Podcasts about Soa

Olá, eu sou Leo Lopes e num oferecimento da Auphonic - seu piloto automático de áudio, está de volta o Pod Notícias, o podcast que traz até você um resumo de tudo o que acontece de mais importante no mercado de podcasts no Brasil e no mundo! Hoje é segunda-feira, dia 28 de setembro de 2026, e esta é a nossa 37ª edição! Jovem Nerd comemora 20 anos do Nerdcast com a primeira edição da Nerdcon Nós abrimos essa edição de retorno do Pod Notícias falando da Nerdcon, o evento realizado no domingo dia 20 de setembro, no Auditório Simon Bolívar do Memorial da América Latina, em São Paulo, para celebrar os 20 anos do Nerdcast, o podcast do Jovem Nerd criado em 2006 e considerado por muitos o mais importante da história do podcast no Brasil. O evento reuniu mais de mil pessoas, que puderam assistir a gravação de duas sessões ao vivo do Nerdcast com as participações dos seus criadores Alexandre Ottoni e Deive Pazos, e dos nerdcasters Katiucha Barcelos, Carlos Voltor, Sr. K, Tucano, Rex, Marcelo Bassoli e Didi Braguinha. O evento contou também com mesas de RPG organizadas pela editora Jambô, ativações do Jovem Nerd Sport Club e mesa de artistas como Randall Random e Fabio Yabu, além de expositores e apoiadores. Vinte anos depois de começar como um podcast entre amigos, o Nerdcast - que há 14 anos é editado pela Rádiofobia Podcast e Multimídia - se tornou referência em podcast no Brasil, segue atraindo um público fiel e engajado, e em breve passará a ser editado também em vídeo, algo que certamente irá marcar uma nova fase para o podcast nacional. Vida longa e próspera ao Nerdcast! Fonte: Redação Acast: "a discussão de formato já era" - e os números confirmam O relatório anual Podcast Pulse 2026, divulgado essa semana pela Acast, decreta que a queda de braço entre áudio e vídeo perdeu o sentido: 78% dos ouvintes já consomem podcast em dois ou mais formatos, e 88% intercalam áudio e vídeo dependendo do momento - contra só 10% que ficam exclusivamente no áudio. 63% inclusive começam um episódio num formato e terminam em outro, trocando de app no meio do caminho. Do lado da publicidade, a recomendação de marca feita pelo próprio apresentador de podcast foi a única fonte de confiança que cresceu entre os ouvintes (42%, alta de 9 pontos), enquanto jornalistas, youtubers e celebridades patinaram ou caíram. A conclusão do estudo resume bem o momento: não é mais o formato que define como a marca ganha atenção, é o contexto. Fonte: Acast / Podnews Vídeo muda a descoberta, não o consumo, avisa a Triton Digital Enquanto a Acast fala em fim da rivalidade de formatos, Sharon Taylor, diretora de receita da Triton Digital, fez uma distinção importante: o vídeo mudou a forma como a gente descobre podcast, não como a gente efetivamente consome. Segundo o relatório 2025 da Triton, 80% dos ouvintes mensais assistem E escutam, 13% ficam só no áudio e apenas 7% consomem exclusivamente vídeo - e esse público combinado não vem encolhendo. Um detalhe interessante é que os novos ouvintes são mais jovens, com idade média de 35 anos contra 43 dos veteranos, e cita rede social, como o TikTok, como fonte de descoberta nove vezes mais que o ouvinte antigo. A recomendação da Sharon Taylor pra quem produz é tratar vídeo como expansão, não como substituição - e evitar montar uma estrutura de produção paralela quando dá pra aproveitar um arquivo único com padrões como o HLS da Apple. Fonte: CastNews AINDA EM NOTÍCIAS DA SEMANA Apple confirma vídeo nas assinaturas do Podcasts - e a mudança é grande Na última quarta dia 23 de setembro a Apple anunciou que o Apple Podcasts Subscriptions vai passar a suportar vídeo, permitindo que quem assina ofereça episódio exclusivo em vídeo, versão sem anúncio, acesso antecipado e conteúdo bônus - tudo dentro da mesma assinatura, em mais de 170 países e regiões. A empresa está trabalhando com as plataformas de hospedagem parceiras pra colocar o recurso no ar, com mais detalhes prometidos pros próximos meses. É a maior das big techs de podcast dizendo, na prática, que vídeo dentro de assinatura paga deixou de ser experimento. Fonte: MacRumors Spotify Partner Program finalmente ganha data pro Brasil O Spotify confirmou que o Partner Program - que remunera criadores por consumo de vídeo de assinante Premium, além da publicidade no plano gratuito - chega ao Brasil em 20 de outubro. O critério de entrada é ter o podcast hospedado no Spotify for Creators, ter no mínimo 12 episódios publicados, 10 mil horas de consumo e 2 mil ouvintes únicos nos últimos 30 dias. Quem entra mantém 100% da receita de patrocínio próprio e ganha ferramentas pra trocar anúncios sem precisar reeditar o episódio. Segundo Camila Justo, head de podcasts do Spotify no Brasil, o país virou prioridade pela velocidade com que abraçou o vídeo. A ferramenta chega e permanece uma dúvida antiga: resta ver se esses critérios de elegibilidade não vão deixar de fora justamente quem mais precisa da grana. Fonte: CastNews Apple e Google lucram com apps que tiram anúncio de podcast O Podnews expôs que Apple e Google embolsam até 30% da receita de apps como o Podtastic, que cobra US$ 9,99 por mês pra remover anúncio de podcast automaticamente, direto no aparelho - inclusive falsificando o user-agent do Safari pra escapar de bloqueio de publisher. Como a remoção acontece no próprio dispositivo do ouvinte, hospedagem nenhuma consegue impedir isso tecnicamente. Nem Apple nem Google tiraram o app da loja até agora. Resumindo o incentivo: enquanto tiver comissão de loja envolvida, qualquer ética de plataforma vai sempre perder pra valor de acionista. Fonte: Podnews E MAIS Threads lança ferramentas dedicadas a podcast O Threads, do Meta, lançou nesta semana um pacote de recursos pensado direto pra quem produz podcast: dá pra conectar o feed RSS e o link do programa ao perfil, publicar com um botão dedicado que já mostra a capa do programa, destacar trechos usando transcrição e marcar convidados, além de acompanhar uma nova métrica de "cliques no podcast" no painel de estatísticas. Do lado de quem ouve, dá pra salvar episódio pra depois e receber notificação quando um programa seguido publica novidade. Segundo a plataforma, a ideia é virar vitrine de descoberta pra podcasts, não hospedagem - e isso é uma boa notícia pra quem já usa o Threads pra divulgar episódios e cortar clipes. Fonte: CastNews Gasto de anunciante de IA em podcast dispara 2.656% em um mês Dado da Magellan AI mostrado pela RAIN News: a Quince liderou o ranking de anunciantes de agosto com US$ 7,6 milhões, apostando pesado em comédia - mas o salto mais chamativo foi o da OpenAI, que foi de US$ 174 mil em julho pra US$ 4,8 milhões em agosto, alta de 2.656% em um único mês. É estimativa, não valor fechado, mas o tamanho do salto já entrega o recado: a empresa de IA descobriu o podcast como canal de mídia e tá pisando fundo! Fonte: RAIN News Bumper e Oxford Road se unem pra empurrar um placar único de mensuração A agência Oxford Road fechou parceria de divulgação com a Bumper pra promover o Bumper Score, uma nota de 0 a 200 que cruza dados de entrega do podcast, audiência verificada nos principais apps e quanto do episódio - incluindo o anúncio - o ouvinte realmente termina, somando áudio e YouTube num único número. Dan Granger, CEO da Oxford Road, resumiu bem o problema que o índice tenta resolver: "Confusão é ruim pros negócios; hoje a gente transforma o anunciante em detetive de CSI só pra entender se o anúncio dele funcionou". Mais uma tentativa de tirar padrão de mensuração da bagunça - o teste de verdade é ver quantos players do mercado realmente adotam. Fonte: Podnews HOJE NO GIRO SOBRE PESSOAS QUE FAZEM A MÍDIA Kevin Roose e Casey Newton deixam o New York Times pra criar programa na NPR Os criadores do Hard Fork, um dos podcasts de tecnologia mais ouvidos dos Estados Unidos, estão de saída do New York Times rumo à NPR, onde vão comandar um programa novo chamado Machine Gods, com estreia prevista pra outubro e exibição nas emissoras afiliadas da rede a partir do início de 2027. É o primeiro grande acordo assinado por Nadine Zylstra, a nova diretora de conteúdo da NPR, e vem em formato de vídeo - outro sinal de que até emissoras de rádio públicas já entraram de vez na disputa por talento de podcast. O anúncio deve ser detalhado por Zylstra e pela CEO da NPR, Katherine Maher, durante o IAB Podcast Upfront, que acontece nesta semana dentro da Podcast Week em Nova York. Fonte: Podnews AntiCast volta ao ar - com Ivan Mizanzuk e time praticamente novo Depois de permanecer fora do ar desde a saída de Rafael Ancara e Marcos Beccari, o AntiCast retomou nesta semana com o episódio 524, "[re:] Black Mirror S01E01", estreando um time novo ao lado de Ivan Mizanzuk: Marcel Mosby, Lídia Zuin e Marcio Krauss embarcam pra rever a série do zero, episódio por episódio. O Ivan Mizanzuk também aproveitou pra avisar que o Projeto Humanos muda de formato: a nova temporada será feita de forma independente, assim como foram temporadas memoráveis - tipo o Caso Evandro. O lado bom dessa mudança é um retorno às origens, fazendo do jeito que todo mundo conheceu lá no começo: sem limite de episódios, sem pressão e exigências de cronograma de canais, prezando sempre pela excelência em pesquisa, verificação e narrativa. O lado ruim é que vai levar mais tempo e demandar mais custos, então pra tentar mitigar esse ponto o Ivan criou um site de apoio para o Projeto Humanos e para o Anticast, que pode ser feito com um apoio fixo de R$19,99 por mês ou através de doações livres via PIX. Quem quiser se tornar um apoiador é só acessar o site em https://apoio.mizanzuk.com/. Fonte: AntiCast (Apple Podcasts) SOBRE LANÇAMENTOS Vozes e Territórios estreia contando a economia solidária dos terreiros no Rio Grande do Sul Estreou na última quinta-feira dia 24 o Vozes e Territórios, produzido pelo Instituto Cultural Padre Josimo com apoio do Ministério da Igualdade Racial e coprodução do Brasil de Fato RS. Apresentada pela Iyá Vera Soares, a série terá 12 episódios semanais, sempre às quintas às 19h, e abordará temas como visão de mundo africana, saúde pública, ervas medicinais, economia solidária, cooperativismo negro, cultura ancestral e educação de matriz africana. No episódio de estreia, a educadora Gil Neves fala sobre economia solidária nos terreiros, segurança alimentar e autonomia econômica das mulheres negras. É produção regional, de nicho e com financiamento público - o tipo de lançamento que não faz ruído nacional, mas mostra bem a diversidade de quem hoje está produzindo podcast no Brasil, e certamente merece a sua audiência. Fonte: CastNews Este episódio conta com o apoio da Auphonic. Todo podcaster já passou por aquela gravação em que praticamente tudo dá errado, né? Uma voz mais alta, outra mais baixa, eco da sala, chiado de fundo, "éééé", pigarro e aquelas pausas longas que parecem não acabar nunca. Soa familiar? É aí que entra a Auphonic, o seu piloto automático de áudio, que já ajuda mais de 2 milhões de pessoas no mundo inteiro. Ela não só melhora o seu áudio, ela salva a sua gravação, resolvendo problema por problema. O nivelamento adaptativo equilibra todas as vozes. A redução de ruído e de reverberação dá um jeito na acústica da sua sala. A equalização automática molda o seu som, os vícios de linguagem e os silêncios são cortados automaticamente, e a meta de loudness definida com um clique deixa o episódio pronto pra qualquer plataforma. Tudo isso funciona tanto pra áudio quanto pra vídeo. E não para por aí. Reconhecimento de voz e transcrição, edição multipistas e legendas automáticas estão disponíveis em todos os planos, inclusive no gratuito. Ele te dá 2 horas de tratamento de áudio por mês, sem restringir nenhuma função. Da gravação bagunçada ao episódio com qualidade de estúdio, com um clique. Mas não acredite em mim! Acesse agora auphonic.com, crie sua conta gratuita e ouça você mesmo a diferença em poucos minutos! O Pod Notícias também conta com o apoio da HostGator, um dos melhores serviços de hospedagem do mundo, onde nós hospedamos o nosso site e que dá para o nosso ouvinte até 83% de desconto em planos de hospedagem, além de contar gratuitamente com a rede global da CDN Cloudflare, que tem benefícios insuperáveis e podem ser ativados em um clique em todos os planos. Garanta já seu desconto acessando podnoticias.com.br e clicando no banner que fica no rodapé da página ou em qualquer postagem individual. Se você, assim como a HostGator e a Content Academy, quiser anunciar a sua marca, produto ou serviço com a gente aqui no Pod Notícias – tanto no podcast como no nosso site – e atingir um público qualificado que se interessa pelo podcast aqui no Brasil, manda um e-mail pro contato@podnoticias.com.br, que nós vamos ter o maior prazer em conversar com você sobre as nossas opções de publicidade. E caso você queira colaborar com o Pod Notícias com texto, sugestão de pauta ou envio de notícias, também vai ser muito bem-vindo e pode fazer isso através do mesmo e-mail. E assim a gente fecha esta 37ª edição do Pod Notícias. Acesse podnoticias.com.br pra ter acesso à transcrição e os links das fontes de todas as notícias deste episódio! Acompanhe o Pod Notícias diariamente no Instagram em @pod.noticias e ouça o Pod Notícias no seu agregador de podcast preferido. O Pod Notícias é um podcast original da Rádiofobia Podcast e Multimídia produzido por mim, Leo Lopes, e publicado pela Rádiofobia Podcast Network, que conta com a colaboração de Camila Nogueira na arte. Obrigado pela sua audiência e até o próximo episódio! Ouça o Pod Notícias nos principais agregadores:- Spotify- Apple Podcasts- Deezer- Amazon Music- PocketCasts Publicidade:Entre em contato e saiba como anunciar sua marca, produto ou serviço no Pod Notícias.See omnystudio.com/listener for privacy information.

