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Journal of the Institute of Actuaries, Volume 120 - Issue 3 - 1993

Contents

Meeting Report

Research Article

  • Unitised with profits — Gamaliel's advice

  • J. E. O'Neill, H. W. Froggatt
  • Published online by Cambridge University Press:
    20 April 2012, pp. 415-469

  • The paper deals with the development of unitised with-profits business in the United Kingdom. The authors trace the recent history of these products and comment on the main reasons for their development They also deal with corporate issues, including implications for policyholders and shareholders of different fund structures and different types of life office. Pricing and product development issues are also covered. Reserving issues including the range of valuation methods, statutory requirements and policyholders' reasonable expectations are explored. Finally the paper considers the actuary's contribution to the management of unitised with-profits policyholders' expectations.

Meeting Report

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