Description: The article was written to address a concern that the author had that reinsurance considerations were being relegated to the back of the product development cycle. He was concerned that reinsurance input on benefit design, underwriting and pricing was not getting into the process. From Small Talk Newsletter, November 2005, Issue No. 25.

Description: Q&A with Neil Sprackling, President, US Life & Health, Swiss Re, on next-generation underwriting.

Description: Recap of the Brazil Insurance Markets in 2008.

Description: ReFocus is an annual global conference for senior-level life insurance and reinsurance executives hosted jointly by ACLI and the Society of Actuaries (SOA). This event features top-notch speakers, thought-provoking sessions, and superior networking opportunities.

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: 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: 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: 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.