Reserve regulation reference

Products & assumptions

Each product page starts with the regimes that govern it by issue date, then compares every reserve assumption across those regimes. Click any assumption to drill to the regulation text, citations, and official documents.

Life

Term life

The deepest page — premiums, mortality, segmentation, X factors, deficiency reserves across Pre-XXX CRVM, Regulation XXX, and VM-20 NPR / DR&SR.

Whole life

CRVM before PBR, then VM-20 — dividends, nonforfeiture floors, and the life PBR exemption for smaller writers.

Universal life

Model 585's guaranteed maturity premium method, AG 38 for secondary guarantees, then VM-20.

Variable UL

Model 270's separate-account framework, minimum death benefit guarantees, AG 38 overlay, then VM-20.

Health (valuation lines)

Disability income

Model 010's two-year preliminary term structure, the 1985 CIDA → 2013 IDI table transition, claim reserves.

Long-term care

Model 010 with LTC-specific lapse caps, AG 51 asset adequacy testing, the rate-increase interplay.

Across frameworks

VM-20 · VM-21 · VM-22

The three Valuation Manual frameworks compared on every assumption — what applies, what it is, what differs.