As a leading, full service reinsurer, we have developed significant expertise on key issues affecting the life insurance industry. Our actuarial, financial and underwriting experts routinely write informative commentary on topics that are of high interest to our clients, such as those listed below.

Lapse Risk

• Term Life: Understanding Post-Level Experience
• In Times of Low Growth, Preservation is Key
• Lapse Rates: Focus of More Attention
• Lapse Effects on Level Premiums
• Lapse Studies Reveal Behavior Insights
• The Effects of Low Lapse Rates on Level Premium Term Profitability
• Lapse Rates in a Principles-Based World

Mortality Risk

• Non-Traditional Mortality Studies
• Black Swans and Mortality Risk
• Cause of Death Study - Part 1
• Causes of Death Shed Light on Mortality – Part 2
• The Effect of the Contestable Period on Experience Analysis
• The SOA Mortality Model – Putting It to the Test
• Mortality Assumptions: Where Are We Going?
• Observations on Mortality by Band
• Interpreting Preferred Class Mortality
• The Contestable Blip

Term Pricing

• Term Life Pricing and Design: A New Day?
• Preparing for the Low Interest Rate Scenario
• Term Sales during Economic Downturns
• Market Conditions Affect Term Pricing
• AG CCC Causes Rethink on ROP Term
• Online Special Report: Risks in ROP Pricing

Underwriting Technology

• Underwriting Audits: Improving Results and Delivery
• Underwriting Technologies: Focusing on Strategic Business Benefits
• Technology’s Effective Role in Underwriting
• Best Practices for an Underwriting System

Medical Underwriting

• Total Cholesterol as Mortality Predictor
• Risk Selection: Considering New Mortality Markers
• Over-Using Life Expectancy
• Mis-Measures of Mortality
• Assessing Impaired Risks: Methodology Matters
• The ECG as a Requirement at Older Ages
• Hemoglobin A1c and the Elderly
• The Value of New Lab Tests: NTpBNP
• Underwriting Trends for Older Age Applicants Special Report

Principles-based Regulation

• Model Behavior: Managing Your Modeling Risks
• Valuation Manual Holds the Details
• Preparing for Principles-Based Capital