Description: These are presentation slides to supplement, Mortality Under Standard Individuality Life Insurance Between 1999–2002 Anniversaries from ARCH, January 2006.

Description: Lessons, tips, and suggestions for properly approaching the first stages of actuarial research.

Description: The Individual Life Experience Committee has completed their latest report on intercompany mortality experience by amount of insurance under standard individually underwritten issues. This study includes policy years 2004-05. This is the Excel Ultimate data pivot tables that provide more detail for policy years 2004-05. Please see the SOA website experience studies for the full report and other realted tables.

Description: This is the fourth Intercompany Study of Long–Term Care Insurance. This report combines and analyzes data received from 24 insurers that agreed to provide information to further the knowledge of long–term care insurance. Those insurers are listed in Appendix A of the report.

Description: Full version of Product Matters! April 2003, Issue No. 55.

Description: The specific aim of the proposed research is to both theoretically and empirically catalog the different ways one could expect consumption in a household after retirement to be different than consumption before retirement. The long term goal of this research is to help better inform best practices for financial planners, professionals and educators in the construction of financially prudent retirement plans. This decomposition can be separated generally into three main paradigms. The first two of these paradigms concern how preferences affect consumption before and during retirement, while the third is concerned with the financial constraints retirement brings.

Description: This article argues that wealth managers should advocate dynamic spending in proportion to survival probabilities, adjusted up for exogenous pension income and down for longevity risk aversion. The authors criticize the rule of thumb of spending a fixed 'x' percent of assets for retirement planning purposes.

Description: The Individual Life Experience Committee has completed their latest report on intercompany mortality experience by amount of insurance under standard individually underwritten issues. This study includes policy years 2004-05. This is the Excel Aggregate data pivot tables that provide more detail for policy years 2004-05. Please see the SOA website experience studies for the full report and other related tables.

Description: Last March, Congress passed and the President signed the Patient Protection and Affordable Care Act followed by the Health Care and Education Reconciliation Act, which amended the former collectively, the “Act”. The article provides a brief background on the passage of the Act generally and the creation of the new Investment Income Tax in particular compares the existing provisions of the HI tax with the newly enacted provisions, and it then analyzes the import of the Investment Income Tax for annuities and, possibly, life insurance contracts. The article concludes with thoughts on the potential effect of the new tax on the annuity marketplace.

Description: Long Term Care Insurance Reserves and Reinsurance Balancing between statutory and GAAP requiements. From Long-Term Care Newsletter, August 2001, Issue No. 5.