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Conference Overview

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Hotel Information

Sponsor and Exhibitor Information

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List of 2009 Attendees by Company

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Overview
Join the hundreds of retirement industry professionals who will attend the 2010 Retirement Industry Conference to gain insights on the latest industry developments and equip themselves with solutions to address the complex challenges they face every day. This comprehensive conference is for you, if your role involves:

• Individual annuity and retirement income products
• Defined contribution or defined benefit retirement plans
• Accumulation or retirement income
• Strategic planning
• Product development and risk management
• Marketing, distribution, operations or communications

The Retirement Industry Conference delivers a comprehensive exploration of today's retirement industry and where it's going, and features dozens of sessions focused on:

• Annuities

• Retirement plans

• Retirement income

Breaks, receptions, luncheons, and special dining options allow you to network and discuss the latest strategies and tactics with your peers and top-flight vendors.

2010 Program

Sunday, April 11, 2010

3:00–7:00 p.m.
Registration Desk Open

6:00–7:00 p.m.
Meet and Greet

Renew old acquaintances, make new connections. As our conference begins, come share a snack with other attendees, make dinner plans, and take the opportunity to discuss the issues important to you. Working through a challenging project? Have questions on important topics? Chances are another attendee has information you can use.

Monday, April 12, 2010

7:30 a.m.–6:00 p.m.
Registration Desk Open

7:30–8:30 a.m.
Continental Breakfast with Exhibitors

7:30–9:00 a.m.
Canadian Issues Breakfast
Sponsored by CANNEX Financial Exchanges LTC

This breakfast and interactive session will focus on current retirement income topics impacting the Canadian market and is open to all attendees interested in Canadian-specific issues. (Pre-register online or via the downloadable conference application form to attend this session.)

8:30–10:00 a.m.
General Session

Presiding: Roy Benjamin, FSA, MAAA,
Vice President and Actuary, Fidelity Investments

Will We Grow Old in the Dark? The Continuing Entitlement Crisis

Michael D. Tanner,
Senior Fellow, Cato Institute

Retirement financing will continue to be among the primary issues facing society. Public policy matters that can impact how, when or if someone will be able to retire include healthcare, taxation, and the role of public and private markets to meet those needs. Tanner will discuss current public policy and how it may support or inhibit both a healthy retirement and a healthy retirement industry.

10:00–10:30 a.m.
Refreshment Break with Exhibitors

10:30–11:45 a.m.
Concurrent Sessions (Select One)

1.1 Annuity Market Trends
Albert J. Dal Porto, FSA, MAAA, Senior Actuarial Advisor, Insurance & Actuarial Advisory Services Practice of Ernst & Young

Joseph Montminy, ASA, MAAA, Assistant Vice President, Retirement Research, LIMRA

Here’s your chance to learn about trends in individual fixed, variable, and indexed annuities. Our experts will review the dramatic changes that have occurred with living benefit riders and the impact on variable annuity sales. Sales projections will be provided, and recent product design changes, as well as upcoming product changes, will be reviewed.

1.2 Financial Crisis: Impact on Retirees and Financial Service Providers

Our panel will discuss how the economic crisis has impacted retirees, life insurance manufacturers, and distributors. Find out the degree to which retirees’ attitudes and behaviors have changed and steps that companies have taken to respond to these dramatic changes. The presentations will include information on: 

• Reducing cost while maintaining a competitive distribution structure.

• Responding to shifting consumer attitudes and behaviors.

• Growing agent capacity and productivity.

• Near-term sales stimulation.

1.3 Cracking the Code: What Advisors Need from YOU
Keith Hylind, CLU, ChFC, CRPS, Vice President, Retirement Income, OppenheimerFunds, Inc.

Firms spend countless hours and dollars trying to win the hearts, minds, and business of financial advisors. Yet despite the best efforts to provide robust tools and viable products, advisors have not fully embraced the retirement income market. Why not? In this session, we will interview financial advisors and candidly discuss their needs.

1.4 In-plan Guarantees: When Will They Finally Take Off?
Julia Lennox, Vice President, Retirement Products Marketing, MetLife

In-plan guarantees will be a force to reckon with, but when? A critical mass has not yet developed, and record keepers may hold the key. Participants need to be protected from extreme market fluctuations or they’ll put off retirement. Our panel of experts will share their views on the future of these retirement plan products and what it will take to break through.

