1990s – SOA – Society of Actuaries

1990s - SOA - Society of Actuaries

Illustrations, Assumptions, Non-guaranteed Elements
Actuaries - Judy Faucett, Daphne Bartlett, Donna Claire,
GOV - Metzenbaum

1990 - SOA - Adequacy of Pricing Considerations, rsa90v16n4A12 - Society of Actuaries - 18p
1990 - SOA - An Opportunity to Return to the Basics. -- Will We Take It?, rsa90v16n21 - Society of Actuaries - 14p
1990 - SOA - Asset-Backed Securities (ABS), rsa90v16n212 - Society of Actuaries - 38p
1990 - SOA - Banks: Successful Entry Into The Insurance Industry On A Worldwide Basis, rsa90v16n4a6 - Society of Actuaries - 20p
1990 - SOA - Capital-Raising Issues, rsa90v16n32 - Society of Actuaries - 34p
1990 - SOA - Cash-Flow Projection Methods and Assumptions, rsa90v16n4a20 - Society of Actuaries - 28p
1990 - SOA - Designing a Field Compensation Structure, rsa90v16n29 - Society of Actuaries - 22p
1990 - SOA - Emerging Issues, rsa90v16n37 - Society of Actuaries - 38p
1990 - SOA - Fine-Tuning the Product Development Process, rsa90v16n321 - Society of Actuaries - 22p
1990 - SOA - Focus 2000: Preparing the Actuarial Profession for the Future, rsa90v16n4a24 - Society of Actuaries - 22p
1990 - SOA - Life Product Development Update, rsa90v16n36, Society of Actuaries - 38p
- 1989 - Life Product Market Share - By Premium-Pie Chart, p2 - 1p
- 1989 - Life Product Market Share - By Face Amount-Pie Chart, p4 - 1p
- 1980-1989 - Universal Life Sales - Percent of Total Premium - Bar Chart, p18 - 1p
1990 - SOA - Life Product Development Update, rsa90v16n4b6, Society of Actuaries - 20p
1990 - SOA - Quality of Life Insurance Sales Illustrations, rsa90v16n324 - Society of Actuaries - 16p
- Tony Spano, ACLI: I'm going to discuss what Norm referred to as consumer disclosure forms.
- ⇒ [Bonk: Policy Information for Applicant - Universal Life Policy - NAIC --- [BonkNote]
  - 1993 - NAIC - Policy Information for Applicant - Universal Life - Life Insurance Disclosure Model Regulation - Appendix D - 3p
    - 1993 0525 - GOV (Senate) - When Will Policyholders Be Given The Truth About Life Insurance?, Howard Metzenbaum (D-OH) --- [BonkNote]
  - 1990-1A NAIC Proceedings - NAIC LIMRA - Universal Life Disclosure Form Test Market Results - 10p
1990- SOA - Rating Agencies And Asset/Liability Matching, rsa90v16n4b17 - Society of Actuaries - 18p
1990 - SOA - Responding to the Marketplace of the 1990s, rsa90v16n31 - Society of Actuaries - 18p
- Walter H. Zultowski, Ph.D. is Senior Vice President, Research Operations, for LIMRA International
1990 - SOA - Some Simple Models of the Investment Risk in Individual Life Insurance, B. John Manistre, arch90v27 - Society of Actuaries - 78p
1990 - SOA - Standard Valuation Law, rsa90v16n217, Society of Actuaries - 20p
- Frank S. Irish: Next most important, in my opinion, is the Valuation Actuary Handbook, which was published in 1987. It is an attempt to organize the available material to organize the available material, including chapters on how to do cash-flow testing, on modeling, and on the legal and organizational implications of the valuation actuary concept.
1990 - SOA - Surplus Management, rsa90v16n25 - Society of Actuaries - 28p
1990 - SOA - Tax Cash-Flow Projections, rsa90v16n221 - Society of Actuaries - 22p
1990 06 - SOA - The Actuary Magazine, act-1990-vol24-iss07-rappaport - Society of Actuaries - 5p

