Description: States can make ACA markets more attractive by enforcing compliance. Unlike other state opportunities, it doesn't cost anything. Pennsylvania made the change this year.

Description: Feature article that discusses how insurance and banking business models have continued to grow in complexity over the past 50 years—from simple and local risk exposures to the current environment of complex and global exposures

Description: GDP growth has slowed as numerous headwinds have emerged. This article summarizes a research paper by Mark Alberts and Max Rudolph that addresses reasons why this is so and how risk managers can address using scenarios.

Description: Compares the healthcare system of the US to the universal systems of selected other countries. Relies primarily on information compiled annually by The Commonwealth Fund. Will give the reader an understanding of the difference between universal healthcare, socialized medicine, and single-payer healthcare and how various national systems fall within these categories.

Description: Last March, Dirk returned to Germany after a business trip to Asia, which was cut short due to COVID-19. Ten months later, on the anniversary of Wuhan lockdown and first confirmed case in Japan, Dirk is back in Tokyo.

Description: Professionalism did not start with COVID-19, but it has brought many new situations to our attention.Professionalism is more than just adhering to rules and regulations and it is complex. As an actuary, you need toconstruct your own “moral compass” and be prepared to make the tough personal and work-related decisions asthey arise. While difficult decisions may not be a common occurrence during your careers, your moral compass willmake it possible to act with confidence when something needs to be done. Finally, while the actuarial profession hascodes of conduct, it is ultimately your personal conduct that determines your reputation as a professional

Description: Feature article discussing one of the themes of last year’s Living to 100 Symposium; socio-economic differences in mortality.

Description: The article discusses the continued popularity of indexed UL insurance and possible reasons why a company's actual indexed UL earnings may be below their original pricing expectations for the product. The article discusses several key items that may be the source of that underperformance (e.g., hedge ineffectiveness, policyholder behavior) and the need to monitor earnings and perform analyses to better understand those potential sources.

Description: This article provides an overview of the current Artificial Intelligence ("AI")/Machine Learning ("ML") regulatory landscape and governance considerations for insurers deploying AI/ML for their long-term care business.

Description: Importance of non-GAAP operating earnings