Theo Rossi is an actor who starred as Juan Carlos "Juice" Ortiz on Sons of Anarchy, Shades Alvarez in Luke Cage, and roles in Emily the Criminal, The Penguin, and Netflix's massive film, Carry-On. In this full interview, Theo talks about his years with the crew, favorite roles, the new sons of anarchy spinoff "Legends", and his newest film "Come With Me" which I saw, GO CHECK IT OUT!   WATCH THE VIDEO PODCAST HERE: https://youtu.be/mW8hrGifneg     ▼ CHECK OUT MY OTHER SOCIALS ▼ Instagram: http://instagram.com/thejoe Instagram Podcast: http://instagram.com/thejoevulpispodcast Facebook: http://facebook.com/ughitsjoe TikTok: https://tiktok.com/@ughitsjoe Snapchat : https://snapchat.com/@thejosephv Twitter: https://x.com/ughitsjoe   Welcome to THE JOE VULPIS PODCAST official YouTube channel! Hosted by Joe Vulpis, also known as "Ugh It's Joe" and "The Joe". My guests range from rockstars and actors, to hit reality show stars and the largest influencers on the planet. Joe achieved internet notoriety with his unique witty Vlog style videos and passion for food. Amassing a total of more than 3,000,000 followers across social platforms, 500,000,000 Youtube views across his channels, and averages more than 100 million monthly views across all socials!   GHOST TAGS: Theo Rossi, Theo Rossi interview, Theo Rossi podcast, Theo Rossi full interview, Sons of Anarchy, Sons of Anarchy interview, Juice Ortiz, Juice Sons of Anarchy, Juan Carlos Ortiz, Jax Teller, Charlie Hunnam, Jax and Juice, SAMCRO, Kurt Sutter, Sons of Anarchy cast, Sons of Anarchy behind the scenes, SOA, Luke Cage, Shades Alvarez, Emily the Criminal, The Penguin, Carry-On, Theo Rossi Sons of Anarchy, Joe Vulpis Podcast