1991 - SOA - Address of the President, Daphne D. Bartlett, tsa91v433 - Society of Actuaries - 6p
1991 - SOA - Accelerated Benefits, rsa91v17n215 - Society of Actuaries - 18p
1991 - SOA - Actuarial Standards, rsa91v17n22 - Society of Actuaries - 22p
1991 - SOA - Annuity Product Development Update, Moderator: Philip Polkinghorn, rsa91v17n218 - Society of Actuaries - 22p
1991 - SOA - Disclosure Systems: Can an Ideal Method be Found?, rsa91v17n25 - Society of Actuaries - 22p
1991 - SOA - Expense Strategy and Pricing Considerations, rsa91v17n13 - Society of Actuaries - 18p
1991-1992 - SOA - Final Report* of the Task Force for Research on Life Insurance Sales Illustrations: Under the Auspices of the Commitee for Research on Social Concerns - Judy Faucett (Chairperson), tsr917 - Society of Actuaries --- [BonkNote] --- 142p
- Appendix II - Illustration Examples
- *Opinions expressed herein are those of the Task Force for Research on Life Insurance Sales illustrations and of the Committee for Research on Social Concerns. This report does not purport to represent the views of the Society of Actuaries or of its Board of Governors.
- Benjamin J. Bock, Bruce E. Booker, John W. Keller, John R. Skar, Linden N. Cole
1991 - SOA - Illustrations, rsa91v17n4a18 - Society of Actuaries --- [BonkNote] --- 20p
1991 - SOA - Individual Life Product Development Update, rsa91v17n214 - Society of Actuaries - 34p
- Tillinghast Universal Life Analytic Study Data (TULAS) - <WishList>
1991 - SOA - Major Issues Facing the Economy, The Insurance Industry and Actuaries in the Years Ahead, Moderator Daphne Bartlett, rsa91v17n21 - Society of Actuaries - 12p
1991 - SOA - Mandated Risk-Based Surplus, rsa91v17n4a11 - Society of Actuaries - 28p
1991 04 - SOA - Product, Market, and Distribution Strategies, by Judy A. Faucett, The Actuary, act9105 - Society of Actuaries - 16p
- Chairperson of the SOA Task Force for Research on life Insurance Sales Illustrations, is Partner at Coopers and Lybrand.
1991 - SOA - Product Update - Individual Life, rsa91v17n4B14 - Society of Actuaries - 18p
1991 - SOA - Reinsurance in the News, rsa91v17n26 - Society of Actuaries - 20p
1991 - SOA - V. Report of Combination of Risks Task Force, tsr9114 - Society of Actuaries - 186p
1991-1992 - SOA - Report Of The Life Insurance Marketing And Research Association, Inc. I. 1988-89 Long-Term Ordinary Lapse Survey In The United States, tsr9119 - Society of Actuaries - 38p
1991 - SOA - Restructuring the Cost of Life Insurance, rsa91v17n4b9 - Society of Actuaries - 18p
1991 - SOA - Selecting an Investment Strategy, rsa91v17n210 - Society of Actuaries - 18p
1991 - SOA - Solvency Issues and the Investment Actuary, rsa91v17n4b10 - Society of Actuaries - 28p
1991 - SOA - Term Insurance Developments, rsa91v17n112 - Society of Actuaries - 28p
1991 - SOA - The Image Crisis and the Actuary: Understanding Pubic Misunderstanding, rsa91v17n4b19 - Society of Actuaries - 32p
1991 - SOA - The Influence of Investments on Product Design, rsa91v17n4a15 - Society of Actuaries - 34p
1991 - SOA - The Ratings Game, rsa91v17n23 - Society of Actuaries - 30p
1991 - SOA - What is a Life Company Worth? rsa91v17n4b12 - Society of Actuaries - 24p

