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Life Insurance and Annuities: The Impacts of Regulatory Requirements on Consumer Cost and Consumer Choice (PDF)
American Academy of Actuaries Link to more items from this source
June 16, 2017
12 pages. "This issue brief addresses the difference between equality and equity in insurance, and its impact on consumer cost. Then it describes some simple cases involving life insurance and annuities. These cases illustrate basic insurance principles and show that equity can be different from equality. Last, these cases are used to show possible impacts of laws and regulations, or 'mandates,' that: [1] Limit insurers' ability to equitably classify risks on new policies; or [2] Require certain rights or benefits on new policies."

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