Description: This paper presents a large number of studies made by The Mutual Life of New York determining the effect on the lapse rates of the various characteristics of the insured, the policy, the agent, and certain economic factors. From Transactions of Society of Actuaries 1951, Vol. 3, No. 7.

Description: This paper, presented at the Eastern Spring Meeting of the Society of Actuaries, held March 24-25, 1960 in Washington, D.C., provides the results of an experience study of first year lapse and “default” rates on ordinary insurance, where the author, Norman F. Buck, has defined “default” rate as a rate including the sum of first year lapses, not takens, and cancellations as of the issue date. The paper includes written discussion and the author’s review of the discussion. From the 1960 Transactions Vol. 12, No. 33.

Description: Report examining the lapsation of ordinary insurance in the U.S. between 1989 and 1990 policy anniversaries, based on face, premium and count.

Description: Covers the lapsation of ordinary insurance in Canada between 1989 and 1990 policy anniversaries, based on face, premium and count.

Description: From the 1960 Transactions Vol. 12 No. 32, this ‘Discussion of Subjects of Special Interest’ addresses insurance withdrawal rates. Topics include recent studies of factors affecting withdrawal rates and the question of whether new standard tables to replace Linton’s A and B tables are needed.