1992 - SOA - A Market-Value Accounting Framework for Insurance Companies, by Mark W. Griffin, The Financial Reporter, no. 15 (March):1-2, 1992, [letter to editor], FR, 5/92, p. 20 - Society of Actuaries
1992 01 - SOA - A Possible Source of Low-cost Liquidity (p3), by Irwin T. Vanderhoof, The Actuary, act9201 - Society of Actuaries - 20p
1992 - SOA - A Practical Guide to Interest Rate Generators for C-3 Risk Analysis, by Sarah L. Christiansen, tsa92v447 - Society of Actuaries - 34p
1992 - SOA - Book Reviews and Notices - Broken Promises: The Inside Story of the Failure of Executive Life, by Vic Modugno - Anthony B. Richter, tsa92v4421 - Society of Actuaries - 16p
- 1992 - Book - Broken Promises: The Inside Story of the Failure of Executive Life, published by Pacific Insurance Press, Torrance, California, by Vic Modugno - <WishList>
1992 - SOA - Companies on the Edge, rsa92v18n4b19 - Society of Actuaries - 20p
1992 - SOA - Federal Versus State Regulation of Reinsurance, rsa92v18n4A9 - Society of Actuaries - 12p
1992 - SOA - Final Answers, act-1992-vol26-iss07-light-side, by Greg DinaIlo. - https://www.soa.org/globalassets/assets/library/newsletters/the-actuary/1990-99/1992/september/act-1992-vol26-iss07-light-side.pdf
1992 - SOA - GICS and Other Insurance Company Products - Are They Still Alive?, rsa92v18n210 - Society of Actuaries - 26p
1992 - SOA - Is there Life After Executive Life? Retirement Plan Participants and the Guarantees of Insurance Companies, rsa92v18v1B17 - Society of Actuaries - 22p
1992 - SOA - Life Insurance Sales Illustrations, rsa92v18n310 - Society of Actuaries - 16p
1992 - SOA - Life Products, rsa92v18n311 - Society of Actuaries - 22p
1992 - SOA - Managing Statutory Performance, rsa92v18n4A14 - Society of Actuaries - 22p
1992 - SOA - Meeting life insurance needs: 1970-1990, By Christian J. DesRochers, act-1992-vol26-iss07-desrochers - Society of Actuaries
1992 - SOA - Principles of Actuarial Science, Committee on Actuarial Principles, tsa92v4418 - Society of Actuaries - 64p
- Nathan F. Jones suggests that actuaries should speak out when the principles of their science appear to have been misapplied.
  - The Committee agrees with Mr. Jones and hopes that the publication of "Principles of Actuarial Science" will help actuaries better articulate their concerns in such situations.
1992 - SOA - Repricing the In-Force Book of Business, rsa92v18n4B1 - Society of Actuaries - 16p
1992 - SOA - Strategic Product Development, rsa92v18n33 - Society of Actuaries - 36p

1993 - SOA - A Market Value Balance Sheet: Why and How, by M. C. Modisett, arch93v126 - Society of Actuaries - 14p
1993 07 - SOA - ASB Mulls New Standards, July1993-AU - The Actuarial Update, by Gary Corbett, ASB Vide Chairman - 8p
1993 - SOA - ASB Standard on Selection of Economic Assumptions, rsa93v19n1b16 - Society of Actuaries - 18p
1993 - SOA - Impact of Low Interest Rate, rsa93v19n32 - Society of Actuaries - 32p
1993 - SOA - Life Company Solvency -- Has The Industry Stabilized?, rsa93v19n222 - Society of Actuaries - 18p
1993 01 - SOA - NAIC Approves Risk-Based Capital Model Law for Life & Health Insurers, Actuarial Update - %201993%20Actuarial%20Update - Society of Actuaries - 8p
1993 - SOA - Product Design / Pricing with Bonus Features, rsa93v19n4a14 - Society of Actuaries - 22p
1993 - SOA - Rehabilitation Fallout, rsa93v19n4B13 - Society of Actuaries - 20p
1993 - SOA - Reinsurance and Rating Agencies, rsa93v19n4a7 - Society of Actuaries - 22p
1993 - SOA - Sales Illustrations - We Can't Life With Them, But We Can't Live Without Them!, rsa93v19n22 - Society of Actuaries --- [BonkNote] --- 20p
1993 - SOA - Speeding Up Universal Life Calculations in BASIC, by Dennis Radliff, arch93v312 - Society of Actuaries - 12p
1993 - SOA - The Dilemma for Mutual Companies, rsa93v19n216 - Society of Actuaries - 18p
1993 - SOA - The Potential Role of Dynamic Solvency Testing in Preventing Insolvencies of Insurance Companies: A Historical Perspective, by Robert S. Fillingham, tsr939 - Society of Actuaries - 30p
1993 - SOA - Variable Products -- Product for the 1990s?, rsa93v19n27 - Society of Actuaries - 22p

