Life

The Academy’s Life Practice Council (LPC) is dedicated to providing policymakers and regulators with unbiased technical expertise.

From crafting principle-based regulatory frameworks to optimizing risk-based capital strategies, the LPC is at the forefront of innovation in the life insurance industry.

Life
Capital

Capital

Life and annuity capital adequacy and recommendations to improve life Risk-Based Capital (RBC) requirements.
Explore
Financial Reporting

Financial Reporting

Life insurance and annuity topics that involve financial reporting, with an emphasis on GAAP and international issues.
Explore
Product

Product

Life and annuity product features and their design.
Explore
Reserves

Reserves

The minimum statutory reserve standard for all life and annuity products.
Explore
More Life Issues

Life News

Health Committee News

ASB Adopts Final Revision of ASOP No. 5

The ASB recently adopted a final revision of ASOP No. 5, Incurred Health Claim Liabilities. This ASOP provides guidance to actuaries when estimating or reviewing incurred claims when preparing or…
Topics: ASB News
Date Published: 04/27/2017
Read More
Life Committee News

ASB Approves Exposure of Proposed ASOP on Principle-Based Reserves for Life Products

The ASB approved an exposure draft of a proposed new ASOP titled Principle-Based Reserves for Life Products. The proposed ASOP will apply to actuaries when performing actuarial services on behalf of…
Topics: ASB News
Date Published: 04/14/2017
Read More

Life Resources

Comment / Letter

Practice Councils Comment to NAIC on Revised RBC Principles

The Casualty Practice Council, Health Practice Council, Life Practice Council, and Risk Management and Financial Reporting Practice Council submitted a joint comment letter to the NAIC’s…
Date Published: 10/24/2025
Download
Comment / Letter

LPC Comments to LATF on AG 55

The Life Practice Council (LPC) submitted comments and recommendations to the NAIC’s Life Actuarial (A) Task Force (LATF) regarding the Actuarial Guideline 55 (AG 55) Template Exposure.
Topics: NAIC
Date Published: 10/16/2025
Download
Comment / Letter

Life Illustrations Subcommittee Comments to NAIC

The Life Illustrations Subcommittee provided comments to LATF and the NAIC’s Life and Annuity Illustration (A) Subgroup regarding the exposed APF 2025-XX Illustrations.
Topics: NAIC
Date Published: 10/16/2025
Download
Resource

Applicability Guidelines for Actuarial Standards of Practice

Introduction to the Applicability Guidelines Actuarial Standards of Practice.  The Actuarial Standards Board (ASB) sets standards for appropriate actuarial practice in the United States…
Date Published: 10/14/2025
Download
Comment / Letter

Comments to NAIC Groups Regarding the LRBCWG/VACRSG Exposure

The C-3 Subcommittee and Variable Annuity Reserves and Capital Subcommittee provided comments to the NAIC’s Life Risk-Based Capital (E) Working Group (LRBCWG) and to the Variable Annuities Capital…
Topics: Life NAIC
Date Published: 09/18/2025
Download
Presentation

C-3 Subcommittee Presents to NAIC on C3 Alignment

The C-3 Subcommittee provided an update on C3 Alignment to NAIC’s Life Risk-Based Capital (E) Working Group meeting.
Topics: Life
Date Published: 09/11/2025
Download
Comment / Letter

Subcommittee Comments on AG49-A to LATF

The Life Illustration Subcommittee submitted comments to NAIC’s Life Actuarial (A) Task Force (LATF) on recent amendments to APF AG 49-A Section 7.
Topics: Life
Date Published: 09/09/2025
Download
Comment / Letter

LPC comments on AG 55 to LATF

The Life Practice Council submitted comments to NAIC’s Life Actuarial (A) Task Force (LATF) on the template exposure for AG 55.
Topics: Life
Date Published: 09/09/2025
Download
Comment / Letter

Comment Letter to NAIC on AI Systems Evaluation Tool

Providing an actuarial perspective on responsible use of AI in insurance, vice presidents from the Academy’s casualty, health, life, and risk management and financial reporting councils sent a…
Date Published: 09/08/2025
Download
Comment / Letter

Committee comments on covariance

The Life Investment and Capital Adequacy Committee submitted a comment letter to NAIC’s Life Risk-Based Capital (E) Working Group (LRBC) in response to questions raised during LRBC’s June meeting.
Topics: Life
Date Published: 09/08/2025
Download