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Average
The term 'Average' has two meanings:
(1) In marine insurance, in
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2004 were denied coverage. Pensions are typically payments made in the form of a guaranteed annuity to a retired or disabled employee. The existence of certain experience-based contract terms, such as experience accounts, profit commissions, and additional premiums, generally reduce the amount of risk transfer and make it less likely that risk transfer is reasonably self-evident. ”
— "Reinsurance Attestation Supplement 20-1: Risk Transfer Testing Practice Note,"
American Academy of Actuaries, November 2005.
Risk limiting features
An insurance policy should not contain provisions that allow one side or the other to unilaterally void the contract in
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Despite the fact that the participant in a defined contribution plan typically has control over investment decisions, the plan sponsor retains a significant degree of fiduciary responsibility over investment of plan assets, including the selection of investment options and administrative providers.
Hybrid and cash balance plans
Hybrid plan designs combine the features of defined benefit and defined contribution plan designs. Breaking the pill may cause too much of the drug to be released at one time
