Christian DesRochers

  • Broken down to its simplest basis, Universal Life has eliminated the concept of "plan of insurance"..... 

--  Christian J. DesRochers

1983 - SOA - Universal Life, Society of Actuaries - 24p

  • 1988 - SOA - The Definition of Life Insurance Under Section 7702 of the Internal Revenue Code, by Christian J. DesRochers, Society of Actuaries - 56p
  • 1992 - SOA - Strategic Product Development, Society of Actuaries - 36p
  • 2004 / 2015 - Book - Life Insurance and Modified Endowments Under Internal Revenue Code  - Sections 7702 and 7702A, by Christian J. DesRochers, John T. Adney, Brian King and Craig Springfield.
  • 2013 - SOA - A Tribute to Christian J. DesRochers, By Brian G. King - 3p
    • It is with great sadness that I am writing this editorial column to the readers of Taxing Times.
    • One of the great leaders in the actuarial community and current editor of Taxing Times, Chris DesRochers, passed away unexpectedly on Sept. 18, 2013.
    • I thought it would be appropriate to use the editor’s column for this issue to reflect on Chris’ many contributions over the years to both Taxing Times and the Taxation Section.

  • An approach which seems to be gaining in popularity expresses commissions as a percent of a target or a minimum premium.

--  Christian J. DesRochers

1983 - SOA - Universal Life (RSA83V9N212), Society of Actuaries - 24p

  • MR. DESROCHERS: Certainly the process of insurance involves some pooling, and if we get to the point where we can no longer pool risks, then you have to raise some very fundamental questions as to whether insurance has any applicability at all.
    • If we could tell, for example, exactly when everyone would die, clearly there would be no life insurance industry at all.

1992 - SOA - Strategic Product Development, Society of Actuaries - 36p

  • At an antique show a few years ago my wife Carolyn bought a letter signed by Calvin Coolidge while he was governor of Massachusetts.
  • It now hangs on my Office wall as a fitting reminder of why the life insurance industry exists. It reads:
    • There are certain obligations that every man owes to his family, his business, and his country.
    • He owes it to his family that they shall not be left dependent upon charity.
    • He owes it to his business associates not to allow the business to collapse by the loss of his personal attention.
    • He owes it for his country that the government shall not be deprived of its supporting taxes through the shrinkage of his estate.
    • There is one way in which all men can fulfill each of these duties.
    • That is by life insurance.
    • In this day and generation, it would seem there is no greater blessing to prepare us against the future than life insurance.
    • I believe in it sincerely and feel that no man can fail to take advantage of its proven benefits.

1992 - SOA - Meeting life insurance needs: 1970- 1990, By Christian J. DesRochers, Society of Actuaries - 3p