Salesforce's next growth opportunity may come from customers spending less time in its interface—and having agents do more of the work.Coming out of Dreamforce 2026, we believe that is the shift worth exploring. The progression from command lines to graphical interfaces, browsers and mobile is entering another phase: an agent can generate an interface around the task, inside Claude, Slack or another client. The customer no longer has to start with the application's screen. The starting point becomes a customer outcome.But generating an interface is not the same as understanding the business. That is where our System of Intelligence (SoI) framework comes in. The system of engagement (SoE) connects people and agents. The system of intelligence supplies the business context. And the system of agency (SoA) turns that understanding into action. Salesforce's larger ambition is to connect these elements through what it calls an enterprise AI harness: the data, business knowledge, workflows and controls that let models do useful work across systems. This goes well beyond answering questions.The customer evidence from our good friends at Qualitate, suggests an exciting opportunity…but the data also shows a company in transition. Qualitate's latest channel checks find that most organizations interviewed remain in Agentforce pilots or proofs of concept. Yet among customers who have modeled or experienced the financial impact of headless access, 75% expect Salesforce spending to increase—not decline. Working outside Salesforce's interface could actually mean doing more work on its platform.That creates both an opportunity and a challenge. More consumption can generate more revenue, but it does not automatically generate more customer value. Pricing must make sense as pilots scale. And if customers increasingly work through their preferred AI environment, Salesforce must demonstrate why its business context and execution capabilities remain an essential underpinning of the customer experience. The point is, the interface can move elsewhere, meaning the next purchase may not automatically stay within Salesforce.Welcome to Breaking Analysis #327. Salesforce After Dreamforce…How $CRM (the company) can grow beyond it's own interface. In this episode, George Gilbert joins us to map Salesforce's post-Dreamforce direction into our System of Intelligence framework. We combine his firsthand observations with new Qualitate customer research to examine headless access, Agentforce maturity, competition from AI-native agents, and the changing relationship between pricing and business outcomes.

This week, the SOA crew is beyond excited to welcome Joe Magistro to the show! Joe talks about his time working with The Crowes, Rich Robinson's solo band and The Magpie Salute, as well as his current projects, including continued touring with Mercury Rev. It's one you've been waiting for...don't miss it!

Pilda Leul si Boul"Leul și cu Boul, ambii în putere,Îmboldiți de sete, au mers la o bere.Şi-așteptând lichidul rece și-nspumat,Iaca telefonul sună apucat..."- Da! raspunse Leul. Dragă, vin acum.Mă-ntâlnii cu Boul și vorbim în drum.Sigur! Merg la piață, cumpăr zarzavat,Iau și doua pulpe-spate de mânzat.Plătesc eu și rata, fiindcă tot e-n drum.Nu întârzii, dragă ! Sigur! Vin acum!Să-mbraci leișorii, să-i scot la plimbare,Cât timp tu, iubito, o să faci mâncare."Nici nu-ncheie bine astă convorbire,Că Boul, alături, își ieși din fire:"- Ți se spune Rege peste animaleȘi asculți de vorba soțioarei tale?Toți se tem de tine. Te dai fioros...Da-n fața nevestii, un cuvânt n-ai scos.Eu sunt bun de rege peste mari și miciȘi ca drept dovadă, fii atent aici..."Boul apelează și-ncepe-a mugi:"- Fă, fire-ai a dracu', scapă de copii.Du-i la mă-ta, vinde-i, fă-i salată "bef",Că-s la bautură și-o să vin cu chef.Să coseşti fâneața și să-mi faci platouCu flori de cicoare și de ochi de bou.Să m-aștepți cu iarba caldă în tigaieC-altfel, fă nevastă, te rup în bătaie ."Și închide , Boul."- Ei? Ce zici, frațică?Șpilu-i ca femeia să-ți știe de frică ...Fără "sigur, dragă ", fără "da, iubito"...Cum mi-a întors vorba, am cotongit-o."Leul își bea berea și zâmbind la Bou:"- Frate, fiecare cu norocul său...Soața ta te-ascultă orice-ai poruncit...Ce să zic, frațică ... Ești un fericit..."Și-n timp ce achită berea la hangioaică:"- Dar a ta e Vacă ... A mea e LEOAICĂ ."MORALA 1Și se duse Leul la bârlogul săuIar Boul de veacuri, a rămas tot bou.Fiindcă o fi Vaca bună și blajină,Însă doar LEOAICA poate fi regină.MORALA 2Pentru toți bărbații care se cred lei,Dar și-ar vrea consoarta, mama de viței :Dacă tot vă place să vă dați smardoi,Luati-vă LEOAICE... sau rămâneți Boi....!MORALA 3 Pentru o Leoaică, toți boii nu fac cât un Leu!

In The Money Media's Harness Players' Podcast is back with an in-depth look at International Trot 2026, a $1-million Grade 1 harness racing event that serves as the highlight of the Saturday (Sept. 12) card of horse racing at Yonkers Raceway!This year's edition attracts competitors from seven countries to go the 1-1/4-mile distance over the New York half-mile track. America will be represented by Super Chapter, runner-up in Hambletonian 2025 last year and a current standout among the older trotting ranks in North America. Canada's representative Lexus Kody, winner of International Trot 2025, returns to defend his title while Sweden has a four-pronged contingent including a pair that have campaigned in North America in Antongoni S for Ron Burke and Bourbonista S for Marcus Melander. Diva EK, who finished sixth in Elitloppet 2026 behind Allegiant, returns from a runner-up finish in last year's International Trot to represent Italy while Powwow, last year's third-place finisher, hoists the flag for Norway again. Gio Cash wears the badge for Germany and seeks revenge after being locked in the pocket in last year's International Trot, settling for fourth. Hooker Berry, winner of Prix d'Amerique 2023, earned an invitation to the race to represent France and Mellby Jinx is the last of the representatives for Sweden.The International Trot card also features $2.4 million in purses for the New York Sire Stakes championships as well as great betting opportunities including a $100,000 guarantee in the $1 Pick 5 beginning in Race 5 and a $25,000 guarantee in the $3 Pick 3 starting in Race 6. The Pick 5 pool is bolstered by a $25,000 seed courtesy of the SOA of NY, which essentially works as a $25,000 carryover into the pool. The Pick 3 also features a $10,000 seed, giving horseplayers free money to play into while reducing the effective takeout of these wagers on the marquee events. Learn more about New Yorkers for Harness Racing: https://www.newyorkersforharnessracing.com/

How can actuaries assess mortality and morbidity risk when historical experience may no longer fully reflect a changing climate environment? In this episode of the Research Insights Podcast, Dale Hall, Managing Director of Research at the Society of Actuaries Research Institute, welcomes Carlos Arocha, FSA, SCR, and Jérôme Crugnola-Humbert, SAV, IA, authors of the report Quantifying Mortality and Morbidity Impacts from Climate Risks: A Practical Framework for Decision-Making. Carlos and Jérôme discuss how climate hazards, population exposure and vulnerability can translate into life and health outcomes and ultimately affect actuarial decision-making. They explore why historical mortality and morbidity data alone may be insufficient in a changing risk environment, how climate-related variables can be incorporated into mortality modeling, and what a case study examining France, Italy and Spain can teach actuaries about interpreting forward-looking scenarios. The conversation also examines the "streetlight effect" and the "quantitative fallacy," along with practical considerations for life and health insurers seeking to better understand and prepare for climate-related risks. Listen to the episode and explore the full report, accompanying actuarial toolkit, and additional research from the Society of Actuaries Research Institute by visiting SOA.org and navigating to the Catastrophe & Climate research area. Read the Report:  https://www.soa.org/resources/research-reports/2026/climate-mortality-morbidity-framework/

This week on SOA, we celebrate the 10th anniversary of the Rich Robinson & Friends Woodstock Sessions that gave birth to the Magpie Salute! We sit down for a great conversation with filmmaker Matt Sterling, whose 10th anniversary retrospective of that wonderful Woodstock weekend, "Ten Years Gone," gives fans a true insiders look into that momentous occasion. It's a great conversation you won't want to miss a minute of!