1994 - SOA - Asset / Liability Management (ALM): An International Perspective, rsa94v20n121 - Society of Actuaries - 18p
1994 - SOA - Credit Risk Study, rsa94v20n113 - Society of Actuaries - 20p
1994 05 - SOA - Factuaries: Douglas Doll, The Actuary, act-1994-vol28-iss05-factuary - Society of Actuaries - 2p
1994 - SOA - Forum on Dynamic Solvency, rsa94v20n224 - Society of Actuaries - 20p
1994 - SOA - Long-Term Minimum Interest Rate Guarantees, rsa94v20n213 - Society of Actuaries - 18p
1994 - SOA - Problems and Solutions for Product Illustrations, rsa94v20n229 - Society of Actuaries - 28p
1994 - SOA - The Driving Forces Behind Participating - Universal Life (UL) - Nonguaranteed Element Product Development, rsa94v20n212 - Society of Actuaries - 12p
1994 - SOA - What's New with Term Insurance?, rsa94v20n21 - Society of Actuaries - 20p

1995 - SOA - Address of the President, Sam Gutterman - The Redesign of the Actuary, tsr952 - Society of Actuaries - 8p
1995 - SOA - 1993-94 United States Lapses by Duration and Product Line: Long-Term Ordinary Lapse Survey, TSR9514 - Society of Actuaries - 26p
1995 12 - SOA - 1994-1995 Year in Review, The Actuary, act-1995-vol29-iss10-year-review - Society of Actuaries - 6p
1995 - SOA - Actuarial Standards Board (ASB): Current Hot Topics, rsa95v21n4a32 - Society of Actuaries - 18p
1995 06 - SOA - Actuaries in regulation influencing the future of industry, by Dwight K. Bartlett, III, The Actuary, act-1995-vol29-iss06-bartlett - Society of Actuaries - 3p
1995 - SOA - IV. Annuity Persistency Study, tsr9517 - Society of Actuaries - 80p
1995 - SOA - Asset/Liability Issues of Synthetic GICs , rsa95v21n4a16 - Society of Actuaries - 22p
1995 - SOA - Cash Value Life Insurance for the Twenty-First Century: Segregated Life and the Individual Death Benefit Account, tsa95v4713 - Society of Actuaries - 50p
1995 - SOA - Current Developments Surrounding Regulations and Standards of Life and Annuity Products, rsa95v21n28 - Society of Actuaries - 18p
1995 - SOA - Failed Contracts Under International Revenue Code (IRC) Section 7702, rsa95v21n4b19 - Society of Actuaries - 20p
1995 - SOA - Illustrations and Nonforfeiture Values, rsa95v21n123 - Society of Actuaries - 14p
1995 - SOA - Insurance Illustrations: A Possible Solution, by Lloyd Foster, The Actuary, act-1995-vol29-iss01-foster - Society of Actuaries - 2p
1995 - SOA - Innovation in Savings Product Design, rsa95v21n217 - Society of Actuaries - 18p
1995 - SOA - International Consolidation of the Life Insurance Industry, rsa95v21n4b15 - Society of Actuaries - 20p
1995 - SOA - Late-Breaking Developments, rsa95v21n4b13 - [Pacific Life] - Society of Actuaries - 18p
1995 - SOA - Liquidity: The Hidden Risk Factor, rsa95v21n219 - Society of Actuaries - 20p
1995 - SOA - NAIC Model Investment Law, rsa95v21n29 - Society of Actuaries - 20p
1995 - SOA - Nonforfeiture Laws Update, rsa95v21n4a20 - Society of Actuaries - 18p
1995 - SOA - Operations in Research in Insurance: A Review, by Patrick L. Brockett and Xiaohua Xia, tsa95v475 - Society of Actuaries - 82p
1995 - SOA - Practical Illustrations and Nonforfeiture Values, rsa95v21n123 - Society of Actuaries - 14p
1995 - SOA - Reengineering Actuarial Functions, rsa95v21n212 - Society of Actuaries - 26p
1995 - SOA - Reinsurers and Producers: What Can We Learn from Each Other?, rsa95v21n4a24 - Society of Actuaries - 12p
1995 - SOA - Sales Illustrations, rsa95v21n4a18 - Society of Actuaries - 14p
1995 - SOA - Sessions With No Written Record, rsa95v21n4b33 - Society of Actuaries - 6p
1995 - SOA - Survival Strategies for Mutuals, rsa95v21n127 - Society of Actuaries - 14p
1995 - SOA - Synthetic Guaranteed Investment Contracts (GICs): An Overview, rsa95v21n4a2 - Society of Actuaries - 22p
1995 - SOA - Technology News Flash, rsa95v21n3a15 - Society of Actuaries - 18p
1995 - SOA - Term Insurance: New York Regulation 147 and the NAIC'S XXX, rsa95v21n4a8 - Society of Actuaries - 14p
1995 - SOA - The "Pension Max" Election: An Investigation of the Structural and Economic Differences between the 100% Contingent Annuity Pension Benefit Option and the Straight Life Benefit Option., tsa95v4716 - Society of Actuaries - 66p
1995 - SOA - The Rating Games, rsa95v21n3b20 - Society of Actuaries - 26p
1995 - SOA - What Can We Learn From Company Failures?, rsa95v21n4a25 - Society of Actuaries - 14p