11:45 a.m.–1:00 p.m.
Lunch with Exhibitors

1:00–2:15 p.m.
Concurrent Sessions (Select One)

2.1 Positive Psychology for Income Annuities: You Can Sell Them by the Billions!

Our experts are poised to discuss the amazing results they’ve experienced with a new retirement income platform that incorporates both immediate and deferred income annuities. You’ll hear about the:

• Sales concept.

• Actual results of the program.

• Distribution strategy.

• Specific approaches used to create widespread success.

2.2 Solving the Middle Market Retirement Puzzle

Due to the economic downturn, the middle market has saved little for retirement. What product solutions can address the challenge? This session will address: 

• Financial profiles of segments in this market.

• The role of home equity in savings.

• The challenge of disappearing defined benefit plans.

• Potential solutions with annuities and other products.

• The use of retirement planning software to help solve the retirement puzzle.

2.3 Great Expectations — Differing Realities: Participant and Advisor Viewpoints of Retirement
1.0 EA Non-Core Credit Hours

Join this session that will focus on the middle market’s differences and disconnects between expectations and realities when it comes to retirement. We will look at:

• The views of pre-retirees and retirees.

• Key findings of the SOA’s 2009 Risks and Process of Retirement Survey.

• Differences between expectations and reality.

• The lessons that pre-retirees can learn from the real experiences of retirees.

• The advisor viewpoint.

What you learn will help you:

• See how people view and manage retirement risks.

• Better align your clients’ expectations of retirement.

• Understand the mindset of your clients.

• Determine how to best provide education and advice to the large and growing middle market.

2.4 An Update on Capitol Hill Like You’ve Never Heard Before

This interactive, educational, AND entertaining session will show you what you need to know about the comings and goings in Washington. Crawford, a frequent keynote speaker, is a Washington lobbyist active in corporate governance, retirement security, and tax policy. He’ll bring a unique insider’s view on Congress and its impact on the retirement industry.

2:15–2:30 p.m.
Refreshment Break with Exhibitors

2:30–3:30 p.m.
Concurrent Sessions (Select One)

3.1 Annuity Legislative and Regulatory Challenges

Our speakers will give you an insider’s perspective of federal and state regulatory and legislative issues affecting the annuity market. Don’t miss this review of current issues as well as what is in store for the rest of 2010 and 2011, including suitability, agent fiduciary responsibility and regulatory reform.

3.2 January 2010 Is Finally Here — Annuity/LTC Combination Products

Craig R. Springfield, JD, Partner, Davis & Harman LLP

The annuity and long term care combination products allowed by the Pension Protection Act of 2006 are now a reality! Join us to: 

• Learn how these products work

• Discover the various designs currently offered in the market.

• Develop a better understanding of the tax treatment addressed by the PPA.

• Hear about Who’s Who in this expanding market.

3.3 Emerging Strategies to Tackle Retirement Income Needs

Standalone living benefits tools and technology are coming to the forefront. They offer new options for those investors headed toward, or are already in, retirement. Each has unique features and benefits – and financial advisors are taking notice. Session attendees will hear our industry experts provide their perspective and insight on these emerging solutions.

3.4 RIAs – TPAs: The Next Sales Frontier?

Expand your channel distribution strategies to include Registered Investment Advisors and Third Party Administrators.

• How should you work with them?

• What are their unique needs?

• What do they think about the retirement business?

• What are they looking for in a service provider?

3:30–4:00 p.m.
Refreshment Break with Exhibitors

4:00–5:00 p.m.
General Session

Credit Crunched: What Is the New Normal?

Paul Solman, Correspondent, The PBS NewsHour

What impact will the economic and financial crisis of the past 18 months have on future retirement policy? What are consumers thinking… and doing? Can the industry regain the trust of Americans and get them to soberly plan and manage retirement? Solman will offer his unique insight on retirement and the retirement industry’s future.

5:30–6:30 p.m.
Reception with Exhibitors

Tuesday, April 13, 2010

7:00–8:00 a.m.
Continental Breakfast with Exhibitors

8:00–9:00 a.m.
General Session

Where Do We Go from Here? Practical Solutions for Retirement Income

Baby Boomers – 78 million of them – are entering retirement in the upcoming years. And they need information on practical strategies to generate sustainable retirement income. The financial market turmoil and economic uncertainty have only added to the challenge. Join Egan as she shares her perspective on the products, services, and solutions that address key investor concerns and behavioral challenges and maximize the opportunity for a financially secure retirement.