In this episode of the Research Insights Podcast, Lisa Schilling, Director of Practice Research at the Society of Actuaries Research Institute, speaks with Dr. Rob Lieberthal, lead author of Evaluating Representativeness in Healthcare Claims Data: A Framework for Representativeness-Based Fairness in Actuarial Applications of AI. Their discussion explores why strong overall model performance does not necessarily mean an AI or machine learning model performs equitably across populations. Dr. Lieberthal explains how gaps in healthcare claims data can affect rural, lower-income, underdiagnosed, and other populations—and why actuaries should examine representativeness before relying on model results. Listeners will learn about the report's three-stage bias assessment covering input bias, model bias, and application bias; examples involving geographic representation, missing data, and intersectionality; and practical approaches for evaluating subgroup performance. The episode also highlights the companion Model Card Generator and Decision Assist Tool, which are designed to help actuaries document model limitations, compare model alternatives, and apply professional judgment throughout the modeling process. Explore the full research report and companion resources through the Society of Actuaries Research Institute at SOA.org, and discover practical ways to strengthen fairness, transparency, and informed decision-making in actuarial applications of AI. https://www.soa.org/resources/research-reports/2026/dei127-represent-hc-data/

This week on SOA, we welcome guest Ed Jurdi to discuss his main gig Band of Heathens, his time with Trigger Hippy and his long-standing appreciation of all things Black Crowes! Check it out!

El mejor análisis del Celta, del Celta Fortuna y del mercado de fichajes con José Valtierra. Además con intervención sorpresa. Charlamos con María Soa de Fillas de Cassandra y Xaquín de The Rapants sobre el concierto del próximo día 16 en el vigués Auditorio de Castrelos, en el que también participarán Eladio y los Seres Queridos.

The R4 and SOA crew meets up in Indy to see the Black Crowes, and have a meet and greet with the Robinson Brothers.  Here we introduce our listeners to the Illinois Drifter podcast to recap our experience.  Please check it out, follow and interact with our friend Justin Conn.  Rock On!Theme music by The Steepwater Band.  Follow them @steepwaterbandWebsite: https://ridiculousrockrecordreviews.buzzsprout.comContact us! e-mail: ridiculousrockrecords@gmail.comFacebook: https://www.facebook.com/R4podcastTwitter/X: @r4podcasterInstagram: https://www.instagram.com/r4podcaster/

This week, SOA celebrates the 30th anniversary of Three Snakes and One Charm! We discuss the album proper, b-sides, the ensuing tour and the potential box set reissue! It's a lot of fun you don't want to miss!

The full SOA crew sits down to discuss the infamous 2006 Summer Tour to commemorate its 20th anniversary! Check it out!

The SOA is evolving – and so is the way members connect. This episode explores the shift from the traditional SOA Section model to a new community engagement approach, unpacking what it means for members across the organization and, in particular, for those in the Life and Annuity space. Whether you've been an SOA member for decades or are just getting started, tune in to hear how this change opens up new ways to collaborate, grow, and shape the profession. Host Ryan Kiefer, ASA, MAAA speaks with guests Ryan Holt, FSA, MAAA and Kelly Rabin, FSA, MAAA Relevant Links:  Introducing SOA Communities Life and Annuities Community      

Die letzte Vorlesungswoche neigt sich dem Ende zu und die Klausurenphase steht vor der Tür, aber gedanklich träumen wir uns in einen Sommer ohne Verpflichtungen.

Denny Lee is PM Director, Startups & Ecosystem at Databricks, a longtime Apache Spark, MLflow, and Delta Lake contributor — and one of the people behind Omnigent, the open-source meta-harness Databricks just released under Apache 2.0. He joins Demetrios to explain why the industry is moving from models to harnesses to meta-harnesses, why token spend is replaying the CapEx-to-OpEx shift all over again, and why he's using debating AI agents to plan a matcha farm in Taiwan.In this episode:

It's a very special week here on SOA as we sit down with none other than Warren Haynes! We discuss his latest project, "Dreams & Songs," the early days of Gov't Mule and his three-decade relationship with The Crowes. It's a great conversation you won't want to miss!

In this episode of The Longevity Brief with Siegel and Clark, Steve Siegel and Kara Clark share a practical roundup of what is new across the Society of Actuaries Research Institute's Aging & Retirement and Mortality & Longevity Strategic Research Programs. Steve Siegel, longtime SOA leader and contributor, provides updates from Aging & Retirement, including the 2024 Retirement Risk Survey Series, upcoming research launches, open calls, volunteer opportunities, and recent media or social mentions. Kara Clark highlights the latest from Mortality & Longevity, including the essay collection on obesity and its impact on mortality, upcoming launches, open requests for proposals, volunteer opportunities, and other key developments. Listeners will also hear about current opportunities related to AI and large language model tools in retirement, long-term services and supports, macroeconomic indicators for mortality forecasting, and population-to-insured mortality translation. Tune in for a concise briefing on the research, tools, and opportunities shaping longevity, retirement, and mortality work.

SOA's Smash or Trash is back for another installment! This time, we're joined by our dear friend and R4 Podcast compatriate Lou Fugaro for his take on a playlist specially curated by Ian and Producer Jason. How will Lou fare? Tune in to find out!

This week, SOA is thrilled to welcome Tony Leone to the program! Before his current gig as drummer for the renown Little Feat, Tony was a member of both Chris Robinson Brotherhood and As The Crow Flies. We talk about all these things and more during our conversation...you definitely don't want to miss it!

