Description: Mortality improvement for the U.S. general population has stagnated in recent years and then further deteriorated with the COVID-19 pandemic. However, mortality improvement by socioeconomic factors such as education and income has varied widely during this time period. Explore with us cause-of-death mortality rate trends as well as overall mortality improvement trends by different socioeconomic factors. Join a discussion on approaches that companies can take to proxy the insured population by applying socioeconomic factors to the general population with the goal of better understanding future mortality trends for the insured population.

Description: Hear diverse perspectives from both a reinsurer and carrier on how to best structure financial reinsurance transactions. Join us as we consider various ceding company objectives as well as impacts from the dynamic economic and regulatory environment. By attending this session, you will be able to: - Better understand common reinsurance transactions - Evaluate whether reinsurance transactions can help you meet your company's objectives and challenges - Gain an appreciation for the ever-changing economic and regulatory environment

Description: There is a clear consumer need for long-term care (LTC) coverage. Combo life/LTC products sought to meet that need when stand-alone LTC coverages became more difficult and more expensive to get. Combo life/LTC are built to be more sustainable, allowing for more alignment of interests between the policyholder and insurer. However, combo life/LTC are typically on a universa life (UL) chassis with extensive secondary guarantees, and several were withdrawn from the market in the recent past because of very low interest rates. A couple of carriers have used the variable UL chassis which are still in market. Interest rates have also risen dramatically. The opportunity may be present for innovation in this area that leads to sustainable products. Join the conversation as experts in this area discuss the strengths, weaknesses, opportunities and threats in developing and marketing these products.

Description: At the conclusion of the first part, attendees will be able to describe sources of reserve redundancy for products under Principle Based Reserve (PBR) and products under Commissioners' Annuity Reserve Valuation Method (CARVM). Such products include Term Life, Whole Life, Universal Life, and Fixed Annuity with and without rider. We will also review sources of capital redundancy from the C-1 factor under Risk-Based Capital (RBC) and assets such as Unrated Asset Credit Fund can have high C-1 factor even if its risks are limited. At the conclusion of the second part, the attendees will learn about potential Reserve Relief reinsurance solutions. Such solutions can provide Reserve Relief for annuity and term life businesses, as well as potential innovative asset-side solutions. Asset managers can structure assets that the C-1 factor aligned with the corresponding risk.

Description: A panel of leading reinsurance executives provide perspective on topics to include cell and gene therapy, structured reinsurance, reinsurance demand for value based care arrangements, and how reinsurers view a variety of risk transfer opportunities.

Description: Experts from both the direct and reinsurance side of the table will provide an overview of final expense products and their key features, as well as share experiences that have informed best practices when designing, selling, managing, monitoring and reinsuring these products. Trends in distribution, underwriting tools and other competitive factors will be considered through the lens of managing risk while remaining competitive in the market.

Description: This session will summarize the key National Association of Insurance Commissioners (NAIC) activities with a primary focus on updates to principle-based reserve valuations and appointed actuary topics. Hear insights into the current set of activities and initiatives being considered and/or adopted by the NAIC Life Actuarial Task Force (LATF) and the NAIC Risk Based Capital Working Group.

Description: A panel of leading reinsurance executives will provide an overview of the health reinsurance market that explores existing reinsurance transactions reported under Schedule S, large claim research drawing insight from the latest five-year Merative Commercial MarketScan Research Database, stop-loss reinsurance options for Accountable Care Organizations (ACOs), and other reinsurance applications being seen in the market.

Description: This session will uncover the mystical findings that can be uncovered when leveraging a reinsurer. Insights discussed during this session include mortality at high face amounts, interactions between lapses and mortality, mortality improvement on low face amounts, fully underwritten mortality by Resident State and more. At the conclusion of this session, attendees will be able to identify where reinsurer data can help uncover insights, how mortality and lapse knowledge can improve product performance and what some mortality results can come from reinsurance research.

Description: Given the rise in interest rates during 2023, the session will discuss the implication of increasing rates on FA and FIA business by looking at industry experience for FA and FIA products for 2023 and earlier years. Additionally, the session will walk through partial withdrawals, GLWB utilization, mortality and what to expect as interest rates volatile continues. The session will also discuss how direct writers and reinsurers are handing the inforce management aspects of these products in the uncertain and volatile economic periods.