MANAGING THE RISK inherent in products with guarantees is high on the mind of insurers, discussions at a recent conference sponsored by Standard & Poor's suggests.

The issue surfaced several times during the conference titled, "Insurance 2004: Structuring for Success."

The potential for volatility will continue given the growth of living benefits, death benefits and no-lapse guarantees, and the fact that there is a limited track record of their use, said Kevin Ahem, an S&P director. "There is very little track record" of policyholder behavior concerning use and lapsation, he said.

For instance, Ahem added, the significant growth in universal life products is due, ...

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