id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fsr-3823	Pritchett , S. Travis	Incorporating Historical Investment Performance in Projecting Life Insurance Cash Values	1997	13	.pdf	application/pdf	5998	279	46	The major problem is that new contracts may be accompanied by sales illustrations where the maximum values reflect investment returns for new investments alone. Further standards regarding investment returns specify that recent historical experi- ence refers to rates being determined “on an entirely retrospective basis considering only assets to be supporting the block” (Actuarial Standards Board, 1995, p. 7).	cache/fsr-3823.pdf	txt/fsr-3823.txt