Description: This paper discusses adjustable life insurance and certain theoretical problems of these policies. It also covers how the Commissioners Reserve Valuation Method, CRVM, may be extended to cover adjustable life policies and defines formulas for the additional expense allowance at the time of change. A discussion of the paper follows. From Transactions of Society of Actuaries 1979, Vol. 31.

Description: This article provides a description of the development process for the 2003 GRET factors. The results were also presented and discussed.

Description: T3: TAXING TIMES TIDBITS

Description: This paper estimates the acquisition and maintenance costs associated with life policies as a function of the amount of insurance and number of policies of an insurer by estimating a cost function for our sample of insurers.

Description: This panel discussion is about expense assumptions in pricing. It focused on: 1. What were the historical approaches to expense loadings in premium rates of life and casualty lines? 2. What are the fundamental differences in life vs. casualty expense assumptions? 3. Current changes. 4. Future possibilities.

Description: 1993 SOA Spring Meeting, Boston. This session discussed the concepts of expense allocation, determination of product costs, overhead expenses, the product-cost system, variable versus fixed expenses, and pricing on a marginal basis.

Description: This panel discussion focuses on expense analysis and allocation. Areas addressed include standard of measure used, inconsistencies in expense allocations, and alternate methods of allocation of marketing expenses.

Description: This discussion is about the increasing unit expense rates even in light of increases in insurance amount, simplified procedures and greater mechanization, methods to allocate agency expenses in to the premium structure and the importance considerations in determining the level of gross premiums. From Transactions of Society of Actuaries 1961 Vol. 13 pt. 2

Description: This form solicits a response from companies regarding their intent to participate or not in the 2009 Individual Life and Annuity Expense Study.

Description: Book review of A Comprehensive Guide To Measuring And Managing Life Insurance Company Expenses.