Description: In this mortgage crisis, it appears mortgage brokers and mortgage originating bankers were similar to unchecked MGAs. These brokers and banks had an incentive to produce mortgages that would generate fees for them. Those mortgagees would then be sold to investors, generating additional fees – but it appears there were often no incentives to align the interests of those mortgage producers with the purchasers of these mortgages. The brokers and banks “did not have any skin in the game.”

Description: Crises are devastating. They leave behind a high amount of entropy unemployment, poverty, lack of safety. But this is half the truth. The other half says that crises are to some extend good, because they provide a natural crash test to discover current practices’ risks and limitations, and in response, give rise to more efficient regulation, to financial innovations and to the wakening of the vitalizing powers of society, as the old and corrupted die and new ideas emerge and give us the opportunity to reflect upon the future we want to have.

Description: E-book on Response to Life Insurance 2020 Foresight – A Call for Essays e-Book. This e-book focuses on the vision for the future of the life insurance sector and contains the introduction and essays.

Description: The Society of Actuaries Research Institute’s Aging and Retirement Strategic Research Program is pleased to release a collection of essays addressing the impact of inflation on retirement and retirement-related issues.

Description: A collection of essays in response to a call for essays aimed to gather perspectives, opinions and data on how to advance the state of effective retirement planning tools, products, and strategies to assist individuals, financial advisors, employers, and other stakeholders.

Description: This is one of eight essays from the collection: 2020 Living to 100 Essays.

Description: This is one of eight essays from the collection: 2020 Living to 100 Essays.

Description: The Society of Actuaries’ (SOA) Aging and Retirement Strategic Research Program in collaboration with the International Association of Black Actuaries (IABA) and the Organization of Latino Actuaries (OLA) are pleased to publish this essay collection on Aging and Retirement Issues in People of Different Races and Ethnicities. This effort explores how differences in wealth and retirement outcomes are experienced by people of different races and ethnicities and promotes a better understanding of the underlying issues surrounding the differences.

Description: This is a collection of essays from the Society of Actuaries Research Institute, focusing on the potential impact of AI on human longevity and its consequences for modeling future survival/mortality. It includes various essays discussing AI's role in mortality modeling, life expectancy, and implications for actuarial methods.

Description: The Society of Actuaries’ Aging and Retirement Strategic Research Program is pleased to release a collection of essays in response to a call for essays exploring ideas and thoughts on working in retirement and phased retirement programs.