Description: Report summarizing the results of the 2015 PBITT UL with Secondary Guarantees Survey.

Description: Report summarizing the results of the 2015 PBITT UL with Secondary Guarantees Survey

Description: A recap of the SOA Research Institute's participation in the Spring 2024 NAIC National Meeting.

Description: In this article, we discuss the future of wearable technology in life insurance. Evidence from recent research shows that low levels of physical activity, as measured by steps per day indicate much higher mortality risk while higher levels of activity correspond with lower risk. The article shares insights of how insurers can use wearables to innovate by improving the customer journey, expanding insurability, engaging customers, promoting healthy lifestyles and improving risk assessment. Lastly, we discuss the challenges and considerations when using new data and technology to ensure success.

Description: Report summarizing the results of the 2011 PBITT UL with Secondary Guarantees Survey

Description: This is a addendum for the research report summarizing results of premium persistency assumptions used by life insurers for flexible premium UL products.

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: Discusses Phase 1 survey results from the SOA/RGA post-level term research project.

Description: Report summarizing the results of the 2018 PBITT UL with Secondary Guarantees Survey

Description: Over the last few years, many direct companies have started inforce management programs and are now navigating what actions can be taken to optimize the business. At the same time, the legal, compliance, and regulatory environments are also changing. The presenters will explore the development and implementation of programs such as changing non-guaranteed elements or efforts to improve experience while considering the changing compliance environment, including New York Regulation 210, ASOP2 and litigation challenges.