9:00–9:30 a.m.
Refreshment Break and Raffle with Exhibitors

9:30–10:30 a.m.
Concurrent Sessions (Select One)

4.1 Positioning Annuity Products in the “New Normal”
Ann Farley, Assistant Vice President, Product Development, Pacific Life Insurance Company

In the past 18 months, new annuity products have been introduced by manufacturers. Lower-cost simple designs, bundled product/rider designs, and new income products are more prevalent. Will this trend continue, and what does it mean for clients? Don’t miss this opportunity to hear about trends in annuity product development and product positioning.

4.2 Cutting to the Chase: Strategy for Success
Rick Heil, Director of Standards, Insured Retirement Institute Insurance Company Representative TBA

Automation, standardization, and straight through processing are significant drivers in the strategic approach to achieving efficiency in annuity operations. Come take part in this overview of industry initiatives and learn how to become more efficient in annuity processing. You’ll hear ideas from a carrier on how they have achieved efficiency gains through the strategic implementation of technology.

4.3 Taxes Matter
Kevin O’Fee, Vice President, Strategic Initiatives, Lincoln Financial Group

TIPRA (Tax Increase Prevention and Reconciliation Act of 2005) is far more than a regulatory change that allows high income taxpayers to convert eligible assets to a Roth IRA. It also casts new light on retirement planning maxims that have gone unchallenged for decades. This session will discuss how the game-changing aspects of TIPRA will affect retirement strategies from tax deferral to asset allocation. The discussion will also provide insight into how high income retirees are spending their hard-earned retirement income. The results may surprise you.

4.4 Retirement Readiness… Education Alone Is Not the Answer
Karen Betts, Vice President, Marketing, AUL Retirement Services, a OneAmerica Company

Catherine Peterson, Senior Marketing Director, AllianceBernstein

Have we relied too much on traditional education methods to prepare participants for their retirement? What help does the next generation need to get ready for retirement? And what is our role as industry leaders? Join us and discuss this important topic.

10:30–10:45 a.m.
Break

10:45–11:45 a.m.
Concurrent Sessions (Select One)

5.1 The Ideal Annuity Portfolio Suite for Today and Tomorrow
Daniel Kruse, FSA, MAAA, JD, Second Vice President and Actuary, Securian Financial Group

If you could build a new, full suite of annuity products, what would you create to thrive in today’s market and prepare for new opportunities? Or, more realistically, where should you be moving with your current portfolio of products to meet the future? Come get a forward-looking vision of where current and new opportunities exist for the annuity industry.

5.2 Retirement Income Planning: What Really Happens with Advisors
Matthew Drinkwater, Ph.D., FLMI, AFSI, PCS, Associate Managing Director, Retirement Research, LIMRA

Are advisors equipped to provide retirement income planning that goes beyond accumulation-oriented techniques? Based on recent LIMRA research, we will examine advisors’ attitudes and behaviors around retirement income products, their planning practices, and what they are looking for in terms of training and support from companies. Also, hear advisors describe income planning techniques. 

5.3 Retirement 20/20: Envisioning the Future
EA Non-Core Credit

Cynthia Levering, ASA, EA, MAAA, Consultant

Retirement 20/20 is a broad-based strategic effort of the Society of Actuaries and its Pension Section to explore future retirement systems that could exist outside of the traditional DB/DC framework in both the United States and Canada. Attend this overview that places particular emphasis on lessons learned to date and the SOA’s current “Call for Models” contest to create new retirement systems for the future.

11:45 a.m.
Conference Adjourns

Registration Information

Register by March 17, 2010 and Save!  

• LIMRA, LOMA, SOA Member: $975

• Non-Member: $1,375

Register After March 17, 2010:

• LIMRA, LOMA, SOA Member: $1,075

• Non-Member: $1,475

Thank You to Our Exhibitors

	Broadridge is a leading provider of investor communication services for the Insurance and Financial Services Marketplace. We provide a wide array of document management services that include development and production services that span both traditional print and mail or electronic archival and e-delivery. Some of our products include statement processing, contract production facility outsourcing and a complete fulfillment operation including traditional pick-and-pack or print on demand. www.broadridge.com
	CANNEX – www.cannex.com – provides services to the retirement income marketplace to: Allow producers to obtain apples-to-apples SPIA comparative illustrations, specific to their clients, guaranteed by carriers. Provide unique analytical tools to explain SPIA benefits. Host carriers' Web-based SPIA illustrations Develop custom SPIA algorithms.
	Competiscan incentives our Insurance Producer, Consumer, and Business Owner panelists to collect and forward the direct mail and email they receive from Insurance Carriers and Financial Services providers.  Competiscan retrieves all of these direct marketing communications and places them into a centralized web-based portal. As the established market leader, our web-based search utility indexes each direct marketing communication allowing our clients to access specific direct marketing campaigns of interest. Competiscan’s comprehensive coverage is updated daily, and enables clients to react to competitors quickly.   With Competiscan, our clients are better informed to make their marketing campaigns even more effective. Visit us at  www.competiscan.com.
	Corporate Insight is the leading provider of competitive intelligence, analysis, and consulting services to the retail financial services industry.  CI monitors the top firms on an ongoing basis, communicating client and advisor experience and industry best practices. Its Monitor services and custom research cover annuities, brokerages, mutual funds, banking, and credit cards. Please visit www.corporateinsight.com.
The Internal Revenue Service Employee Plans	Internal Revenue Service, Tax Exempt & Government Entities Division, Employee Plans will provide information and publications on employee retirement plans.  Our professional staff will be available at the booth to answer your questions on employee retirement plans. www.irs.gov/ep
	LIDP Consulting Services, Inc., has served the life, health and annuity industry for over 30 years. The Administrator, from LIDP, provides policy administration, channel management, commissions and claims processing functionality. The Administrator is a 100% SOA enabled, real time, 24x7 solution for all individual, group, fixed, variable, equity indexed, annuity, life and health products. Visit us at www.lidp.com.
	Morningstar, Inc. is a leading provider of independent investment research. We offer unparalleled data quality and coverage of insurance contracts, subaccounts, and underlying funds. This information is available in products such as Morningstar DirectSM and Morningstar® EnCorr®. We provide investment advisory services through Morningstar Associates, LLC and Ibbotson Associates, Inc., both wholly owned subsidiaries of Morningstar, Inc. www.global.morningstar.com
	At NewRiver, our business is helping financial firms transition from paper to electronic disclosure – reducing compliance costs and risk while improving operations and increasing revenue.  Only NewRiver provides the capability to extract, organize, and maintain information by fund CUSIP from EDGAR at the share class level and provide the automated processes and human oversight to ensure QA on every document filing every business day.  We maintain a proprietary database that’s scalable and always up-to-date. NewRiver is your link to simplified investor disclosure. http://www1.newriver.com
	Sandard & Poor’s Financial Communications is a leading resource of Web-based and print investor education, as well as marketing and communications solutions for the financial services sector. We excel at combining relevant content with flexible delivery options to meet the changing needs of today's businesses. As part of The McGraw-Hill Companies, we leverage world-class content and data from Standard & Poor's, BusinessWeek, best-selling books from McGraw-Hill Professional, and more. Visit us at http://fc.standardandpoors.com
	With annual revenue exceeding $5 billion, SunGard is ranked 435 on the Fortune 500 and is the largest privately held business software and services company on the Forbes list of private businesses. Based on information compiled by Datamonitor*, SunGard is the third largest provider of business applications software after Oracle and SAP. Continuity, Insurance & Risk has recognized SunGard as service provider of the year an unprecedented five times.   *January 2009 Technology Vendors Financial Database Tracker http://www.datamonitor.com

Outstanding Venue

Renaissance Washington, DC Hotel
999 Ninth Street, NW
Washington, DC 20001
Phone: 202-898-9000
Reservations: 1-800–468-3571

Make your hotel reservations by March 17 using this link or by calling the reservations number and mentioning the group code “LimLima” to receive the low conference rate of $239 per night. A credit card is required to hold a room reservation. Cancellation must be made by 6:00 P.M. on the day of arrival to avoid penalty. Reservations received after March 17 will be accepted at the prevailing rate and on a space-available-only basis.

Continuing Education Credits
Conference sessions are eligible for CLU and ChFC continuing education credits. Additionally, some sessions may qualify for SOA Professional Development credit and/or SOA Enrolled Actuary core and non-core credits. Visit the SOA Web site at: http://www.soa.org for more information.

For More Information

LIMRA International
MaryJo Adams
(860) 285-7798
mjadams@limra.com

LOMA
James R. Huffman, FLMI, ACS
(770) 984-6446
insops@loma.org

Society of Actuaries
Jay Semla
(847) 706-3624
jsemla@soa.org

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