Discuss policyholder behaviors that evolve throughout the life cycle of a typical VA annuitant, with supporting data from industry-level experience studies during this interaction session. The following behavior assumptions and their implication under accounting/regulatory requirements will be covered:
- Separate account/fixed account allocation and transfers
- Deposits
- Surrenders
- Withdrawals
- Income utilization
- Mortality
By attending the session, you will:
- Identify policyholder behaviors that would transform at different stages of life cycle.
- Understand key aspects of industry-level policyholder behavior experience.
- Form a dynamic view in the assumption setting.
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