IUL gets pitched to young professionals, families, business owners, retirees, and pretty much everyone in between. The message is always consistent: this product can solve your financial problems, provide market upside with downside protection, and generate tax-free retirement income. One product, all things to all people. For most people, IUL is the wrong tool entirely. Not because it's fraudulent. Not because it can't work for anyone. But because there's a fundamental mismatch between how it's sold and who it actually serves. And that mismatch shows up in the data.  https://youtu.be/fZS1uPmsCS0 According to a 2021 study by Gottlieb and Smetters, published in the American Economic Review (1) and drawing on SOA and LIMRA persistency data, nearly 88% of universal life policies never pay a death benefit. That figure covers all universal life products, including IUL.  And IUL was built specifically to fix the lapse problems of earlier UL products. It hasn't. The chassis is the problem. This article is a profile-by-profile look at the people who should not buy an IUL, the data that supports why, and a fair look at the narrow group for whom it might make sense. We're not taking sides. We're giving you the information you need to make a decision that actually fits your life. Key Takeaways:What IUL Actually Is, and Why the Chassis MattersThe One-Year Renewable Term ProblemWho Should Not Buy an IUL PolicyAnyone who hasn't mastered the financial basicsAnyone who needs guarantees and predictabilityAnyone practicing or planning Infinite BankingAnyone without a high, stable, long-term incomeAnyone who cannot handle the lapse riskAnyone who misunderstands what market risk means in an IULAnyone building a multi-generational legacyThe Data Nobody Shows You Before You SignThe Headline NumbersA Pattern That Keeps RepeatingTo Be Fair: Who IUL Actually ServesThe Right Buyer ProfileThe Alternative Built for the Rest of UsWhy Endowment MattersThe Reduced Paid-Up Safety NetBehavioral FitThe Decision Is Yours: Make It With the Full PictureBook a Strategy CallFrequently Asked QuestionsWho should not buy an IUL policy?Is IUL worth it for most people?What is the lapse rate for IUL policies?Who is IUL actually designed for?What is the difference between IUL and whole life for banking purposes?Can I use IUL for Infinite Banking? Key Takeaways: IUL is built on a one-year renewable term chassis, meaning internal insurance costs rise every single year as the policyholder ages Nearly 88% of universal life policies (including IUL) never pay a death benefit, with 57% of permanent policies (particularly universal life) lapsing in the first 10 years IUL cannot endow and cannot be converted to reduced paid-up status, meaning premiums are required indefinitely The product demands a level of behavioral consistency over 30 to 40 years that most people, including the most disciplined, cannot sustain IUL is not compatible with Infinite Banking because it lacks the guaranteed, predictable cash value growth the strategy requires The narrow group IUL actually serves is sophisticated, high-net-worth individuals using it specifically for estate planning leverage What IUL Actually Is, and Why the Chassis Matters Indexed universal life insurance is a form of permanent life insurance where cash value growth is linked to a market index, typically the S&P 500.  The policyholder isn't actually invested in the market. The insurance company credits growth based on index performance, subject to a cap (the maximum you can earn) and a floor (usually 0%). You participate in some of the upside. You're protected from direct index losses. That's the pitch. The One-Year Renewable Term Problem The structural reality is different from the marketing version. Unlike whole life insurance, which spreads insurance costs evenly across a lifetime so the premium never changes, IUL is built on a one-year renewable term chassis. That means the cost of insurance increases every single year as the insured ages. In the early years, you barely notice. Over decades, and especially in retirement, it becomes a serious structural pressure on the policy's cash value. The flexible premium feature, often marketed as a benefit, is part of the same structural reality. Flexibility sounds good. But it means the policy requires ongoing management and can deteriorate if premiums are reduced or skipped.  The policy doesn't just sit there working for you. It demands attention, funding, and active monitoring year after year. For a deeper look at the structural risks, internal charges, and illustration problems with IUL, see our posts on the dangerous truths about IUL risks and Todd Langford's analysis of IUL math. Who Should Not Buy an IUL Policy This is the core question. Not "is IUL good or bad?" but "is the person buying it actually a match for what the product demands?" Seven profiles. If you recognize yourself in any of them, that's information worth taking seriously. Anyone who hasn't mastered the financial basics IUL is an advanced financial product. It should not be anyone's first or second financial move. Before using a structure that combines insurance, investing, and tax planning, a person needs the basics in place: spending less than they earn, building consistent positive cash flow, and saving habitually. Parkinson's Law, the tendency for expenses to rise to meet income at every level, is real. IUL does not fix a cash flow problem. It adds complexity on top of one. If you haven't overcome the basic discipline of keeping your income above your expenses and putting the gap into savings, a complex product isn't a solution. It's a distraction from the actual problem. Anyone who needs guarantees and predictability If you need to know with certainty what your policy will be worth in 10, 20, or 30 years, IUL cannot give you that. There is no guaranteed cash value dollar amount in an IUL. The crediting depends on index performance, caps that can change annually, and internal costs that increase over time. If your financial planning requires a predictable future asset base for retirement, a major capital need, or a legacy strategy, a product built on variables is the wrong foundation. The middle class, upper middle class, and anyone with fluctuating income fall into this category. And that's most people. Anyone practicing or planning Infinite Banking IUL is actively marketed as a vehicle for Infinite Banking. It is not.  Infinite Banking requires a pool of capital that is predictable, guaranteed, and always growing. The arbitrage that makes policy loans powerful, earning in two places at once, only works when the policy's growth is reliable. In a year where the index earns zero, a policy loan doesn't just cost the loan interest. It costs the loan interest with no offsetting policy growth.  The banking system breaks down exactly when it should be working hardest. For a full breakdown, see our post on why IUL is incompatible with Infinite Banking. Anyone without a high, stable, long-term income IUL requires consistent, maximum funding over a very long time horizon to have any chance of performing as illustrated. Life disruptions like job changes, business downturns, family expenses, and medical costs interrupt premium payments. And because the policy relies on the index to help fund its own rising costs, any gap in funding creates a cascade effect that's very difficult to reverse. Even Nelson Nash, the creator of Infinite Banking, once missed funding PUAs on one of his own policies, causing the rider to close. If the creator of the strategy had trouble keeping up with premiums, the expectation that ordinary policyholders will fund an IUL perfectly for 30 to 40 years is unrealistic. Anyone who cannot handle the lapse risk Nearly 88% of universal life policies never pay a death benefit, and IUL is part of that picture. That number should stop anyone from considering this product and make them ask: why?  The answer is structural. Rising internal costs, non-guaranteed crediting, and the behavioral reality of managing a complex financial product over decades. And lapsing isn't just losing the policy. When a policy lapses with outstanding loans and cash value above the cost basis (the total premiums paid), the gain is treated as taxable ordinary income in the year of lapse. That tax bill arrives at the worst possible time, often in retirement, when income is fixed and absorbing it is most painful. Anyone who misunderstands what market risk means in an IUL Many buyers hear "zero is your floor" and believe their money is protected from losses. This is technically true and practically misleading. The 0% floor only protects against index-linked losses. It does not protect against the internal drag of rising mortality costs, administrative fees, and hedging strategy expenses, all of which continue to come out of the cash value regardless of what the index does. A zero-credit year is effectively a negative year once internal charges are factored in. And when markets perform poorly over multiple years, the insurance company's cost of maintaining those hedges rises. They respond by lowering caps. Lower caps mean less upside potential. This cycle of poor performance, higher hedge costs, and lower caps compounds over time. Anyone building a multi-generational legacy Legacy planning requires certainty across decades and generations. A policy that cannot endow, cannot be converted to reduced paid-up status, and requires active management indefinitely is not a reliable foundation for generational wealth transfer. Whole life policies endow at age 120 or 121. The cash value and death benefit converge, and the policy is contractually complete. IUL policies do not endow. Premiums are required for as long as the insured lives. There is no actuarial endpoint.  ...

The Young Professional Advisory Council's Ben Tolzmann sits down with Doug Norris of the SOA's fellowship education department to discuss the recent changes to the FSA pathway and how the transition has been going through 2 exam cycles.

This week on SOA, we take a moment to commemorate the 25th anniversary of one of The Black Crowes' most divisive albums, "Lions!" We chat a bit about what led up to the album as well as the ensuing tour, then we get to one of our favorite exercises: reimagining the album! It's a celebration you won't want to miss!

This week, SOA is proud to welcome Colin & John-Angus MacDonald of The Trews! We sit down with the guys to discuss their two decade-plus career, including their ongoing relationship with The Crowes universe. It's a really great chat you won't want to miss!

In this episode of the Society of Actuaries Research Insights Podcast, Dale Hall, Managing Director of Research at the SOA Research Institute, speaks with the winning team of the 2026 Student Research Case Study Challenge from the University of New South Wales in Kensington, Australia: Vihaan Jain, Sarina Truong, Carol Zhang, Liya Ruan and Alan Steny. They are joined by Lisa Schilling, Director of Practice Research, who shares perspective on the development and coordination of the annual challenge. The conversation highlights how the winning team formed, what they learned from the experience, how they balanced the challenge with coursework and how they navigated the rigor of the competition. Listeners will also hear advice for future participants and gain insight into the volunteer-led effort behind the Student Research Case Study Challenge. Learn more about the SOA Research Institute's Student Research Case Study Challenge by visiting SOA.org, navigating to the Research Institute section and selecting Research Opportunities. There, listeners can explore finalist papers, participating teams, submissions and challenge materials.

This episode of the Society of Actuaries' Professional Development Edge podcast features Dave Dillon, Senior Vice President and Principal at Lewis & Ellis; entrepreneur and founder of Cost Plus Drugs, Mark Cuban; and Jon Forster, the SOA's Director of PD Learning and Content Design. Together, they explore entrepreneurship, artificial intelligence, and the evolving healthcare landscape. The conversations move from what it takes to be successful in business, the current healthcare landscape, and the state of AI in Actuarial work.  Mark shares the origin and mission behind Cost Plus Drugs, underscoring the critical role of price transparency and trust in improving healthcare access and affordability. Listeners will gain practical insights and forward-looking perspectives relevant to actuaries, business leaders, and anyone interested in the future of healthcare and innovation. Contributors: Mark Cuban; Dave Dillon, FSA, FCA, MAAA; Jon Forster, ASA, MAAA

In this episode of the Society of Actuaries Research Insights Podcast, Dale Hall, Managing Director of Research at the SOA Research Institute, is joined by Geralyn Trujillo, Senior Director of Public Policy at the American Academy of Actuaries, for a recap of the 2026 NAIC Spring Meeting held in San Diego, March 22–25. Together, they discuss key highlights from the meeting and share insights from the SOA Research Institute's updates to NAIC committees, including experience studies, practice research, emerging risks, healthcare and long-term care topics, climate and weather-related research, and developments related to artificial intelligence and AI risk management. To explore additional highlights from recent NAIC meetings and other SOA Research Institute publications, visit SOA.org and review the Select Articles from SOA e-Newsletters page. Send us your feedback at ResearchInsights@soa.org

Em 1941, a Alemanha parecia invencível… até decidir lutar em todas as frentes ao mesmo tempo. O resultado não veio de uma grande derrota, mas do acúmulo de pequenas falhas. Soa familiar? No Cafezinho 721, a gente fala sobre esse impulso moderno de querer resolver tudo, agora, e o custo silencioso disso. Não é sobre priorizar melhor. É sobre aceitar limites, escolher batalhas e aprender a conviver com o inacabado. Porque o problema não é não dar conta de tudo… é achar que você deveria dar.See omnystudio.com/listener for privacy information.

