Description: This 1980 session is about effect of government actions and consumerism on product design and pricing. Areas addressed: 1. What have been the most important regulatory and consumerist actions in the past decade as related to products, their marketing and the overall operation of a life insurance company? 2. What will be the most important actions in these arenas in the next decade? 3. What specific impact have these regulatory and consumer actions had on companies in the past decade and will they have in the coming decade? 4. What true value has accrued to consumers and the public because of these actions, and what impact will they have in the next decade? 5. Is there an acceptable relationship between the value of these benefits and the cost to the companies of providing them?

Description: Panelists discuss different aspects of self-selection among Medicare options. From the Record of the Society of Actuaries, Vol. 24, No. 2.

Description: Panelists discuss the implications of 9 / 11 , such as disaster planning for business operations, geographic concentrations of risk, terrorism clauses, carrier response, legislative changes that may help carriers limit risk, accidental death-only programs, effects on health and disability costs, changes in practices and changes in claim incurrence and payments patterns. From the Record of the Society of Actuaries, Volume 28, No. 3, Session 128

Description: This panel discussion session focuses on the effects of consumerism and regulation on the health insurance industry in the United States and Canada. Includes legislation on non-discrimination, mandated benefits and special coverage such as credit & specified diseases. From Record of the SOA 1979 Vol. 5 No. 3

Description: Presented at October 1996 Annual Meeting. This session presents and discusses the NAIC's model bill for risk-based capital as it relates to health insurance.

Description: This session dealt with Regulatory Considerations in Group Insurance. Topics included: 1. National health insurance. 2. Federal hospital cost control programs. 3. Non-discrimination legislation and regulation. 4. Multiple- employer trusts. 5. Impact of recent OASDI financing changes. 6. Changes in mandatory retirement age on group insurance.

Description: The question of sex discrimination in employee pension plans in life insurance programs is only part of the more general issue of risk classification. Challenges to the old ways of classifying risks are not limited to pensions or to life insurance. It also impacts auto insurance, health insurance, and all other areas. However, for this discussion we will concentrate on sex discrimination in pension and retirement plans. From Record of the Society of Actuaries 1979, Volume 5, No. 1.

Description: Presented at October 1985 Annual Meeting. This session is about actuarial implications of individual choice, antiselection problems for medical coverages, plan design considerations, flexible benefits program experience, impact of alternative delivery systems on insured plan.

Description: This presentation is a panel discussion, session 54PD, from the 2004 Spring Meeting of the Society of Actuaries, held June 14-15 in San Antonio, TX. This session covers the impact of segmentation and underwriting on expected mortality and morbidity. Panelists discuss the importance of data mining and customer selection on ultimate experience, setting up direct marketing applications with the right type of questions to maximize responses but limit risk, the use of prescription drugs and other databases, and industry practices for obtaining customer information. Discussion from participants is included. From the Record of Society of Actuaries, Volume 30, No. 2.

Description: This presentation on the subject of Defined-Contribution Health Plans, covers reasons to move to a DC health plan, advantages and disadvantages, comparison to DC retirement plans, plan designs, pricing, risk considerations, and the regulatory and tax environment. 2001 SOA Annual Meeting, New Orleans.