Description: The Society of Actuaries and LIMRA have sponsored a Variable Annuity Guaranteed Living Benefit Utilization Study. This study is an annual update of earlier investigations conducted since 2006.

Description: This study and report have the following primary purposes: 1. Evaluate recent mortality experience relative to standard industry mortality tables, at a broad level. 2. Observe general trends in mortality experience by key policy characteristics. Where possible, provide insights into the industry changes contributing to the observed trends. 3. Provide the underlying data in spreadsheet pivot table format for further investigation by qualified actuaries. Provide data also in a delimited text file and Tableau dashboards for use with other software tools.

Description: The VBT Analysis Subgroup (“Subgroup”) of the Joint Academy Life Experience Committee and SOA Preferred Mortality Oversight Group (“Joint Committee”) recommends the approach documented in this report for determining when there is sufficient change in the emerging actual mortality experience relative to the current VBT to warrant changes to the table.

Description: This overview shows considerations for consumers when reviewing the Life and Annuity Living Benefit Riders study.

Description: The interaction of section 7702 cash value accumulation test [CVAT] and state nonforfeiture laws [SNFL] create a dual limitation on traditional life insurance contratcs. CVAT limiting the maximum permissible cash value and SNFL requiring a minimum cash surrender value. This article examines these dual limitations.

Description: This paper derives exact expressions for the ultimate ruin probability and establishes the effect of correlation on ruin probability using the Wiener-Hopf factorization.

Description: The presenters will provide an overview of the current state of the Group Life product space.

Description: Discusses the current activities of the Life Liquidity Risk Working Group of the NAIC.

Description: Discusses legislation being proposed in various states that would apply to Small Face Amount Policies, SFAPs.

Description: A review of how credit life and disability insurance is used in conjuction with real estate loans.