1996 - SOA - Accounting for Reinsurance Agreements, rsa96v22n3122ts - Society of Actuaries - 22p
1996 - SOA - Actuaries In and Around Litigation, rsa96v22n364pd - Society of Actuaries - 30p
1996 - SOA - An Alternative to Assumption Reinsurance, rsa96v22n324pd - Society of Actuaries - 27p
1996 - SOA - Anderson Memorial Fund established to Support actuarial research work, act-1996-vol30-iss01-heacox-b - Society of Actuaries - 2p
1996 - SOA - A New Look at U.S. Nonforfeiture Regulation, rsa96v22n151of - Society of Actuaries - 16p
1996 - SOA - Asset-Backed Securities, rsa96v22n164ts - Society of Actuaries - 25p
1996 - SOA - Competitors to the Life Insurance Industry, rsa96v22n186if - Society of Actuaries - 26p
1996 - SOA - Current Developments Surrounding Regulations and Standards of Life and Annuity Products, rsa95v21n28 - Society of Actuaries - 18p
1996 - SOA - Dynamic Financial Condition Analysis Handbook Task Force, rsa96v22n3146if - Society of Actuaries - 21p
1996 - SOA - Implementing the Illustration Regulation: The Clock Is Ticking, rsa96v22n3135pd - Society of Actuaries - 25p
1996 - SOA - Investment Under the Risk-Based Capital (RBC) and Rating Agencies Requirements, rsa96v22n125i - Society of Actuaries - 16p
1996 - SOA - Legal Issues Affecting Nontraditional Products, rsa96v22n387pd - Society of Actuaries - 14p
1996 - SOA - library reminds members of services, fees, The Actuary, act9610 - Society of Actuaries - 20p-page 16
1996 - SOA - Life Insurance Sales Illustrations-What's Next?, rsa96v22n187d - Society of Actuaries - 22p
1996 - SOA - National Association of Insurance Commissioners (NAIC) Recent Developments, rsa96v22n345sm - Society of Actuaries - 14p
1996 - SOA - Nonforfeiture Law Developments, rsa96v22n38pd - Society of Actuaries - 23p
1996 - SOA - Professional Standards Affecting Life Actuaries, rsa96v22n3121pd - Society of Actuaries - 18p
1996 05 - SOA - State Variations and Their Impacts on Valuation, rsa96v22n183pd - Society of Actuaries - 28p
1996 06 - SOA - State Variations and Their Impacts on Valuation, rsa96v22n2126pd - Society of Actuaries - 6p
1996 - SOA - The Actuarial Black Box, by Sam Gutterman, The Actuary, act-1996-vol30-iss01-gutterman-b - Society of Actuaries - 2p
1996 - SOA - The Impact of Technology on the Distribution of Insurance and Financial Services, rsa96v22n136pd - Society of Actuaries - 11p
1996 - SOA - Technology and the Small-Company Actuary, rsa96v22n15pd - Society of Actuaries - 20p
1996 - SOA - Update on Life Insurance Illustrations, rsa96v22n327pd - Society of Actuaries - 24p

