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: Discussion of financial underwriting issues and methods for individual life insurance. Followed by discussion papers submitted by several authors

Description: Shows how to use personal information such as medical history, family characteristics, etc. in a logical statistical fashion for the purpose of modifying an existing mortality table to reflect the collected underwriting information.

Description: This report documents the work of the UCT with respect to development of an algorithm used to score preferred risk class structures, producing Relative Risk Scores and Prevalences. It is built for both knockout and debit-credit scoring methodologies.

Description: These assumption tables provide the range and cumulative values used in the Relative Risk Tool in the calculation of Relative Risk scores and Prevalence values.

Description: The attached report presents the results of the survey conducted by the SOA Committee on Life Insurance Mortality and Underwriting Surveys on risk management practices of US life insurance companies. Both direct individual and group life insurance and reinsurance were included in the survey.

Description: This research report examines the ban of the use of genetic testing information in life insurance mortality.

Description: This report examines mortality and other actuarial assumptions for products sold at older ages.

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: This research report discusses simplified issue underwriting in life insurance. It examines recent developments, characteristics, challenges, current practices, assumptions and data elements.