Em 1941, a Alemanha parecia invencível… até decidir lutar em todas as frentes ao mesmo tempo. O resultado não veio de uma grande derrota, mas do acúmulo de pequenas falhas. Soa familiar? No Cafezinho 721, a gente fala sobre esse impulso moderno de querer resolver tudo, agora, e o custo silencioso disso. Não é sobre priorizar melhor. É sobre aceitar limites, escolher batalhas e aprender a conviver com o inacabado. Porque o problema não é não dar conta de tudo… é achar que você deveria dar.See omnystudio.com/listener for privacy information.See omnystudio.com/listener for privacy information.

Join us for a discussion about the SOA and why you should care about the SOA, its purpose, and its strategic plan! In this episode of the Young Professional Advisory Council podcast, YPAC member Carolyn Ellis and guest Gabi Dieguez, SOA board member, discuss the SOA as a professional organization, the roles of employees, members, and volunteers, and dive deep into why the SOA is important to us as actuaries and the critical role volunteers play in the SOA's success now and into the future.

It's release day here at SOA as Ian, Shawn and Jason sit down to go track-by-track on the Crowes' newest album, "A Pound of Feathers!" Check it out!

The podcast features Jon Forster interviewing Aree Bly, founder of Alignment Ally and author of "The Sustainable Brain," focusing on the importance of developing comfort with ambiguity for actuaries and other professionals. Aree shares practical examples from her career, such as handling ambiguous data formats in healthcare analytics, and discusses strategies for determining when work is "good enough" without sacrificing quality. The conversation covers tools like the RACI framework for clarifying roles and responsibilities, and offers advice for navigating ambiguity arising from organizational changes. The episode emphasizes the impact of ambiguity on career sustainability and personal well-being, encouraging proactive communication, expectation-setting, and self-awareness. Contributors:   Aree Bly; Jon Forster, ASA, MAAA Thanks for listening and don't forget to subscribe! Want to keep up with the latest SOA news? Follow us on our social channels: Instagram: @soactuaries Facebook: Society of Actuaries LinkedIn: Society of Actuaries Twitter: @SOActuaries About Us: With roots dating back to 1889, the Society of Actuaries (SOA) is the world's largest actuarial professional organization with more than 32,000 actuaries as members. Serving as the SOA's research arm, the SOA Research Institute provides objective, data-driven research bringing together tried and true practices and future-focused approaches to address societal challenges and your business needs. It provides trusted knowledge, extensive experience and new technologies to help effectively identify, predict and manage risks. ● Learn more about Influence and other engaging topics relevant for actuaries on the Professional Development Edge Subscription product.    https://www.soa.org/prof-dev/pd-edge/  

It's March Madness time as SOA puts its own spin on the annual sporting event with Crowe-Madness! We took to Patreon to select 16 Crowes show openers to whittle down to an overall champion and had a ton of fun in the process! This episode was recorded live with the Patreon community participating and we hope you enjoy the result!

In this episode of Research Insights, we revisit a conversation originally featured in the Young Professional Advisory Council (YPAC) Podcast Series. Host Tasso Buntivas, Vice Chair of YPAC, speaks with Dale Hall, Managing Director of Research at the Society of Actuaries Research Institute. Dale provides an in-depth look into the SOA's research initiatives—from experience studies and practice research to emerging topics such as artificial intelligence, climate risk, and longevity modeling. He also explains how the SOA's research informs public policy, shapes industry practices, and delivers societal value. This engaging discussion offers valuable insight for both early-career and experienced actuaries interested in contributing to or better understanding the impact of actuarial research. Dale shares the many ways actuaries can get involved, regardless of background or experience level. Whether you're curious about how research priorities are set or seeking ways to contribute, this episode offers a compelling look at the people, process, and purpose behind SOA research.

Availability, Affordability, and Adequacy of Insurance in Areas Impacted by Climate-related Risks In this episode of the Society of Actuaries Research Insights Podcast, Dale Hall, Managing Director of Research at the SOA Research Institute, speaks with Peter J. Sousounis, PhD—author of the October 2024 SOA report—and Ian Genno, FSA, FCIA, CERA, Chair of the Catastrophe and Climate Research Selection Committee. Together, they explore the challenges and potential solutions surrounding insurance availability, affordability, and adequacy in regions affected by climate-related risks. The conversation draws from insights gathered during an expert panel session that informed the report. Key themes include rising premiums, underinsurance, regulatory limitations, and the growing role of predictive modeling and AI in assessing and managing catastrophe risk. They also discuss innovative insurance models such as parametric insurance, the importance of public-private partnerships, and the future outlook for the insurance industry as climate events increase in frequency and severity. To explore the full report and additional catastrophe and climate research, visit:  https://www.soa.org/resources/research-reports/2024/ins-availability-climate-risk-areas/

Check out our lovely new website where you can find more detailed notes, images and links to the wider reading. In this episode… Welcome back to the Deep-Sea Podcast, your punk take on all things deep sea!    Thom and Alan discuss Christmas from opposite ends of the planet, where Alan gets ‘proper' Christmas in Scotland with snow and everything. At the opposite end, Thom insists on using his new BBQ, despite a rainstorm turning the air to liquid. The exhibit that Thom was curating, Breathe | Mauri Ora at Te Papa, is an examination of the intersection of science and art by Marshmallow Lazer Feast. It is open now if you find yourself in Wellington, New Zealand.   This month, we are talking giant testate protists, the coolest things you have probably never heard of. Giant cells on the deep seabed that can reach 20 cm or more. They build elaborate shells, and despite having known about them for hundreds of years, there are still loads we don't understand about them. In the news, get ready for updates on: Squids hiding under the sea floor, pretending to be plants A rare seven-armed octopus sighting Deep-sea art that highlights the effects of coral dredging Missing zombie worms and expanding oxygen minimum zones New Whale Tags helping with deep-sea data recovery A massive white skate nursery and Canada's first hydrothermal site   Discord update The Deep-Sea Pets Channel continues to give back with excellent photos of our fav friends Our Holiday party was a total success, with many episodes of Octonauts watched and ‘enjoyed' by all We assessed some of the ‘animal saving' videos, as discussed by Tyler on the Mythbusting AI episode.  Excellent Dragon-based book recommendations.  We all wished we could visit Thom's New show opening at Te Papa. Thom shared a beautiful video about Antarctica from his Falkor Too trip last year.  Planning a Time Machine to scuba dive ancient seas, study the squid therein, and then hop on a boat trip with Darwin.  TBOS and KBOS brushes of science versus various squid photos.  Compared holiday baking recipes  Photos and observations shared from SOA divestream viewing And, as always, vicarious travel to aquariums around the world! Support the show The podcast is self-sustaining (just) thanks to our lovely listeners. Thom and Alan take no money for the show. All money is put back into running it. Here's a link to our page on how to support us, from the free options to becoming a patron of the show. We want to say a huge thank you to those patrons who have already pledged to support us.   Check out our podcast merch here!   Feel free to get in touch with us with questions or your own tales from the high seas on: podcast@deepseapod.com We'd love to actually play your voice, so feel free to record a short audio note on our brand new answerphone! https://www.speakpipe.com/deepseapodvoicemail Thanks again for tuning in; we'll deep-see you next time!   Find out more Social media BlueSky: @deepseapod.com https://bsky.app/profile/deepseapod.com   Twitter: @DeepSeaPod https://twitter.com/DeepSeaPod   Instagram: @deepsea_podcast https://www.instagram.com/deepsea_podcast/   Keep up with the team on social media Twitter:  Alan - @Hadalbloke Thom - @ThomLinley  Instagram:  Thom - @thom.linley  Inkfish - @inkfishexpeditions BlueSky: Thom @thomaslinley.com  Alan @hadalbloke Reference list News  Deep Sea Valentines | Support Skype a Scientist with the Squid Facts shop!   Deep-Sea News Unknown species of squid spotted burying itself upside down, pretending to be a plant Rarely-Seen Seven-Arm 'Blob' Octopus Filmed by Underwater Camera | PetaPixel Former submarine pilot's art highlights the deep sea | Hawai'i Public Radio Hawaii Undersea Research Laboratory (HURL) | Kerby Illustrations Zombie worms are missing and scientists are alarmed | ScienceDaily Whale tag will help decode communication in the deep ocean - Earth.com Scientists Uncover Massive Deep-Sea Eggs Inside on Active Volcano Thought to Be Extinct for Centuries   Discord Updates Inside Breathe: Mauri Ora at Te Papa | RNZ Crossing the Divide | Climate Connections at the Ice-Sea Interface Interview Links Paleodictyon - Wikipedia   Paleodictyon nodosum: A living fossil on the deep-sea floor   Massive occurrence of a new soft-walled monothalamous foraminifer, Bathyallogromia brandtae n.sp., in the hadal Aleutian trench   An Integrative Taxonomic Survey of Benthic Foraminiferal Species (Protista, Rhizaria) from the Eastern Clarion-Clipperton Zone Credits Song of the month: It is that deep, bro by Matt Storer Logo image: NOAA public domain Theme: Hadal Zone Express by Märvel  

