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: A nationally recognized market research firm recently conducted a consumer survey pertaining to income term life insurance. Income term life insurance offers a death benefit which includes an upfront-specified income stream, commencing upon death of the insured during the term period, to a surviving beneficiary until (a) a predefined date or (b) death of the beneficiary. This article provides an overview of the results of the survey.

Description: Feature article discussing combination products.

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

Description: This is an article about genetics, diagnostic testing and related underwriting of insurance policies.

Description: Highlights of the results of a Milliman survey of the 2004-2009 historical pattern of sales of annuity products with guaranteed living benefits

Description: Author reported on sessions she attended at September 2009 NAIC meeting, including much information on the Valuation Manual.

Description: An examination of the increase in mortality rate for Alzheimer's during the period 2000-2010

Description: The article warns actuaries that using predictive models in the underwriting process has a strong potential of inadvertently using variables that are prohibited by law.