Description: This informal general discussion session was centered around ordinary insurance, the size of ordinary policies, mode of premium payment, and juvenile policies.

Description: This discussion is about the new procedures that are being used or are contemplated in the preparation of new rate books and policy forms with reserves and cash values computed under the 1958 CSO Table.

Description: This 1979 session is about Life Company performance measures and pricing. Topics included: 1. What are appropriate performance criteria? a. In terms of financial results b. In terms of growth 2. How are goals established? a. For Mutual companies b. For Stock companies 3. What measurement tools do we use? a. Comparison of actual to expected results b. Compound growth rates c. Rules of thumb for various performance ratios d. Analysis of source of earnings 4. How are results used in pricing? a. Pricing consistent with goals are goals consistent with projections? b. Problems relating to allocation by line

Description: This panel discussion focuses on expense analysis and allocation. Areas addressed include standard of measure used, inconsistencies in expense allocations, and alternate methods of allocation of marketing expenses.

Description: This 1978 session discussed ADJUSTABLE LIFE PRODUCTS including: 1. Problems encountered in the planning, development, implementation and maintenance stages. 2. Product-design features. 3. Strengths and limitations. 4. Administrative systems and procedures. 5. Pricing. 6. Nonforfeiture values and reserves. 7. Marketing. 8. Sales results.

Description: Discussion of issues of particular interest to small insurance companies. Includes the following topics: A. Considerations governing the mortality bases used in determining for ordinary insurance for nonparticipating premium rates and for dividends. Mortality studies available to assess the suitability of available mortality tables or modifications of them. B. Advantages and disadvantages of special termination dividends or special quinquennial dividends. C. Desirability and feasibility of having separate dividend scales for policies which include disability benefits, double indemnity benefits or both. D. Relative advantages of a three-factor dividend system versus an experience premium system. Discussion of how the latter is applied.

Description: In this session 31PD of the Palm Desert Spring Meeting panelists discuss current issues relating to joint and second-to-die insurance products, also known as joint survivor or survivorship insurance. From the Record of the Society of Actuaries, Vol. 23, No. 1.