In the Mix for 2026: Research Goals and Personal Milestones from the Research Institute Kick off the new year with Part 2 of the Society of Actuaries Research Institute's Holiday Season podcast series, hosted by Dale Hall, Managing Director of Research. In this special episode, Dale is joined by a full panel of SOA researchers and team members—including Achilles Natsis, Joe Alaimo, Kara Clark, Lisa Schilling, Nicole Anagnos, Patrick Nolan, Philip Adams, Rob Montgomery, and Steve Siegel—as they look ahead to 2026. Each guest shares professional ambitions across key areas like health care, mortality, annuities, AI, climate, and retirement—along with a few fun personal resolutions for the year ahead. From expanding research on GLP-1s and longevity to launching new studies in mortality and long-term care, this episode is filled with energy, insights, and optimism for the actuarial profession in 2026.

The podcast features Jon Forster interviewing Hasham Piperdy about the similarities and differences between Takaful and mutual insurance. Both models emphasize collective risk sharing and returning surplus to participants, but differ in ownership structure, capital provision, and investment restrictions. Takaful adds a layer of Shari'ah compliance, requiring investments to be Islamic and oversight by a Shari'ah board. The discussion highlights that while the models share cooperative principles, Takaful introduces faith-based ethics and governance.  Contributors: Hasham Piperdy, FIA; Lisa Schilling, FSA, EA, FCA, MAAA; Jon Forster, ASA, MAAA Thanks for watching and don't forget to subscribe! Want to keep up with the latest SOA news? Follow us on our social channels: Instagram: @soactuaries Facebook: Society of Actuaries LinkedIn: Society of Actuaries Twitter: @SOActuaries About Us: With roots dating back to 1889, the Society of Actuaries (SOA) is the world's largest actuarial professional organization with more than 32,000 actuaries as members. Serving as the SOA's research arm, the SOA Research Institute provides objective, data-driven research bringing together tried and true practices and future-focused approaches to address societal challenges and your business needs. It provides trusted knowledge, extensive experience and new technologies to help effectively identify, predict and manage risks. ● Learn more about Takaful and other engaging topics relevant for actuaries on the Professional Development Edge Subscription product.    https://www.soa.org/prof-dev/pd-edge/  

In this episode of the Society of Actuaries Research Insights Podcast, Dale Hall, Managing Director of Research at the SOA Research Institute, welcomes Geralyn Trujillo, Senior Director of Public Policy at the American Academy of Actuaries. Together, they provide an insightful recap of the 2025 NAIC Fall Meeting held in Hollywood, Florida, December 8-11, 2025. The discussion covers key takeaways from the meeting, including updates from the SOA on climate-related research such as climate-induced migration, sea level rise, and wildfires, as well as important developments in long-term care experience studies and global mortality experience studies from Canada and China. Tune in for a deep dive into the issues shaping regulatory, policy, and actuarial landscapes in the U.S. and globally.

This week on SOA, we dig into the results of our Patreon "Drop/Best" survey, in which we polled the Patrons to find out which song they would drop from each Crowes album and which song best represents each Crowes album! The full crew weighs in with their own picks in a music nerd fest of epic proportions. You don't want to miss this one!

The podcast features a conversation with Willis Towers Watson CEO Carl Hess, who discusses his progression from actuary to CEO, emphasizing the importance of analytical skills, communication, and people management in leadership. Carl highlights how technology and AI are transforming the actuarial profession, noting that automation and AI projects at WTW are helping staff focus on more productive work and better utilize unstructured data. He shares personal anecdotes about using music to maintain focus during actuarial exam studies and explains how he stays connected with WTW's employees through informal interactions and modern communication tools. Carl reflects on key career moments and lessons leaned along the way.   Carl is joined by Chris Lombardi, Karen Grote, and Jon Froster for this thoughtful conversation.   Contributors: Carl Hess, FSA, CERA; Chris Lombardi, FSA, MAAA; Karen Grote, FSA, MAAA; Jon Forster, ASA, MAAA Thanks for watching and don't forget to subscribe! Want to keep up with the latest SOA news? Follow us on our social channels: Instagram: @soactuaries Facebook: Society of Actuaries LinkedIn: Society of Actuaries Twitter: @SOActuaries About Us: With roots dating back to 1889, the Society of Actuaries (SOA) is the world's largest actuarial professional organization with more than 32,000 actuaries as members. Serving as the SOA's research arm, the SOA Research Institute provides objective, data-driven research bringing together tried and true practices and future-focused approaches to address societal challenges and your business needs. It provides trusted knowledge, extensive experience and new technologies to help effectively identify, predict and manage risks. ● Learn more about Influence in the Actuarial Profession and other engaging topics relevant for actuaries on the Professional Development Edge Subscription product.    https://www.soa.org/prof-dev/pd-edge/  

Classic Replay: Medicaid Managed Care – Considerations in Calculating Margin In recognition of National Family Caregivers Month, we're re-releasing this classic episode from June 26, 2017. Dale Hall, Managing Director of Research at the Society of Actuaries, is joined by Steve Siegel, SOA Research Actuary, and Sarah Tepema of Health Care Service Corporation. The conversation explores the SOA's report "Medicaid Managed Care Organizations: Considerations in Calculating Margin in Rate Setting." Listeners will gain insight into how states structure capitation rates for MCOs, how margins are defined and used beyond just profit, and the real-world impacts these margins have on Medicaid programs—especially important for populations relying heavily on caregivers. For more information on this report visit:  https://www.soa.org/resources/research-reports/2017/medicaid-margins/

This week on SOA, Ian and Producer Jason bring you The Ultimate Beacon 95 Set! Originally an installment of our Patreon-exclusive Patreon Radio Live series, the guys take all the setlists from the infamous 5-night NYC stand and craft their ultimate one set "best of!" Tune in to find out how they did! (If you enjoy listening to this glimpse into the Patreon Radio Live series, considering joining the SOA Patreon at: www.patreon.com/stateofamorica)

In this episode of the Society of Actuaries Research Insights Podcast, Dale Hall, Managing Director of Research at the Society of Actuaries, explores the 2019 Individual Life Insurance Mortality Experience Report with two expert guests: Jim Toole, FSA, CERA, MAAA, Chief Luminary at Aurora Actuarial, and Philip Adams, FSA, CERA, MAAA, Senior Experience Studies Actuary at the SOA Research Institute. They discuss the significant shifts in mortality trends from 2012 through 2019, including the dominance of level premium term insurance, the introduction of expanded preferred underwriting classes, and the increase in older age issue ages. The conversation also highlights the transition of data collection from MIB to the NAIC, and how predictive analytics like boosted decision trees and vine copulas were leveraged for data validation and insights. Actuaries will find insights into how these findings can support pricing, reserving, and risk management efforts, along with resources such as Tableau dashboards and downloadable text files that make data analysis more accessible. With post-2019 data expected soon, this episode offers timely reflections on the evolving landscape of individual life insurance mortality. Access the report and related materials by visiting the SOA website at:  https://www.soa.org/resources/research-reports/2024/ilec-mort-2012-19/

It's an exciting week on SOA as we sit down and discuss "The Marie Laveau Sessions" from the deluxe edition "Amorica" box set, arriving November 14th! You won't want to miss a single second of this one, Amoricans!

