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	<title>Ruark Consulting &#187; Rich Tucker</title>
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	<description>Innovative Actuaries, Trusted Advisors</description>
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		<title>National Underwriter: Policyholders Getting Smarter, Leading to Charges for VA Products, Says Moody&#8217;s</title>
		<link>http://ruarkonline.com/national-underwriter-policyholders-getting-smarter-leading-to-charges-for-va-products-says-moodys/</link>
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		<pubDate>Tue, 31 Jan 2012 15:07:59 +0000</pubDate>
		<dc:creator>Rich Tucker</dc:creator>
				<category><![CDATA[Annuity & Life Consulting]]></category>
		<category><![CDATA[Library]]></category>
		<category><![CDATA[Reinsurance]]></category>

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		<description><![CDATA[Elizabeth Festa of National Underwriter had an article in the January 2012 edition entitled &#8220;Policyholders Getting Smarter, Leading to Charges for VA Products, Says Moody&#8217;s&#8221;.  An excerpt from this article is: In pricing and hedging the risks of their VA contracts, companies must also make assumptions about how many customers will hold on to their [...]]]></description>
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		<title>Jack Marrion&#8217;s Index Compendium Notes RCL&#8217;s Indexed Annuity Study</title>
		<link>http://ruarkonline.com/jack-marrions-index-compendium-notes-rcls-indexed-annuity-study/</link>
		<comments>http://ruarkonline.com/jack-marrions-index-compendium-notes-rcls-indexed-annuity-study/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 18:47:15 +0000</pubDate>
		<dc:creator>Rich Tucker</dc:creator>
				<category><![CDATA[Annuity & Life Consulting]]></category>
		<category><![CDATA[Library]]></category>

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		<description><![CDATA[Jack Marrion&#8217;s Index Compendium for February 2012 includes a reference to Ruark Consulting&#8217;s recently completed Fixed Indexed Annuity Surrender Study, as follows: Index Annuity Surrenders Sharply Down Based on data from carriers representing 80% of industry sales, a new study published by Ruark Consulting (www.ruarkonline.com) finds that surrenders of index annuity contracts declined significantly from [...]]]></description>
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		<title>LifeHealthPro references RCL&#8217;s Indexed Annuity Study</title>
		<link>http://ruarkonline.com/lifehealthpro-references-rcls-indexed-annuity-study/</link>
		<comments>http://ruarkonline.com/lifehealthpro-references-rcls-indexed-annuity-study/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 22:20:27 +0000</pubDate>
		<dc:creator>Rich Tucker</dc:creator>
				<category><![CDATA[Annuity & Life Consulting]]></category>
		<category><![CDATA[Library]]></category>

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		<description><![CDATA[Maria Wood has published an article in LifeHealthPro (which I still think of as National Underwriter) entitled &#8220;Fixed Indexed Annuity Holders Keep Holding On&#8221;.  It is another article based on Ruark Consulting&#8217;s Fixed Indexed Annuity Surrender Study.  It can be viewed at: Fixed Indexed Annuity Holders Keep Holding On &#160;]]></description>
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		<title>AnnuityNews.com references RCL&#8217;s Indexed Annuity Study</title>
		<link>http://ruarkonline.com/annuitynews-com-references-rcls-indexed-annuity-study/</link>
		<comments>http://ruarkonline.com/annuitynews-com-references-rcls-indexed-annuity-study/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 22:33:22 +0000</pubDate>
		<dc:creator>Rich Tucker</dc:creator>
				<category><![CDATA[Annuity & Life Consulting]]></category>
		<category><![CDATA[Library]]></category>

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		<description><![CDATA[Linda Koco has published an article in AnnuityNews.com entitled &#8220;More Policyholders Keeping Their Indexed Annuities&#8221;.  It is based on the results from Ruark Consulting&#8217;s Fixed Indexed Annuity Surrender Study.  It can be viewed at: More Policyholders Keeping Their Indexed Annuities &#160;]]></description>
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		<title>Fixed Indexed Annuity Surrender Study Provides Cutting Edge Insights</title>
		<link>http://ruarkonline.com/fixed-indexed-annuity-surrender-study-provides-cutting-edge-insights/</link>
		<comments>http://ruarkonline.com/fixed-indexed-annuity-surrender-study-provides-cutting-edge-insights/#comments</comments>
		<pubDate>Thu, 05 Jan 2012 17:39:11 +0000</pubDate>
		<dc:creator>Rich Tucker</dc:creator>
				<category><![CDATA[Annuity & Life Consulting]]></category>
		<category><![CDATA[Library]]></category>

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		<description><![CDATA[SIMSBURY, CT/January 5, 2012 – Ruark Consulting LLC, a Connecticut-based actuarial consulting firm, has completed its 2011 Fixed Indexed Annuity Surrender Study.  This ground-breaking study includes unprecedented detail on the impact of various product features on policy persistency, which is invaluable for insurance companies to manage risk and design appropriate products. Key findings include: Persistency [...]]]></description>
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