Description: Discusses underwriting classification trends, term vs. permanent mortality experience with and without medical exams, mortality and lapse experience of military personnel, factors in addition to insurability which should be taken into account by underwriters - such as lapse risk. Also discussed are health underwriting and underwriting expenses.

Description: This discussion covers methods used to determine limits of retention for life and health insurance, the handling of special features such as guaranteed purchase options, and any new procedures or methods for reinsurance that have been developed and the advantages and disadvantages of these.