A CMO Confidential Interview with Andy Sack and Adam Brotman, Co-Founders and Co-CEO's of Forum 3, authors of the book AI First, previously at Microsoft and Starbucks. Adam and Andy discuss the exponential growth of LLM's in the 3 years since the Chat GPT launch, the rapid pace of consumer adoption and "why there's never been a bigger prize in capitalism." Key topics include: why the circular tie-ups between the models and chip providers may make sense, their belief that only 5% of companies are well underway; why you should use AI at least 10 times a day; and how the "current way of doing business" is the biggest blocker to progress. Tune in to hear 2026 predictions, why you should have a "family password," and how an AI Zoom scam resulted in a $20 million loss for the company. AI: The Year That Changed Marketing | Andy Sack & Adam Brotman on CMO ConfidentialFormer Starbucks Chief Digital Officer Adam Brotman and investor/operator Andy Sack return to break down AI's wild 2025—and what's next for marketers and the C-suite in 2026. We cover the rise of reasoning models and agents, chip-and-model tie-ups, who's winning (and who's falling behind), why only ~5% of companies are truly “underway,” and how consumer behavior is racing ahead of most enterprises. Adam and Andy deliver pragmatic guidance for boards, CEOs, and CMOs: where to lean in, how to organize, and what to build now.What you'll learn:• The real story on model advances, agents, and the chip/energy bottlenecks• Why supply-lock deals aren't “circular nonsense” and how they'll shape winners/losers• Enterprise reality check: 5% vs. 95%, and why CEO/board sponsorship determines lift-off• Consumer adoption, zero-click search, and how discovery is shifting under your feet• Marketing beyond efficiency: ideation, synthetic testing, and creative at production speed• 2026 predictions: Apple's big AI move, the year of consumer agents, and new AI devices• Risk & resilience: deepfake fraud, the “family password,” and change management that sticksActionable takeaways:• Use AI 10×/day; turn on voice and select a “thinking/reasoning” model for complex work• Treat AI as a company-wide transformation, not an IT pilot; pick a few high-value use cases and own them from the top• Experiment with agentic workflows and AI video to compress cycle time from storyboard to launchSponsored by @typefaceai Typeface helps the world's biggest brands go from brief to fully personalized, on-brand campaigns in hours—not months. Their agentic AI marketing platform automates workflows across ads, email, and video, integrates with your MarTech stack, and includes enterprise-grade security. Adweek named Typeface “AI Company of the Year,” TIME listed it among the Best Inventions, and Fast Company called it the next big thing in tech. See how brands like @ASICSGlobal and @Microsoft are transforming marketing with Typeface: typeface.ai/cmoAbout CMO ConfidentialHosted by five-time CMO Mike Linton, CMO Confidential goes inside the decisions, politics, and trade-offs of one of the most scrutinized jobs in the C-suite. New episodes every Tuesday on Spotify, Apple, and YouTube.00:00 Intro & Sponsor: Typeface02:00 Topic & Guests — Adam Brotman and Andy Sack03:00 Three-year AI surge: usage, video, geopolitics06:00 Reasoning models, long-duration agents, chip/energy demand10:00 Midroll: Typeface12:00 Capital tie-ups: supply lock vs. “circular money”15:00 Winners & losers: the AGI race and consolidation16:00 Enterprise adoption: board/CEO-led change vs. IT pilots18:50 Reality check: 5% “well underway,” 95% early22:00 Consumer adoption: everyday use, underutilization25:00 Can companies keep up? Why most are lagging27:00 Search is shifting: AI overviews, assistants everywhere29:00 Marketing beyond efficiency: ideation, automation, CX31:00 AI video examples to study (Kalshi ad, IAm8)33:30 Agencies & consultancies adapting (Accenture, BCG, McKinsey)34:30 2026 predictions: Apple's big move, year of agents, new devices36:00 2026 tensions: labor disruption, backlash, “bumpy” progress38:00 Practical tips: use AI 10×/day, voice mode, “thinking” models41:00 Tools & safety: @lovable family/business passwords42:00 Deepfake/Zoom heist cautionary tale44:00 Wrap-up: subscribe & episode library44:30 Closing Sponsor: Typeface —CMO Confidential,Mike Linton,Adam Brotman,Andy Sack,Typeface,agentic AI,AI marketing,marketing strategy,chief marketing officer,CMO,CEO,board strategy,enterprise AI,reasoning models,AI agents,AGI,LLMs,generative AI,Claude,Gemini,ChatGPT,NVIDIA,semiconductors,MarTech,creative automation,personalization,zero click search,search disruption,media buying,advertising,brand vs performance,organizational design,change management,digital transformation,customer experience,synthetic personas,AI video,SOA,Sora,Replit Agent,Apple AI,Perplexity,security,deepfakes,family password,go to market,content at scale,ASICSSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We're joined by Nancy Barile, award-winning author of "I'm Not Holding Your Coat", an insightful chronicle of her life as an OG Philadelphia/Boston punk who lived through the golden age of hardcore music as it evolved in real time before her eyes. The Ramones, Bad Brains, Misfits, Minor Threat, Black Flag... You name it, she saw it. We talk about the legendary brawl in Kensington, booking the infamous "Gathering of the Tribes" show, cold calling CBGBs to get bands booked, and bumping elbows with just about every legendary figure in hardcore punk, and much more. Her husband, the late great Al Barile of SSD, was a pioneer of the straight edge movement and a name brought up often on HardLore throughout the years. He sadly passed away in April of 2025, and we talk all about their chance meeting, his impact on us, and share stories of Al through the years and look back at his perception of how straight edge and hardcore music have grown since his early days in SSD. An incredibly informative and cathartic conversation and an episode we've wanted to make happen for a long time. Thank you Nancy for joining us and all of you for watching/listening. RIP Al Barile. ________________ Edited by Steven Grise (@iamoneonenineseven) • Title sequence by Nicholas Marzluf (@marzluf) HardLore: A Knotfest Series Join the HARDLORE PATREON to watch every single weekly episode early and ad-free, alongside exclusive monthly episodes: https://patreon.com/hardlorepod Join the HARDLORE DISCORD: https://discord.gg/jA9rppggef Cool links: HardLore Official Website/HardLore Records store: https://hardlorepod.com Try AG1 and AGZ at DrinkAG1.com/HARDLORE to receive a free frother. Get 15% OFF @manscaped + Free Shipping with promo code HARDLORE at MANSCAPED.com! #ad #manscapedpod FOLLOW NANCY: INSTAGRAM | https://www.instagram.com/nancybarile/ FOLLOW HARDLORE: INSTAGRAM | https://www.instagram.com/hardlorepod/ TWITTER | https://twitter.com/hardlorepod SPOTIFY | https://spoti.fi/3J1GIrp APPLE | https://apple.co/3IKBss2 FOLLOW COLIN: INSTAGRAM | https://www.instagram.com/colinyovng/ FOLLOW BO: INSTAGRAM | https://www.instagram.com/bosxe/ TWITTER | https://www.twitter.com/bosxe #HARDLORE #HARDCORE_______________________00:00:00 - Start 00:00:57 - Hello Welcome 00:03:48 - Discovering Punk in It's Infancy 00:15:56 - Catholic School, The Who, McDonald's 00:18:22 - Connecting with Students Through Punk 00:26:53 - Ramones at University of PA 00:31:02 - The Misfits in 1981 00:34:35 - Managing the Sadistic Exploits 00:43:14 - Meeting Al Barile 00:56:15 - Pardon This Interruption 00:58:54 - Kenmore Square 01:05:01 - The Bad Brains & Homophobia 01:09:41 - Black Flag, SOA, And Kensington Brawl 01:23:43 - Exiting Hardcore Before the Late 80's Boom 01:33:31 - Straight Edge's Evolution 01:43:10 - Remembering Al Barile & Celebrating His Legacy Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

SOA is back with an all new episode! This week, David, Ian and Producer Jason sit down and share some of their favorite live performances featuring a guest sit-in by Chris Robinson! This episode was recorded live before an audience of Patreon members and features for the first time the complete songs involved in the discussion. Check it out!

Welcome back to an all-new episode of SOA! Today marks six years since the world lost the wonderful Neal Casal, a man whose musical talents paired with his gentle soul to make a truly unique human being. For this episode, we sit down with Gary Waldman, Neal's former manager and current archivist for the Neal Casal Music Foundation. We discuss the latest archival release, a collection of rare demo recordings entitled "No One Above You" as Gary shares many fond memories of his cherished time with Neal. It's a great conversation you won't want to miss...