Life insurance news and articles written by acturies for actuaries - read the latest research pieces, today's news and latest articles in the Life insurance market.

How protection can make a comeback via the workplace
By Tom Murray, Head of Product Strategy, Exaxe
Open any newspaper and it’s hard to avoid an article decrying the on-going bureaucratic interference in the workplace by health and safety officials. Every day, bizarre situations are trotted out to underline the stupidity of the situation, such as police officers that can’t jump into a pond to rescue a young child because they don’t hold a certificate in dealing with water rescue issues or universities who ban graduates from throwing up their caps afterwards because a student was previously injured by a hat on the way down.
Reading a summary of these stories recently, it struck me that the workplace was the ideal place for health and safety issues to be addressed – but in the form of health and protection life policies, not of workplaces policies.

Protection goes out of fashion

Over the last 10 years, throughout the boom, sales of protection products have stagnated and are still at the actual level that they were at seven years ago. Why should this be so? Protection products are a very cheap and effective way for individuals to ensure their security.

It appears that people are no longer looking for anything as mundane as preserving their current position....Read More

Latest Life Articles
Two-fifths have suffered redundancy or long-term illness
17 May 2012
ONS figures show sickness absence on the decrease in UK
17 May 2012
Can technology improve care and reduce costs?
16 May 2012
Pensioners fail to count cost of ill-health in retirement
16 May 2012
Seven of ten life insurers optimistic despite Euro crisis
15 May 2012
Towers Watson to Expand Retiree Benefit Services
15 May 2012
Canada Life comments on review of disability benefits claims
14 May 2012
Casualty & General opens first office in London
14 May 2012
Towers Watson to Acquire Extend Health
14 May 2012
7 out of 10 life insurers optimistic in spite of Euro crisis
11 May 2012
Small firms unaware of Group Income Protection products
10 May 2012
Will social care be a priority?
09 May 2012
Care reform cannot only focus on the poorest elderly people
09 May 2012
Life surrenders could result in sale of insurer assets
08 May 2012
How protection can make a comeback via the workplace
03 May 2012
Unleash your model!
01 May 2012
Deloitte launches UK Centre for Health Solutions
30 April 2012
7 out of 10 people with stress problems are able to work
30 April 2012
Life premiums down in India
25 April 2012
Aviva to consider sale of US life book?
16 April 2012
View More News View More Articles

Unleash your model!

By David Gregson, OAC Actuaries and Consultants

Solvency II offers a launch pad for innovation in financial modelling systems. Can existing enterprise-wide models keep up with regulatory requirements anddrive competitive advantage? It is not difficult to imagine when ‘real-time’ Economic Capital calculations could be used to determine long-term strategy and provide daily solvency ‘dashboard data’ to enable risk management visibility across an organisation.

Using the latest enterprise-wide modelling, executives would see at a glance the profitability of proposed product lines, the effectiveness of an org...Read More

Understanding profitability in life insurance

While life insurers have a good value proposition for their policyholders, they lack an easy and understandable way to explain to other stakeholders how they create value and earn profits. Swiss Re’s latest sigma study, “Understanding profitability in life insurance”, discusses the need to arrive at a standard framework for communicating the value and performance of life insurance companies.

Unlike many other industries, life insurance is a business with long-term products and services whose profitability cannot be measured without a long-term lens. Insurers monitor and manage performance on an ongoing basis, but because life insurance policies remain in...Read More

Swiss Re's David O'Sullivan on the insurability of HIV

Latest Life News
UK: Aviva's first Working Lives report outlines the challenges of getting Britain's workers saving
UK: Aviva offers more companies a cost efficient way to fund PMI
UK: Advisers are getting RDR ready but still looking for help in making business model decisions
UK: Aviva customers received over £29.5 million in income protection last year
UK: Mind the gap - Brits want £7,000 extra income to be comfortable
UK: Financially - squeezed middle ages need extra £600 per month

Lifestyle Actuary
With pension provision being very much in the spotlight today, being a pension fund trustee is not easy. Indeed, this is particularly true with regard to the investment aspects of trusteeship, with its many nuances and often mystifying jargon and ter...Read More

The Luddite
Sony has posted record losses of £4bn in its last fiscal year. It also reported that it would eradicate around 6 percent of its workforce worldwide, which represents a figure of around 10,000 jobs. New CEO Kazuo Hirai announced on the same day that t...Read More

Travelling Actuary
Last year the disastrous Greek economy made consistent headline news, and is still an on-going concern. This month, Traveling Actuary Eve Hartridge reviews the Greek Island of Kefalonia, where the attitude is very much business as usual.

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