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This document explains the concept of annuities, including how to calculate their future and present values, and provides examples related to personal finance.
Note:
Year
Document Type:
Educational Material
Price: 8 / 10 USD
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The product description is provided for reference. Actual content and formatting may differ slightly.
Year:
2017
Document type:
Regulatory guidance
Topic:
Insurance reserves
Organization:
National Association of Insurance Commissioners (NAIC)
Target audience:
Actuaries and insurance companies
Effective date:
January 1, 2017
Related models:
Model #820, AG 43
Year:
2017
Region / City:
United States
Subject:
Valuation interest rates for annuities
Document Type:
Guidance Note
Issuer / Institution:
NAIC
Author:
NAIC
Target Audience:
Actuaries, insurance professionals
Effective Period:
From December 31, 2017
Approval Date:
Not specified
Date of Amendments:
Not specified
Section:
1, 2, 3
Reference Period:
Based on Premium Determination Date
Contract Type:
Single premium immediate annuity, deferred income annuity, structured settlements, supplementary contracts
Jumbo Contract Threshold:
$250,000,000
Premium Determination Date:
Varies by contract type
Credit Rating Distribution:
Treasuries, Aa bonds, A bonds, Baa bonds
Definitions:
Portfolio Credit Quality Distribution, Daily Treasury Rate, Expected Default Cost, Jumbo Contract, Non-jumbo Contract
Valuation Rate Buckets:
A, B, C, D
Maximum Valuation Interest Rate:
Defined per contract category and age
Valuation Methodology:
Based on Valuation Rate Buckets and Reference Period
Year:
2017
Region / Jurisdiction:
United States
Subject:
Insurance, Annuities, Reserve Valuation
Document Type:
Regulatory Guidance Note
Organization:
National Association of Insurance Commissioners (NAIC)
Applicable Contracts:
Single premium immediate annuities, deferred income annuities, structured settlements, payout annuities, supplementary contracts
Definitions Included:
Portfolio Credit Quality Distribution, Daily Treasury Rate, Expected Default Cost, Reference Period, Jumbo Contract, Non-jumbo Contract, Expected Spread, Quarterly Treasury Rate, Premium Determination Date, Initial Age
Scope:
Policies issued after December 31, 2017
Supersedes:
VM-C IX.B and VM-C IX-C
Methodology:
CARVM and CRVM
Relevant Website References:
https://www.treasury.gov
Note:
, NAIC LATF website
Document Title:
VM-22 PBR: Requirements for Principle-Based Reserves for Non-Variable Annuities
Governing Framework:
Valuation Manual Section II – Reserve Requirements
Related Sections:
VM-01, VM-21, VM-A, VM-C, VM-V
Subject Matter:
Principle-Based Reserve Requirements for Non-Variable Annuity Contracts
Document Type:
Regulatory actuarial standard
Issuing Body:
National Association of Insurance Commissioners (NAIC)
Applicable Products:
Non-Variable Annuities, Income Annuities, Riders and Supplemental Benefits
Effective Date:
January 1, 2025 (for specified contracts)
Scope:
Annuity contracts as defined in SSAP No. 50 in the AP&P Manual
Key Components:
Reserve Methodology, Scenario Reserve (SR), Deterministic Reserve (DR), Standard Projection Amount, Stochastic Exclusion Tests
Reinsurance Treatment:
Included under Aggregate Reserve requirements
Interest Rate Provisions:
Statutory Maximum Valuation Interest Rates for Income Annuity Formulaic Reserves
Regulatory Context:
Part of Principle-Based Reserves (PBR) requirements under the Valuation Manual
Year:
2024
Region / City:
Victoria
Topic:
Child Health Information Management
Document Type:
User Guide
Organization:
Victorian Maternal and Child Health (MCH)
Author:
Not specified
Target Audience:
MCH staff, clinicians
Period of validity:
Not specified
Approval Date:
Not specified
Date of changes:
Not specified
Year:
2023
Region / City:
Australia
Topic:
Taxation, Trusts, Tax Law
Document Type:
Letter
Organization:
Australian Taxation Office (ATO)
Author:
Australian Taxation Office (ATO)
Target Audience:
Tax professionals, trustees, private companies
Effective Period:
Since 1 July 2022
Approval Date:
September 2023
Date of Changes:
September 2023
Year:
2020
Region / City:
Liverpool
Theme:
Pharmacy Services
Document Type:
Meeting Agenda
Organization:
Liverpool LPC
Author:
Not specified
Target Audience:
LPC Members, Clinical Advisors, Pharmacy Staff
Period of Action:
October 2020
Date of Approval:
October 2020
Date of Changes:
Not specified
Note:
Year
Topic:
English grammar, Present Simple Tense
Document Type:
Educational material
Target Audience:
English language learners
Year:
2018
Region / City:
Philadelphia
Subject:
Information Technology, Project Management
Document Type:
Course Description
Organization / Institution:
Community College of Philadelphia
Author:
Barbara Anne Hearn
Target Audience:
Students pursuing a career in IT Project Management
Period of Validity:
Fall 2019 and onward
Approval Date:
November 28, 2018 (updated February 13, 2019)
Date of Changes:
February 13, 2019
Year:
