HS 323 Video: Individual Life Insurance (2015) episodes:

• March 23, 201512-01-Identify and explain the factors that top management must consider in managing surplus—that is, monitoring the surplus accumulated within the insurance company and deploying it in the best possible directions.

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• March 23, 201512-03-Describe the several competing needs among which a company's board of directors must allocate newly earned surplus.

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• March 23, 201512-04-Explain the considerations and techniques involved in equitably distributing a company's divisible surplus to its policyowners in the form of dividends.

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• March 23, 201511-04-Explain how the methods typically used for deriving gross premiums differ for participating and nonparticipating policies.

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• March 23, 201511-07-Describe the steps that might be taken in developing a schedule of competitive premiums.

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• March 23, 201511-05-Explain how gross premiums are tested for adequacy using an asset-share test, how various assumptions affect asset shares, and how the results of an asset-share test are interpreted.

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• March 23, 201511-06-Compute the gross premium for a participating policy, given the net level premium and the loading factors.

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• March 23, 201511-02-Explain the key components of a typical loading, including the types of operating expenses related to each.

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• March 23, 201511-03-Describe the ways in which companies deal with per-policy expenses.

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• March 23, 201511-01-Describe the considerations that guide a life insurance company in setting its loading.

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