Description: This session at the SOA 1990 Hartford Spring Meeting is about the trends in risk classification and selection criteria used for underwriting risks for individual life insurance. Use of various laboratory tests based on analysis of blood and urine samples is discussed.

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: This report presents the results of the Survey on Business Decision practices of reinsurers conducted by the Society of Actuaries Committee on Life Insurance Mortality and Underwriting Surveys . A survey of direct writers of life insurance is reported separately.

Description: The purpose of this paper is to provide a unified theory for the evaluation of underwriting requirements where this evaluation is based on the measurement of the levels of mortality costs associated with such requirements. A discussion of this paper is included.

Description: 1981 Report covering the period 1978 - 1980 presents statistics on the accidental fatality experience of various sports and sports-related occupations.

Description: The purpose of this survey was to gather data on how a sampling of the life insurance industry makes decisions involving lab tests. This most significant conclusions were that protective value was the biggest driving force and the chief underwriter played the biggest role.

Description: This session at the SOA 1990 San Francisco Spring Meeting presents an overview of risk classification, what principles define a sound system, changes in underwriting due to expert system technology, and determining the value of laboratory tests.

Description: This report presents the results of a survey conducted by the Older Age Underwriting Practices Survey Subcommittee. The purpose of this survey was to elicit feedback regarding underwriting guidelines, requirements and practices utilized in the assessment of older age applicants.

Description: Presents the results of a survey to explore practices that underwriters utilize in both formal and informal ways to assess older age applicants.

Description: Read the Quo Vadis Reinsurance.