1864–present
Region / City:
Butte, Montana, USA
Topic:
Mining history, urban development, labor movements, ethnic communities
Document Type:
Historical overview / exhibit summary
Key Events:
Gold discovery 1864, silver and copper discoveries 1875–1876, population peak 1917, Berkeley Pit operations 1955–1982
Notable Figures:
Mark Twain, Charlie Chaplin, Sarah Bernhardt, Clark Gable
Economic Impact:
Copper production, underground mining, labor unions
Ethnic Groups:
Italian, Eastern European (Slovenians, Czechs, Hungarians, Austrians), Finnish, Irish
Note:
Year
Topic:
Child Protection, Safety Plan
Document Type:
Protective Plan Form
Agency:
CPS (Child Protective Services)
Target Audience:
Families with children in protective services
Duration:
Short-term
Education and Training:
University of North Carolina at Chapel Hill, UNC Eshelman School of Pharmacy, Doctor of Philosophy (PhD) May 2013; Rutgers, The State University of New Jersey, Ernest Mario School of Pharmacy, Doctor of Pharmacy (PharmD) May 2008 (Summa Cum Laude)
Licensure:
New Jersey (License #28RI03227100, Active), North Carolina (License #20495, Inactive)
Professional Experience and Academic Appointments:
Associate Professor, Department of Clinical Pharmacy, University of Michigan College of Pharmacy, Ann Arbor, Michigan, September 2023-Present; Assistant Professor, Department of Clinical Pharmacy, University of Michigan College of Pharmacy, Ann Arbor, Michigan, April 2016-Present; Core Member, University of Michigan Rogel Cancer Center, Ann Arbor, Michigan, February 2014-present; Research Assistant Professor, Department of Clinical Pharmacy, University of Michigan College of Pharmacy, Ann Arbor, Michigan, April 2013-April 2016
Publications:
Peer-reviewed Publications, e.g., "Supportive Care 2030 Movement: Towards Unifying Ambitions for Global Excellence in Supportive Cancer Care" published in eClinicalMedicine (The Lancet)
Role:
Critical Review
Note:
en
Year:
2024
Region / City:
Ann Arbor, MI
Theme:
Clinical Pharmacy, Pharmacology
Document Type:
Professional Curriculum Vitae
Institution:
University of Michigan College of Pharmacy
Author:
Daniel L. Hertz, PharmD, PhD
Target Audience:
Academic/Medical professionals
Date of Publication:
2024
Date of Update:
2024
Year:
2023
Region / City:
United States
Topic:
Human Resources, Labor Market Trends, Employee Benefits
Document Type:
Article
Organization / Institution:
US Department of Labor
Author:
James, Reners et al., Leonardi et al., Kucher & Mohilevskyi, Bakare et al.
Target Audience:
HR Managers, Business Leaders, Employee Benefits Specialists
Period of Effect:
Ongoing
Approval Date:
N/A
Date of Modifications:
N/A
Year:
2026
Region / city:
Unknown
Topic:
Academic Research
Document Type:
Article
Institution:
Unknown
Authors:
1st Author’s name, 2nd Author’s name, 3rd Author’s name
Target Audience:
Researchers
Period of Validity:
Not specified
Approval Date:
Not specified
Date of Changes:
Not specified
Year:
2024
Region / City:
California
Topic:
Business Rules, Technical Specifications
Document Type:
Technical Specification
Organization:
Department of Industrial Relations
Author:
N/A
Target Audience:
JET Filers, Technical Staff
Effective Date:
April 2024
Revision History:
N/A
Appendices:
A, B, C, D, E, F, G, H, I, J
Year:
2019
Region / City:
European Union
Topic:
Ecotoxicology, Pesticides
Document Type:
Technical Report
Author:
European Food Safety Authority (EFSA)
Target Audience:
Scientists, Regulatory Bodies, Pesticide Manufacturers
Validity Period:
Not specified
Approval Date:
2019
Amendment Date:
Not specified
Authors:
1st Author’s name, 2nd Author’s name, 3rd Author’s name
Affiliations:
Author’s affiliation, Author’s affiliation, Author’s affiliation
Addresses:
Authors’ address, Authors’ address, Authors’ address
Emails:
author’s email address, author’s email address, author’s email address
Abstract:
This is the abstract. This is the abstract. This is the abstract. This is the abstract. This is the abstract. This is the abstract. This is the abstract.
Keywords:
These are the keywords. These are the keywords. These are the keywords.
Document type:
Academic article
Sections:
Introduction, headings 1–4, figures, tables, quotations, lists
Citation style:
Author-year (Harvard style)
Content format:
Text with structured headings, tables, figures, and references
Year:
2022
Region / City:
Australia
Theme:
Taxation / Trusts
Document Type:
Taxation Determination
Author:
Australian Taxation Office (ATO)
Target Audience:
Tax professionals, Trustees, Private company beneficiaries
Period of validity:
From 1 July 2022
Approval Date:
2022
Date of Changes:
1 July 2022
Year:
2023
Region / City:
United States
Topic:
Healthcare, Medicare, MIPS, Value Pathways
Document Type:
Guidelines
Organization:
Centers for Medicare & Medicaid Services (CMS)
Author:
Centers for Medicare & Medicaid Services (CMS)
Target Audience:
General public, healthcare professionals, clinicians
Period of Validity:
Not specified
Approval Date:
Not specified
Amendment Date:
Not specified