Description: This article provides insight on how the worksite LTC market has evolved, and how new concepts like "Financial Wellness" are serving as a catalyst to engage employees in LTC Planning during their working years.

Description: Retirees and their advisors should construct diversified portfolios of retirement income, allocating among various retirement income classes that include Social Security, annuities, and systematic withdrawals from invested assets. This essay discusses the pros and cons of various retirement income generators and the issues with constructing retirement income portfolios.

Description: The 1990s saw the rise of many types of variable investment products within the life insurance industry. It was only natural that hedging strategies and products would emerge in response to the inherent risk of loss of value in variable life and annuity products. This article explains a 21st-century twist on the concept for annuities, the Enhanced Earnings Death Benefit EEDB Rider.

Description: The Congressional Budget Office reports that out-of-pocket expenses accounted for 19 percent of the total long-term care LTC expenses in the United States in 2006, and private LTC insurance accounted for only 8 percent of these expenses, which shows that Americans are underinsured for LTC expenses. While it is true that public programs like Medicaid and Medicare cover much of the nation’s LTC expenses 68 percent of the total LTC expenses in the United States in 2006, eligibility for these programs comes at a great cost to the individual.

Description: Full issue

Description: The Life Insurance industry is undergoing significant change and the Product Development Section provides our members with tools to help navigate this change.

Description: Structured-note annuities provide a retirement solution for the masses while allowing effective hedging and balance sheet usage for the insurance complex.

Description: Book review of Getting Things Done: The Art of Stress-Free Productivity, by David Allen.

Description: The purpose of this paper is to outline the development of a critical illness rider to be launched on a guaranteed level term product. The paper addresses the following topics: market needs analysis, design considerations, benefit design, pricing assumption, and development of pricing model and pricing results, including sensitivity testing.

Description: An “eligible combined plan”allows the promise, funding and delivery of both pension benefits funded by the employer and salary deferrals funded by the employees