LTC-Annuities: Two Birds, One Stone
By Craig R. SpringfieldChelsea K. BachrachThe marketplace is showing increasing interest in a hybrid product that consists of long term care insurance and an annuity (LTC-Annuity products).Although this ...
September 01, 2002
SWL Product Design ObjectivesAcacia Life Regent Term blending; cash value; abbreviated payment schedule.John Hancock Life Level Premium Estate ProtectionRiders; broad/favorable underwriting; issue ages.Manufacturers Life (USA) Survivorship Life (TMS97)Term ...
September 01, 2002
Some Riders Will Feel The EffectsOf The New 2001 CSO Table ByOnce the 2001 Commissioners Standard Ordinary Mortality Table is approved for use in a few states, insurance companies will ...
September 01, 2002
Study Finds Employer Health Coverage Is FlatStudy Finds Employer Health Coverage Is FlatByWashington Despite the economic boom between 1997 and 2001, the proportion of working Americans covered by employer-sponsored health insurance ...
September 01, 2002
Tech Is Both An Enemy And An AllyIn The Struggle To Maintain SecurityA recently released study from Atlanta-based LOMA reports that technology is a two-edged sword in the battle to maintain data ...
September 01, 2002
Moodys Sees Drop In Capital AdequacyByU.S. life insurers ended 2001 with less capital even though their official risk-based capital ratios rose.Analysts from Moodys Investors Service, New York, draw that conclusion ...
September 01, 2002
Variable Policy Riders Differs, So Analyze Them Before FilingVariable Policy Riders Differ, So Analyze Them Before FilingJudith A. HasenauerLets face it, the variable product business today is ultra competitive. Insurers constantly search for ...
September 01, 2002
Market Conduct Pilot's Cost Concerns InsurersMarket Conduct Pilots Cost Concerns InsurersByA data collection pilot project that could help regulators target market conduct exams is still raising cost-benefit concerns among insurers.Initial ...