Description: 1993 SOA Meeting, Quebec. This session is about life company solvency. The speakers discussed whether they believe the industry has stabilized and gave us their perceptions on what the future holds and what companies can do to remain solvent. Topics included: 1. A quick solvency review. 2. Summary of the Duff & Phelps rating process. 3. The key issue facing the life insurance industry today - real estate. 4. How a rating agency views and uses RBC. 5. How to use ratings or, basically, what ratings are and what they aren't. 6. The future of the life, health, and annuity industry with respect to solvency. 7. The capital markets generally and their view of the life sector specifically.