Employee Spotlight: Mahak Agarwal
Learn how Mahak Agarwal came to work at Lewis & Ellis and discover her passion for actuarial work and solving technical problems.
Market Conduct Risk Framework: Key Components and Best Practices
Learn the components of a market conduct risk framework, how to build one, and best practices insurers use to strengthen it.
Case Reserves vs. IBNR: What’s the Difference?
Learn how case reserves and IBNR are estimated, how they interact, and why reserving accuracy matters for insurer solvency and compliance.
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Will life insurers have to start charging higher premiums?
Life insurance companies have had a difficult time maintaining business in the past few years as a result of the economic downturn and many consumers turning away from these products because they viewed them as luxuries rather than necessities. Now, more trouble might be on the horizon, this time in the form of potentially massive regulatory changes.
Most Americans aware of ACA requirements, but uninsured still lack knowledge
The Affordable Care Act's coverage mandate is just months away from going into effect, and while most Americans are fully aware of what's required of them under the legislation, this is not necessarily the case with those lacking insurance.
States trying to increase life insurance options for older residents
These days, many older Americans may be having financial difficulties as a result of the recent economic downturn and might therefore experience difficulties with regard to simply meeting their monthly costs. As a consequence, a number of states across the country are now trying to make it easier for them to find solutions to these problems by leaning on their life insurance policies.
Coastal areas could see more appreciable insurance costs
Following the significant amount of damage done by a number of natural disasters across the country last year, federal lawmakers overhauled the nation's flood insurance program, but that has now led to significant premium hikes for hundreds of thousands of people nationwide.
Employees now moving toward most affordable health insurance options
The economy has certainly helped to shape many consumers' attitudes toward insurance coverage of all kinds. Many are now looking for cut-rate deals on life insurance, or discontinuing it altogether, and likewise now trying to find the most affordable healthcare coverage available to them.
Some employers made job cut decisions prior to ACA delay decision
The decision to delay implementation of the business exchange mandate of the Affordable Care Act was made in part to accommodate government agencies that may have been a little behind schedule, but also to encourage companies to continue their hiring efforts seen in recent months. For a number of businesses nationwide, though, the announcement came a little too late.
The potential for life settlements growth is high
The future of the life settlements industry seems bright, due to increased regulation and an increased confidence in the underlying asset itself. Through the public becoming much more aware of life settlements and legislators requiring, in some states, that the insurance companies notify insured's about life settlements options, the supply of policies in the life settlements market will hopefully increase.
Health insurance costs expected to spike under ACA mandate
The Affordable Care Act's controversial coverage mandate goes into effect at the beginning of next year, with enrollment starting in just a few months. Now, another estimate shows that health insurance costs will likely rise under the new law.
GAO says rollout of ACA exchanges has been difficult, slow
The ways in which the federal government is set to introduce and implement the health insurance exchanges put in place by the Affordable Care Act has come under significant scrutiny in recent months as the deadline for enrollment to begin approaches. Now, a nonpartisan government agency indicates these problems may be very troubling to properly giving consumers and companies alike access to the marketplaces.
All types of life insurance saw increased premiums in first quarter
With confidence in the economy improving, the demand for certain types of life insurance has increased. With the economy steadily improving, but interest rates remaining relatively low, the demand for indexed and variable Universal (UL) products is increasing. This has led to an overall increase in premium growth in the first quarter of 2013.