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Search: Posts Made By: DES
Forum: Life 08-23-2018, 07:27 AM
Replies: 297
Views: 101,517
Posted By DES
I think it's quite conceivable that someone in...

I think it's quite conceivable that someone in their 30's or 40's can have a family, children, etc. and buy individual life insurance, then get sick or injured and get hooked on opioids and later OD....
Forum: Life 08-22-2018, 07:43 AM
Replies: 297
Views: 101,517
Posted By DES
Bad trend continues

The question in my mind is, to what extent is this affecting our insured population? My guess is that it has some effect -- people can get sick/injured after getting a life insurance policy, get...
Forum: Pension - Social Security 07-16-2018, 01:18 PM
Replies: 1,536
Views: 95,011
Posted By DES
http://www.wirepoints.com/r-i-p-jeremy-gold/

http://www.wirepoints.com/r-i-p-jeremy-gold/
Forum: Life 07-10-2018, 09:41 AM
Replies: 297
Views: 101,517
Posted By DES
Any idea what the right y-axis is in the graph?...

Any idea what the right y-axis is in the graph? Seems silly anyway since it's almost the exact same scale as the left axis.
Forum: Life 08-14-2017, 07:09 AM
Replies: 2
Views: 786
Posted By DES
Yes, the second one is what I was looking for....

Yes, the second one is what I was looking for. The first set is true GI with very high rates.

Now I wonder if we'll get select and smoker-distinct rates as well. I guess the problem is that SI is...
Forum: Life 08-07-2017, 10:47 AM
Replies: 17
Views: 1,481
Posted By DES
You could always just fund your IUL such that it...

You could always just fund your IUL such that it terminates at age 70. What other way is there to accomplish what you are suggesting?
Forum: Life 08-07-2017, 09:13 AM
Replies: 2
Views: 786
Posted By DES
NAIC Summer Meeting

Mary Bahna-Nolan presented to LATF on the 2017 simplified issue composite mortality tables report. (This is about simplified issue underwriting, not accelerated underwriting, the one "replacing"...
Forum: Life 08-15-2016, 07:59 AM
Replies: 2
Views: 1,052
Posted By DES
Are you referring to the 2017 CSO preferred...

Are you referring to the 2017 CSO preferred tables? Because the 2015 VBT RR tables are definitely available.
Forum: Life 04-29-2016, 11:48 AM
Replies: 13
Views: 2,583
Posted By DES
Only old people. :)

Only old people. :)
Forum: Life 04-29-2016, 11:25 AM
Replies: 13
Views: 2,583
Posted By DES
PBR is dead

Okay, it's not dead, but it seems to be hanging by a thread. Aggregation was part of the original idea, and the regulators are going to take it out.

On one side, you have regulators who don't...
Forum: Life 02-08-2016, 01:41 PM
Replies: 161
Views: 49,003
Posted By DES
What is the status on 1/1/17 adoption? Is it any...

What is the status on 1/1/17 adoption? Is it any better or worse than what we thought six months ago? It's hard for me to tell from all the updates above . . .
Forum: Life 10-07-2015, 07:34 PM
Replies: 2
Views: 1,347
Posted By DES
I believe this is referring to VM-20 (life, not...

I believe this is referring to VM-20 (life, not annuity), but I don't have it in front of me. In any case, improvement from the midpoint of your experience study up to the valuation date is allowed....
Forum: Life 10-06-2015, 10:55 AM
Replies: 2
Views: 1,347
Posted By DES
VM-20 Practice Note

Q15.7 in the current practice note states:

"Actuaries may use improvement factors for the applicable industry table, applied to the industry table, that will be determined and published by the...
Forum: General Actuarial 03-23-2015, 04:02 PM
Replies: 144
Views: 20,723
Posted By DES
That gentler approach would not be used in...

That gentler approach would not be used in today's environment, apparently, due to recent events.
Forum: Non-Actuarial Topics 12-17-2014, 01:15 PM
Replies: 12
Views: 472
Posted By DES
Nope, it's 0.45!

Nope, it's 0.45!
Forum: General Actuarial 12-16-2014, 11:58 AM
Replies: 50
Views: 4,863
Posted By DES
My experience with the new website has not been...

My experience with the new website has not been good. Here's what I did.

I wanted to look someone up. I figured that would be under "Membership". Nope, nothing there.

I looked in "Community"...
Forum: General Actuarial 12-16-2014, 11:51 AM
Replies: 50
Views: 4,863
Posted By DES
Totally agree. I hate it. For one thing, I have...

Totally agree. I hate it. For one thing, I have to scroll a lot more to find something because of the gigantic squares everywhere. And it's so disorganized.

And the menus at the top --...
Forum: Life 12-10-2014, 09:13 AM
Replies: 9
Views: 2,977
Posted By DES
Ah, of course, thanks. And from that you can...

Ah, of course, thanks. And from that you can tell I've only looked at the stochastic stuff for PBR.
Forum: Life 12-02-2014, 10:37 AM
Replies: 9
Views: 2,977
Posted By DES
"Mortality Table Development Update 2014 VBT/CSO:...

"Mortality Table Development Update 2014 VBT/CSO: At this time, the expectation is that the 2014 CSO table will have 3 non-smoker and 2 smoker tables."

What will the CSO tables be used for if...
Forum: General Actuarial 11-14-2014, 12:50 PM
Replies: 25
Views: 3,909
Posted By DES
Exactly. Given the current climate, I don't...

Exactly. Given the current climate, I don't suppose they'll get together on this any time soon.
Forum: General Actuarial 11-14-2014, 10:43 AM
Replies: 25
Views: 3,909
Posted By DES
I was wondering about that too. I think it's...

I was wondering about that too. I think it's still a bit early for the 2015 dues. My history shows that I generally pay in late November.
Forum: Life 11-13-2014, 03:05 PM
Replies: 2
Views: 1,058
Posted By DES
You can set the guaranteed credited rate to...

You can set the guaranteed credited rate to whatever you want.
Forum: Life 05-01-2013, 08:58 AM
Replies: 2
Views: 836
Posted By DES
Thank you, jraven, I had looked through the model...

Thank you, jraven, I had looked through the model reg, and that paragraph didn't jump out at me. It's rather convoluted language.
Forum: Life 05-01-2013, 07:13 AM
Replies: 2
Views: 836
Posted By DES
One year delay in nf rate

Where does it say that we have an extra year to implement the new nf rate of 4.5%?
Forum: Life 07-05-2012, 04:10 PM
Replies: 0
Views: 966
Posted By DES
AXXX and riders

When calculating AXXX reserves, should you count the rider COIs in all the shadow account mechanics for the reserve (steps 1, 3, and 4)? When you quote a premium, it would include these charges...
Showing results 1 to 25 of 75

 

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