1997 - SOA - 1986-92 Credit Risk Loss Experience Study: Private Placement Bonds, tsr975 - Society of Actuaries - 104p
1997 - SOA - A Comparison of Canadian and U.S. Reserving Methods and Their Financial Implications, rsa97v23n28of - Society of Actuaries - 30p
1997 - SOA - "Actuarial Counseling" - A New Role for the Actuarial Profession, rsa97v23n365pd - Society of Actuaries - 21p
1997 - SOA - Actuarial Modeling, rsa97v23n378pd - Society of Actuaries - 18p
1997 - SOA - Anatomy of an Earned-Interest Rate, rsa97v23n24pd - Society of Actuaries - 22p
1997 - SOA - Bank Alliance Niche for Insurers, rsa97v23n379pd - Society of Actuaries - 22p
1997 - SOA - Dynamic Financial Condition Analysis Update, rsa97v23n3120if - Society of Actuaries - 21p
1997 - SOA - Equity-Indexed Insurance Products - Pricing, Investment, Accounting, and Reserving, rsa97v23n399pd - Society of Actuaries - 21p
1997 - SOA - Keeping Current on Fixed Annuities, rsa97v23n255pd - Society of Actuaries - 21p
1997 - SOA - Own the Problem: That's Where to Start, says Actuary Turned Exec - [Stanley Tulin], act-1997-vol31-iss08-bitowt - Society of Actuaries - 3p
1997 - SOA - Securitization of Insurance Company Assets and Liabilities, rsa97v23n374pd - Society of Actuaries - 25p
1997 - SOA - Selling Life Insurance Over the Internet, rsa97v23n3103i - Society of Actuaries - 21p
1997 - SOA - Social Security and Medicare-What Does the Future Hold?, rsa97v23n1114pd - Society of Actuaries - 23p
1997 - SOA - Term Insurance Reserving, rsa97v23n35pd - Society of Actuaries - 24p
1997 - SOA - The Role of Banks in Insurance Markets, rsa97v23n271pd - Society of Actuaries - 25p
1997 - SOA - Universal and Variable Insurance Products, Professional Actuarial Specialty Guide, spg9707uvip - Society of Actuaries - 6p
1997 - SOA - Vanishing Premium Illustrations Revisited, by Arnold F. Shapiro, arch97v121 - Society of Actuaries - 10p
1997 - SOA - Variable Products-Pricing Issues, rsa97v23n311pd - Society of Actuaries - 19p

