Description: Accelerated underwriting programs continue to evolve at a rapid pace. Triage systems have become a key element in many of the newer accelerated underwriting programs in the market. Depending on the criteria used at the triage point, these programs can have residual effects on class prevalence and mortality which in turn affect the profitability of these programs. In this article we will explore some potential impacts on mortality and prevalence within these programs.

Description: This article provides background and key results of the Risk Premium Project of the Committee on Theory of Risk [DOTOR] of the Casualty Actuarial Society [CAS]. The project is intended to gather research on risk issues and encourage further development.

Description: This paper addresses a study of surplus with the following goals in mind: 1. Determine surplus available for financing additional business, including new ventures. 2. Facilitate measurement of financial performance by line of business consistent with reasonable corporate goals. 3. Provide a mechanism for evaluating alternative strategies based on their estimated marginal effect on the company's ability to meet the above corporate goal. From Actuarial Research Clearing House ARCH 1988, Vol. 3

Description: This session from the 1995 SOA Boston Meeting reviews recent U.S. regulatory and tax developments, U.S. product taxation issues including corporate-owned life insurance COLI and certificate of deposit CD annuities and a summary of recent Canadian income tax developments. From the Record of the Society of Actuaries, Vol. 21, No. 4b.

Description: This paper presents discrete interpolation formulas, specifically a new method of deriving some existing formulas. The paper uses graduation theory in the interpolation method. Also include is a discussion of the paper. From Transactions of Society of Actuaries 1949, Vol. 1, No. 1.

Description: Elderly women living alone experience some of the highest poverty rates in the United States. One reason for their financial frailty is that they face more longevity risk than men. Existing financial products that can mitigate this risk are not attractive to many people. Can alternative vehicles for pooling longevity risk be developed outside the insurance market that would appeal to these individuals? This paper suggests some risk-pooling approaches and compares their effectiveness and viability.

Description: Symposium session on Emerging Definitions of Retirement.

Description: The standard deviation of the present value of benefits of portfolios of identical insurance contracts are examined when both the mortality and the force of interest are stochastic. Several models for the force of interest are presented. The impact of the different stochastic models for the force of interest and of different parameters on the mortality risk and the interest risk is investigated. From Actuarial Research Clearing House 1994, VOL. 1.

Description: Sponsored by the Society of Actuaries Research Expanding Boundaries Pool, this report examines an encompassing method to allocating economic capital in insurance conglomerates. Authored by Edward Furman, Yisub Kye, and Jianxi Su, the plan put forth unifies the centralized top-down and the detail-oriented bottom-up approaches

Description: The purpose of this paper is to illustrate the effects of projected mortality on the pricing and valuation of individual immediate annuities. Also discusses considerations in underwriting substandard annuities. Finally, a discussion of this paper is included.