Description: The objective of this forum was to bring together basic factual material and to discover a good cross section of actuarial thinking in this field. From Transactions of Society of Actuaries 1950, Vol. 2, No. 2.

Description: This discussion analyzes the advantages and disadvantages of retirement plans under which the annuity benefits payable to the individual will be variable and will depend on the investment experience of a fund consisting primarily of equity investments. This discussion also looks at the advantages and disadvantages to a recently introduced type of group annuity contract. From Transactions of Society of Actuaries 1952, Vol. 4, No. 8.

Description: This is a summary of 1972 discussions about: 1. the past and future dynamics of North American retirement systems, 2. alternatives for pension legislation, and 3. actuarial principles and practices for pension plans. From Transactions of Society of Actuaries 1972, Vol. 24, Pt. 2D, No. 68.

Description: This discussion focuses on pension and retirement plans, particularly the effect of tax law changes on the competitive position of insured vs trusteed plans, the advantages and disadvantages of recognizing interest rate credits by year of investment on distributing surplus or retroactive credits on group annuity contracts, and how can optional pension benefits be offered so as to protect the plan against adverse selection. From Transactions of Society of Actuaries 1960, Vol. 12, No. 33.

Description: This discussion on multiple lines looks at problems facing a small company on expanding its operations into one or more of the following fields: Group Life Insurance, Individual accident and health insurance, Group accident and health insurance, and pension trust business.

Description: This discussion looks at Employee Welfare Plans, the implications as to the funding of pensions arising out of union demands, terms of total permanent disability benefits, funding methods used, experience as to rates of disability and mortality among disabled, special administrative problems and contractual benefits. From Transactions of Society of Actuaries 1949, Vol. 1, No. 1.

Description: Digests of following discussions: 1. Mutual life insurance companies - their objectives and operating philosophy 2. State, provincial, and municipal employee pension plans - financing and other problems 3. Mortality and underwriting of individual policies for large amounts 4. Investing during the 1970's 5. Long-range viability and regulation of corporate pension plans 6. Forecasting the environment for business 7. Liabilities and surplus in the 1970's 8. Changing modes of family life - work and income over the life cycle 9. The role of the actuary in collective bargaining 10. Health insurance in the United States 11. Adjusted earnings

Description: The following topics were discussed at concurrent sessions: 1. Consequences of adjusted earnings, 2. The actuary's role in marketing, and 3. Pension legislation- United States. From Transactions of Society of Actuaries 1974 Vol. 26, Pt. 2D, No. 75AB.

Description: The so-called pension max life insurance marketing concept is generating a great deal of excitement among life insurance marketers. It's also received some skeptical reviews in the popular news media, the most recent being a Newsweek article by Jane Bryant Quinn in the April 4, 1994 issue. The marketing concept calls for electing an unreduced pension, that is, maximizing the pension, in lieu of electing a reduced contingent annuity [CA] or joint and survivor [J&S] option. Further, the marketing concept calls for the purchase of life insurance on the employee to substitute for the economic exposure created by not electing the CA or J&S option. Although the marketing concept is clear and simple, its economics continue to generate a great deal of discussion. This paper attempts to add some clarity to this issue. From Transactions of Society of Actuaries 1995, Vol. 47.

Description: This discussion looks at topics of interest with Pension and Profit sharing, some questions posed were: Does a split-fund arrangement involving both insured and uninsured funds have advantages over either? Under what conditions are any such advantages most apparent? What disadvantages are there in such an arrangement? From Transactions of Society of Actuaries 1957, Vol. 9, No. 24.