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Search: Posts Made By: elleminopee
Forum: Life 04-04-2018, 01:42 PM
Replies: 297
Views: 101,516
Posted By elleminopee
Midlife 'wealth shock' may lead to death, study suggests

https://www.daytondailynews.com/business/midlife-wealth-shock-may-lead-death-study-suggests/ygj9OsH8TyEJ8AHQGsv13H/

https://jamanetwork.com/journals/jama/fullarticle/2677445
Forum: Life 01-25-2018, 08:13 AM
Replies: 73
Views: 16,278
Posted By elleminopee
That assumes you were taking the tax benefit from...

That assumes you were taking the tax benefit from future losses in the model. I know for us, if the model is a "stand alone" model we don't take the tax benefit (negative taxes) for the losses in...
Forum: Life 01-19-2018, 08:55 AM
Replies: 73
Views: 16,278
Posted By elleminopee
Totally agree. If you believe the PV of tax...

Totally agree. If you believe the PV of tax reform is a benefit, you can leave it out this year end with no harm done.
Forum: Life 11-13-2017, 09:30 AM
Replies: 73
Views: 16,278
Posted By elleminopee
Could someone explain this to me? I don't see...

Could someone explain this to me? I don't see how tax reserve rules could result in annuity issuer not having enough cash to pay benefits. As long as Statutory reserving rules remain unchanged,...
Forum: Life 11-10-2017, 10:22 AM
Replies: 73
Views: 16,278
Posted By elleminopee
OK. So Mary Pat already linked and quoted this...

OK. So Mary Pat already linked and quoted this above. My oversight.
Forum: Life 11-10-2017, 10:19 AM
Replies: 73
Views: 16,278
Posted By elleminopee
One more link although it is substantially...

One more link although it is substantially similar to all the others: https://www.pwc.com/us/en/tax-services/publications/insights/house-ways-and-means-chairman-brady-releases-tax-reform-bill.html
...
Forum: Life 10-13-2017, 09:00 AM
Replies: 25
Views: 2,665
Posted By elleminopee
I don't know that I would entirely agree that...

I don't know that I would entirely agree that lapses are correlated with interest rates, at least not for fixed deferred annuities. I would say that lapses are correlated with the difference between...
Forum: Life 10-13-2017, 08:30 AM
Replies: 25
Views: 2,665
Posted By elleminopee
This is brilliant! I wish we'd all thought of...

This is brilliant! I wish we'd all thought of that 30 years ago. We'd be so much better off today.
Forum: Life 10-12-2017, 07:58 AM
Replies: 25
Views: 2,665
Posted By elleminopee
When you figure it out, please let the rest of us...

When you figure it out, please let the rest of us know . . . so we can do it too. I'm only half joking. Or maybe 10% joking.

Seriously though, this is a difficult thing to do. I tend to agree...
Forum: Life 10-10-2017, 07:35 AM
Replies: 6
Views: 1,333
Posted By elleminopee
I seem to recall that they are not tax deductible.

I seem to recall that they are not tax deductible.
Forum: Life 09-06-2017, 08:28 AM
Replies: 2
Views: 1,161
Posted By elleminopee
Yes, basically.

Yes, basically.
Forum: Life 08-16-2017, 10:04 AM
Replies: 2
Views: 1,095
Posted By elleminopee
What's the need for requesting it during the 3...

What's the need for requesting it during the 3 year transition period?
Forum: Life 08-10-2017, 03:10 PM
Replies: 24
Views: 3,165
Posted By elleminopee
It probably means that the interest "credited" to...

It probably means that the interest "credited" to you on your cash value/reserve is more than the cost (mortality and expense) of the insurance. So you are paying for the insurance by virtue on the...
Forum: Life 08-10-2017, 02:55 PM
Replies: 24
Views: 3,165
Posted By elleminopee
A concept that is used in a sales setting is to...

A concept that is used in a sales setting is to calculate "death benefit IRR". Count each of your premiums as a negative (the investment) and the death benefit as a positive at the end of the...
Forum: Life 07-28-2017, 10:55 AM
Replies: 13
Views: 2,159
Posted By elleminopee
Thanks, urysohn and Old Timer. And, yes,...

Thanks, urysohn and Old Timer.

And, yes, funding on an ART-like basis ("paying COI only" as JMO said) IS a way to fund the policy. It's just a very expensive way. And, it seems like a shame for a...
Forum: Life 07-27-2017, 02:32 PM
Replies: 13
Views: 2,159
Posted By elleminopee
If they were only violating 7-pay (7702a) you...

If they were only violating 7-pay (7702a) you would be correct. They would also be violating guidelines (7702) which means the policy is no longer deemed to be life insurance. There are lots of tax...
Forum: Life 07-27-2017, 09:32 AM
Replies: 13
Views: 2,159
Posted By elleminopee
Holding it until they die is the problem. For...

Holding it until they die is the problem. For the policy to last until they die, they need to increase the premium. Because of underfunding in prior years, the increased "catch-up premium" will...
Forum: Life 07-26-2017, 03:25 PM
Replies: 13
Views: 2,159
Posted By elleminopee
Thanks, urysohn, for an entertaining and probably...

Thanks, urysohn, for an entertaining and probably amazingly accurate reply.

In response to Jojo (I'm assuming your comment was directed to my OP), I'd point out that the OP wasn't trying to find...
Forum: Life 07-14-2017, 12:49 PM
Replies: 13
Views: 1,899
Posted By elleminopee
It seems to me that BOTH formulas in the OP were...

It seems to me that BOTH formulas in the OP were assuming constant rates since it solves for a single monthly rate. I had taken the OP to simply be asking about the + vs - version and not to be...
Forum: Life 07-13-2017, 04:06 PM
Replies: 13
Views: 1,899
Posted By elleminopee
It's not the fact that you get a different answer...

It's not the fact that you get a different answer than the "minus" method that I'm using as proof. It's the fact that you get a different answer than the 1% annual decrement that you started with. ...
Forum: Life 07-13-2017, 02:42 PM
Replies: 13
Views: 1,899
Posted By elleminopee
Assuming the q is a decrement (which they usually...

Assuming the q is a decrement (which they usually are), the reason I don't think the "plus" version could ever work is because, it doesn't get you to the right place after 12 months.

Take a...
Forum: Life 07-13-2017, 02:15 PM
Replies: 13
Views: 2,159
Posted By elleminopee
Calling all guideline experts (or intermediates or novices)

Iíve run across what I think is an interesting situation regarding guideline premiums. Seems like it could be common to many carriers and Iím curious what otherís think.

Assume you have a UL plan...
Forum: Careers - Employment 07-14-2012, 02:50 PM
Replies: 43
Views: 3,998
Posted By elleminopee
Austin - home of the longhorns

Can someone who has worked in Austin give me some general information about the city?

Things like
- how the traffic is (if you like 20 miles out is that a 20 minute commute or 45 minute commute)...
Forum: Non-Actuarial Topics 05-29-2008, 09:14 AM
Replies: 27
Views: 1,987
Posted By elleminopee
Thanks to all for the replies. From another...

Thanks to all for the replies. From another forum and this one I've received an abundance of advice to not combine NS and PEI with this Maine vacation. So I've decided to save it for another trip. ...
Forum: Non-Actuarial Topics 05-26-2008, 09:22 AM
Replies: 27
Views: 1,987
Posted By elleminopee
OK, thanks, Providence is out. Concerning...

OK, thanks, Providence is out.

Concerning Nova Scotia. I've been unable to make up my mind how important that part of the trip is. It's quite a lot of extra driving time. Is there really that...
Showing results 1 to 25 of 257

 

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