Essential Elements, a new series of concise and informative papers developed by the Academy, is designed to provide a quick and easy-to-understand overview of key public policy issues of interest to Academy members, policy makers and the general public. Each paper provides the important points and analysis, supplemented by graphics, so that the reader can quickly understand the issue and its significance to the public debate.

Topics in the Essential Elements series will include health, life, pension and property/casualty issues. Stay tuned as the Academy addresses additional public policy issues in the Essential Elements series in the weeks and months to come.

Risk Management

Insurance Capital Standards
Additional Resources

New Risk Regulators and Regulations

Additional Resources 


Plugging Holes in U.S. Flood Insurance
Terrorism Risk Insurance
Climate Change Health

Long Term Care Financing
What Drives the Growing Cost of Health Care?
Medicare's Long-Term Sustainability Challenge


Principle-based Reserving: A New Way to Insure for Life

Raising Social Security’s Retirement Age

The 80% Pension Funding Myth
Securing Social Security
Risk Management

Insurance Capital Standards