1998 01 - SOA - Actuarial Futures - Actuarial Assumptions and the Future, by W. Harold Phillips [Hal], Senior Life Actuary at the California Department of Insurance, fsn-1998-iss18-phillips - Society of Actuaries - 4p
1998 - SOA - An Actuary Reads the Newspaper: What's Between the Lines?, rsa98v24n3153pd - Society of Actuaries - 24p
1998 - SOA - ARIA Promotes Interaction of Academics, Industry, act-1988-vol22-iss08-huntington, Society of Actuaries - 3p
1998 06 - SOA - Breakthrough ideas: Stint in WWII operations research unit was just the beginning, by Jacqueline Bitowt, act-1998-vol32-iss06-bitowt - Society of Actuaries - 2p
1998 - SOA - Corporate Governance of Investments: Avoiding the Next Class-Action Suit, rsa98v24n374pd - Society of Actuaries - 20p
1998 - SOA - Credit Enhancement of Guaranteed Investment Contracts and Funding Agreements, rsa98v24n3115pd - Society of Actuaries - 14p
1998 - SOA - Current Issues in Sales Illustrations, rsa98v24n133of - Society of Actuaries - 26p
1998 - SOA - Generally Recognized Expense Table For 1998 Illustrations. Society of Actuaries Committee on Life Insurance Research. Report To The NAIC Life Disclosure Working Group, tsr973 - Society of Actuaries - 8p
1998 - SOA - Insurance Compensation Trends and Outlook, rsa98v24n131if.pdf - Society of Actuaries - 27p
1998 - SOA - Introduction To Value-At-Risk, Society of Actuaries - 26p
1998 06 - SOA - Israel's Life Insurance Industry, by Akiva Zohar, isn-1998-iss16-zohar - Society of Actuaries - 7p
1998 - SOA - Market Conduct: A New Actuarial Frontier, rsa98v24n312of - Society of Actuaries - 20p
1998 - SOA - Market Conduct Issues for Product Development Actuaries, rsa98v24n118pd - Society of Actuaries - 27p
- Summary: Market conduct issues are perhaps one of the most serious facing the life insurance industry today. How did we get to this point? And more importantly, what actions are companies taking to address these issues?
1998 - SOA - Mortality and Lapse Rates, rsa98v24n331pd - Society of Actuaries - 22p
1998 03 - SOA - New Standard Nonforfeiture Law: Unsafe at Any Speed?, by Douglas C. Doll (p1), pdn9803 - Society of Actuaries - 15p
1998 - SOA - Once in a Hundred Years, rsa98v24n393pd - Society of Actuaries - 22p
1998 - SOA - Organizations That Impact The Financial Reporting World of Life Insurance Actuaries, rsa98v24n346sm - Society of Actuaries - 18p
1998 - SOA - Profiting from Financial Turmoil in Asian Insurance Markets, rsa98v24n257pd - Society of Actuaries - 22p
1998 - SOA - Structuring of Foreign Insurance Entities in Latin America, rsa98v24n194pd - Society of Actuaries - 25p
1998 - SOA - Subjective Value at Risk, by Glyn Holton, rrn9810 - Society of Actuaries - 32p
1998 - SOA - Synthetic GIC and Guaranteed Separate Account Model Regulations, by Victor Modugno (p1), rrn9810 - Society of Actuaries - 32p
1998 - SOA - Up-to-the-Minute News Flash on Regulatory Developments, rsa98v24n16pd - Society of Actuaries - 18p

