Description: This is the digest from the informal discussion reviewing the 1951 Impairment study. It is the latest in a series of studies covering mortality of impaired risks. It covers the experience under Ordinary insurance issued from 1935 to 1949 traced to the anniversaries in 1950. Standard and substandard policies were studied separately.

Description: This section consists of the following reports, Activities of the Subcommittee on Variable Contracts of the ALC-LIAA Actuarial Committee, Alternate Routes, and Recent Mortality under Individual Immediate Annuities. From Transactions of Society of Actuaries 1969, Vol. 21, Pt. 2, No. 61.

Description: This discussion focuses on trends in the insurance industry and factors influencing the future course of the life insurance industry. From Transactions of Society of Actuaries 1960, Vol. 12, No. 34.

Description: This article lists the following topics of current interest that were discussed at the 19th International Congress of Actuaries held in Oslo, Norway from June 19 to June 24, 1972: 1. Life and pension insurance with variable sums insured or variable premiums, 2. Methods of forecasting the development of an insurance company during the next ten years, 3. Private pension schemes and social insurance, and 4. Problems connected with the actuarial treatment of the risk process of an insurance company. From Transactions of Society of Actuaries 1972, Vol. 24, Pt. 2D, No. 70.

Description: This is a discussion about substandard mortality vs. standard mortality and the effects it will have on substandard premiums. Topics included: A. Statistical evidence on the trend of substandard mortality. Does it generally follow the trend of standard mortality? B. Effect this should have on substandard extra premiums. C. Does a lowering of substandard extras require any changes in underwriting rules, either as to the range of substandard classes or as to the ratings applied to some of the major impairments?

Description: This study develops mortality ratios, using contemporary population tables as the base, for the 897 Fellows of the two predecessor bodies to the present Society observed to anniversaries in 1985. A discussion of the paper follows. From Transactions of Society of Actuaries 1990, Vol. 42.

Description: This is a discussion about various underwriting issues including broadening the standard class at younger ages, overinsurance, mortality experience on guaranteed and automatic issue and taking smoking habits into account in underwriting life insurance risks. From Transactions of Society of Actuaries 1962, Vol. 14 Pt. 2

Description: Discussion of the following underwriting topics: A. In view of the low rates of mortality currently experienced on standard lives, is the standard classification too narrow? B. Do substandard extra premiums at the lower ratings make fair provision for the additional expenses incurred on substandard policies? C. What problems are encountered in issuing life insurance on persons residing outside the continental United States and Canada? D. What changes have been made recently in non-medical selection and why? E. How could greater use be made of mortality or morbidity studies conducted by hospitals, clinics, government agencies, universities and others outside of the life insurance business?

Description: These were discussion papers on the paper, 'The Korean War Hazard' by James T. Phillips.

Description: This paper was presented at the 1957 Society of Actuaries Eastern Spring Meeting, held March 21-22 in New York. The authors present the results of the fourth in a series of mortality studies of the experience of industrial policyholders of the Metropolitan Life Insurance Company for successive periods since 1911. This report extends the series to 1955, with emphasis on mortality trends during the post war decade. Like the earlier reports covering the four decades ending with 1950, mortality trends among these insured lives for the more important causes of death according to age, sex, and race are presented. From Transactions of Society of Actuaries 1957 Volume 9, Number 24.