Description: A recap of the SOA Research Institute's participation in the Spring 2024 NAIC National Meeting.

Description: In this article, we discuss the future of wearable technology in life insurance. Evidence from recent research shows that low levels of physical activity, as measured by steps per day indicate much higher mortality risk while higher levels of activity correspond with lower risk. The article shares insights of how insurers can use wearables to innovate by improving the customer journey, expanding insurability, engaging customers, promoting healthy lifestyles and improving risk assessment. Lastly, we discuss the challenges and considerations when using new data and technology to ensure success.

Description: The article discusses the continued popularity of indexed UL insurance and possible reasons why a company's actual indexed UL earnings may be below their original pricing expectations for the product. The article discusses several key items that may be the source of that underperformance (e.g., hedge ineffectiveness, policyholder behavior) and the need to monitor earnings and perform analyses to better understand those potential sources.

Description: Discusses Phase 1 survey results from the SOA/RGA post-level term research project.

Description: This is an article summarizing a study about the replacements of individual life insurance policies.

Description: Discussion of a New York Times article dealing with the arbitraging of policy loan proceeds by investing them in money market instruments whose yields were well above the policy loan interest rate.

Description: To understand the relationship between lifestyle behaviors and mortality, RGA investigated a national, health-related, mortality-linked data set provided by the U.S. Centers for Disease Control and Prevention (CDC). RGA Strategic Research Actuary Julianne Callaway discusses the company's findings.

Description: How can actuaries innovate solutions to the challenges posed by policyholder behavior risks?

Description: This article discusses the structure of and the dangers posed by Stranger-Originated Life Insurance STOLI.

Description: Milliman was engaged by the SOA to conduct two Accelerated Underwriting (AU) surveys, one of direct companies and another of reinsurers. The surveys explored actual results from 2019–2021 and expected results from 2022.