1999 - SOA / VASP - 1999 Valuation Actuary Symposium, va99-44of, Edward L. Robbins, Society of Actuaries - 28p
1999 - SOA - A Brief History of Universal Life, by Douglas C. Doll, m-as99-3-06 - Society of Actuaries - 4p
1999 - SOA - An Expanded Financial Structure for Ordinary Dividends, by Donald D. Cody, m-as99-1_iii - Society of Actuaries - 28p
1999 - SOA - 'Biggest by a mile' Megamergers' 1998 peaks signal trends for actuaries (p1), act9902 - Society of Actuaries - 15p
1999 - SOA - CEO Perspective: The Future of Financial Services, rsa99v25n330pd - Society of Actuaries - 19p
1999 - SOA - Give Me Some Credit! The 50-Year History of Credit Regulation, rsa99v25n3103pd - Society of Actuaries - 21p
1999 - SOA - Impact of Regulatory Uncertainty on Product Innovation, rsa99v25n163pd - Society of Actuaries - 19p
1999 - SOA - Industry Convergence-Bank Participation, rsa99v25n382pd - Society of Actuaries - 18p
1999 - SOA - Insurance Company Failures of the Early 1990s - Have We Learned Anything?, rsa99v25n161pd - Society of Actuaries - 25p
- Summary: The early 1990s saw the failure of three major life insurance companies in North America - Executive Life, Mutual Benefit, and Confederation Life.
- The panel looks back at the settlements of these insolvencies and how different policyholders fared.
- Changes in the insurance industry, credit analysis, and marketplace resulting from these failures are discussed. The panel also represents the changes in regulation designed to prevent or lessen the impact of future insolvencies and tries to assess the likelihood of a major failure in the future.
1999 - SOA - Jim Anderson's Predictions, rsa99v25n3124pd - Society of Actuaries - 18p
1999 - SOA - Macro Pricing: A Comprehensive Product Development Process, by Shane Chalke, Society of Actuaries - 52p
1999 - SOA - Mortality Rates as a Function of Lapse Rates, arch99v18 - Society of Actuaries - 16p
1999 - SOA - Small Companies & Federal vs. State Regulation, stn-1999-iss14-hill - Society of Actuaries - 3p
1999 - SOA - The Future of Life Insurance Products: Lessons from the Past, by Christian DesRochers, stn-1999-iss14-desrochers - Society of Actuaries - 3p
1999 - SOA - The Next Generation Universal Life, rsa99v25n127pd - Society of Actuaries - 30p
1999 - SOA - The Role of the Actuary in Litigation Support, rsa99v25n191cs - Society of Actuaries - 16p
1999 10 - SOA - Un-MECing a MEC, by Arthur C. Schneider & Cherri R. Divin, frn-1999-iss40-divinschneider - 4p

1995 - SOA - Current Developments Surrounding Regulations and Standards of Life and Annuity Products, Society of Actuaries - 18p
- James D. ATKINS: I'd like to start out by posing a question and that is, what is the impetus behind introducing this illustration regulation? Why are we doing this?
- Robert WILCOX (NAIC - Chairman of the Life Disclosure Working Group - Utah Insurance Commissioner): Whatever we did to illustrate those contracts when they were sold, the policyholders did not understand the contingent nature of that vanish. That's the underlying reason we got into this.
- MR. ATKINS: You mean just because they didn't understand the vanishing premium illustration we have all this regulation being imposed?
- MR. WILCOX: If you try to get down to the catalyst that made it turn the comer, that's probably true.

- Walter MILLER: Perhaps that was the catalyst, but I have a somewhat different point of view as to what triggered all this.
  - In addition to the widely publicized sets of problems that had to do with the vanishing premium illustrations, much of that had to do not so much with the illustration, but how the illustration was explained, if at all. I mean that's a somewhat different animal.
  - There are many industry people, however, who feel that for better or worse, there is a perception among many regulators that too many companies are being too aggressive in the bases underlying their illustrations and we need to do something about that.
    - I think there are several new model regulations that your group is developing and there's obviously some proposed actuarial standard of practice that addressed this point.
- MR. WILCOX: I think you're right, Walter, in a significant respect.
  - The fact is that a minority would be inclined to make those overly aggressive assumptions and produce unsupportable illustrations, but every time one company would take that stand and use assumptions for the illustration that don't make sense, there's another company that competes with them and feels compelled to play in the same ball park and then another company that competes with them.
  - In the absence of regulation on those who would be most aggressive, the problem grows, but your point is well taken.
- MR. ATKINS: Does anybody think the market could take care of these excesses on its own?
- MR. MILLER: It demonstratively hasn't.
  - I published an article in a CLU journal several years ago where I wrote about what I call "The Illustration Is The Product," a syndrome that unfortunately pervades our industry. To agents, potential customers, their advisors, and some regulators, the illustration is the product. If this illustration looks better than that illustration, then this policy is a better policy than that policy and that means this company is better than that company.

1995 - SOA - Practical Illustrations and Nonforfeiture Values, Society of Actuaries - 14p
- KEVIN A. MARTI: What I'm thinking about in particular is, Universal Life companies, back in the early 1980s, were illustrating interest rates that we all knew were not realistic long term.

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