Description: This discussion at a Smaller Company Forum is about the challenges that smaller companies face in three areas - actuarial student recruiting and training, gross premium determination, and agency building.

Description: Discusses reasons for recent extensive industry changes in premium rates and expected trends, merits of different types of federal income tax treatment in financial statements, and discussion of merits of proposed state regulations regarding classification and allocation of income and expenses.

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 paper outlines and illustrates the use of present value for the purpose of estimating future profits and in obtaining dividend scales. From Transactions of Society of Actuaries 1951, Vol. 3, No. 6.

Description: This is a discussion from the Dallas Regional Meeting 1961 covering: 1. The extent to which reductions in whole life and term insurance premium rates are due to better mortality, lower expense, higher interest earnings and reduction in company profit margins 2. Graded premium scales issues 3. FIT assumptions.

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: In this paper we use expectations of different random variables to define the notions of retrospective, prospective, individual, and aggregate net premiums for plans with contingent obligations.

Description: This paper presents a statistical methodology based upon information theory, for adjusting mortality tables to obtain exactly some known individual characteristics, while obtaining a table that is as close as possible to a standard one. Followed by a discussion paper submitted

Description: These are responses to Richard Ziock's work, Gross Premiums for Term Insurance with Varying Benefits and Premiums.

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.