Description: The impact of nutrition, geography, occupation and other health risks on mortality with regards to life insurance. From Record of Society of Actuaries, February 1978, Vol. 3, No. 4

Description: This 1978 SOA session presented some provisional findings of the new Build and Blood Pressure Study. Some of the findings: 1. The average weights of men in the new study exceed the corresponding weights in the previous 1959 study by 2 to 8 pounds in the thirties, and by up to 5 pounds in the fifties. 2. The mortality ratios of overweight men are not significantly different in the new study from those in the 1959 study. 3. Markedly overweight men experienced lower mortality in the current study than in the 1959 study. 4. Men weighing 20 percent below average recorded 10 to 15 percent higher mortality in the new study than in the 1959 study. 5. Mortality of overweight women is relatively lower than that of overweight men. 6. Mortality of men with elevated systolic and diastolic pressures was appreciably lower than in the 1959 study. 7. Mortality of women with moderately elevated systolic and diastolic pressures was not significantly different from that in the 1959 study. 8. The presence of minor impairments alongside of blood pressures in excess of 150/90 usually produced significant increases in mortality.

Description: Presentation on Mortality Trends to the Retirement Industry Conference

Description: This presentation from the 1995 SOA New York Meeting covers AIDS, where the disease is now, how the forecasts compare to what has actually happened and the current impact on pricing. From the Record of the Society of Actuaries, Vol. 21, No. 2.

Description: From a session at a meeting of the Society of Actuaries held in San Diego, CA, June 22-23, 2000 The panel provides an update on the status of the Factors in the Risk Selection Techniques Study.

Description: Presented at October 1985 Annual Meeting. Discusses how much of the sex mortality differential is due to smoking habits, how convincing are existing studies, what do worldwide trends in mortality suggest about the effects of smoking and on mortality, how well do insurers classify the smoking risk, and the United States Life Tables for 1979-81 paper by Myers and Bayo.

Description: This is a discussion about substandard mortality vs. standard mortality and the effects it will have on substandard premiums. Topics included: A. Statistical evidence on the trend of substandard mortality. Does it generally follow the trend of standard mortality? B. Effect this should have on substandard extra premiums. C. Does a lowering of substandard extras require any changes in underwriting rules, either as to the range of substandard classes or as to the ratings applied to some of the major impairments?

Description: This article is part of the Digest of Informal Discussion, which took place at the 1957 Society of Actuaries Eastern Spring Meeting, held March 21-22 in New York City. The article identifies the participants and summarizes each person’s comments. The participants discuss adoption of a new mortality table and the need for deficiency reserves, the impact of new tables on participating and nonparticipating companies, and dividend patterns, whether new tables should be expected to remain an appropriate standard for an extended period, and the question of changing reserve and nonforfeiture interest rates. From Transactions of Society of Actuaries 1957 Volume 9, Number 24.

Description: Discussion of the following underwriting topics: A. In view of the low rates of mortality currently experienced on standard lives, is the standard classification too narrow? B. Do substandard extra premiums at the lower ratings make fair provision for the additional expenses incurred on substandard policies? C. What problems are encountered in issuing life insurance on persons residing outside the continental United States and Canada? D. What changes have been made recently in non-medical selection and why? E. How could greater use be made of mortality or morbidity studies conducted by hospitals, clinics, government agencies, universities and others outside of the life insurance business?

Description: This session from the 1983 SOA Hollywood, Florida Meeting discusses the Norris case, the Fair Insurance Practices Act and HR100, known as the Non-Discrimination in Insurance Act and the implications of these current developments regarding risk classification in the insurance industry and pension plans. From Record of the Society Vol. 9, No. 4