Description: 1999 SOA Annual Meeting, San Francisco. The panel examined challenges posed by the onset of the 21st century to the underwriter and the actuary. Questions addressed included: 1. How can the underwriting process be expedited without surrendering required mortality margins? 2. What different information is needed? 3. Where will this information come from? 4. Who will obtain it and how will it be delivered? 5. How will the actuary assess the real value of these new sources?

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: Discusses the natural history of AIDS and some of the impact on underwriting, the methods for projecting the epidemic from both a population and insurance standpoint, the potential of the AIDS epidemic in terms of reinsurance and solvency reserves. From the 1988 Record of Society of Actuaries, Vol. 14, No. 2.

Description: 1993 SOA Spring Meeting, Boston. This session is about underwriting, including new testing techniques, AIDS update, preferred risk selection, and current topics of interest.

Description: This session at the SOA 2004 Annual Meeting looks at current underwriting issues including the tools underwriters now use for appraising risk in various markets, the impact of preferred exceptions and business decisions from a pricing and claims perspective, and new ideas for assessing risk at older ages.

Description: 2004 SOA Spring Meeting, Anaheim, CA. In this session panelists presented an overview of underwriting processes for a variety of product lines. They also discuss related topics such as identifying keys to underwriting decisions, the cost of underwriting and protective value, and ensuring consistency with pricing assumptions. Some of the underwriting tools discussed were use of RX history, credit checks, DMV history, and fraud data bases.

Description: This 1978 panel discussed risk classification systems for a variety of products. Topics covered included: 1. regulatory and social policy encroachment on risk classification systems 2. possible changes in underwriting/marketing strategy because of changed regulatory requirements 3. use of the social imperative via regulation or legislation to mandate availability of coverage to high risk classifications 4. implied use of the risk classification system to provide incentives to control socially undesirable behavior 5. potential use of private mass coverage to minimize the impact on risk classification systems for coverages mandated by law or social policy 6. the ultimate in risk classification systems: self-insurance

Description: This 1978 discussion focused on risk classification and privacy, including the following questions: What are the implications of the Privacy Study Commission's recommendations? What legislative developments have occurred? What can be expected? From Record of Society of Actuaries, Vol. 4, No. 3.

Description: Presented at October 1996 Annual Meeting. Discusses the latest developments in underwriting and their potential impact on mortality, and the most recent mortality statistics.

Description: Presented at May 2005 Spring Meeting. This session explores new underwriting criteria, including the following topics: What's new in simplified underwriting, Speed to decision, Electronic databases, Teleunderwriting, Prescription drug underwriting, Results analysis, Implementation.