1. Life Insurance and SPIAs: A Happy Marriage that will last a lifetime
Life Insurance and SPIAs: A Happy Marriage that will last a lifetime....literally!
Jason Goldstein, ASA, MAAA, RICP – ClearPath Financial

2. Life Insurance 101 Term vs Perm Industry Mortality Tables
Age Only Male/Female  Smoker/Non-SmokerPref/Standard/Sub
Older Tables 1980 CSO Tables2001 CSO Tables2008 VBT Tables
2017 Tables And beyond
Company experience driven mortality tables, based on size and credibility
Different mortality tables for reserves and pricing, today’s focus is on pricing
Interest Rate Component as well

5. Whole Life: The Good and the Bad
Strengths and Weaknesses
Bad and good uses

7. SPIAs 101 1983 IAM Annuity Table Annuity 2000 Basic Table 2012 IAM G2
Interest Rate Component

12. SPIAs: The Good and the Bad
Strengths and Weaknesses
Bad and good uses

13. Life Insurance and SPIAs: A Happy Marriage – WHY?! HOW?!

14. RICP Designation https://www. theamericancollege

23. Wade Pfau Article Optimizing Retirement Income by Combining Actuarial Science and Investments by Wade D. Pfau, Ph.D., CFA

35. References Google.com Wealthbuildingcornerstones.com
/RetirementNestEggCalc.jsf

36. Questions? Jason Goldstein, ASA, MAAA, RICP ClearPath Financial
220 Gibraltar Road, Suite 350
Horsham, PA 19044