Description: This article presents the author's views on how direct writers of term insurance should view and monitor their reinsurance.

Description: This article highlights the interaction between pricing and corporate. There is a move toward principle-based reserving standards in the United States.

Description: Update on the proceedings of the March 2010 NAIC meeting.

Description: A review of product and sales trends for variable, indexed and fixed annuities against the current backdrop of low interest rates and record equity market valuations

Description: Provide high level summary of Indexed Variable Annuities.

Description: Five Insights from the Society of Actuaries Product Development Survey on how to bring products to market.

Description: In actuarial work, we are frequently confronted with problems with more than one apparently reasonable answer. This article deals with one of these, where the Federal DAC cost can be applied in an apparently reasonable, but incorrect, manner.

Description: A paper demonstrating how to obviate the need for market timing strategies in variable annuity products by judicious use of product design. The paper presents the premise behind the product design, provides numerical examples, then explores possible extensions of the concept to produce more sophisticated variable annuity plans based on guarantees of investment outcomes.

Description: This article is a summary of a debate at a Southeastern Actuarial Club meeting that looked at the appropriateness of secondary guarantees in UL products.

Description: Highlights from the 2002 Inter-Company Expense Study of U.S. Individual Life Insurance and Annuities.