Description: Discusses the natural history of AIDS and some of the impact on underwriting, the methods for projecting the epidemic from both a population and insurance standpoint, the potential of the AIDS epidemic in terms of reinsurance and solvency reserves. From the 1988 Record of Society of Actuaries, Vol. 14, No. 2.

Description: This discussion at the SOA 1997 Palm Desert Spring Meeting looks at issues related to second-hand smoke including the negative health effects and underwriting implications.

Description: This session at the SOA 1990 Annual Meeting explores the status and impact of AIDS in the U.S., Canada and elsewhere in the world.

Description: Presented at October 1986 Annual Meeting. This session discussion is about the impact of the AIDS epidemic, legal challenges to risk classification practices, impact on practices resulting from these challenges and from trends in areas such as preferred risks and guaranteed issues, possible future developments in underwriting and risk classification and how they may impact product design and marketing.

Description: This discussion examines new products and marketing issues pertaining to individual life insurance. Topics include: A. Proper role for and impact of higher minimum amount and preferred risk policies. B. Changes made in recent years in the distribution of new issues by plan of insurance and mode of premium payment, C. Advantages and disadvantages of issuing to women a special life insurance policy, or class of policies, involving different basic assumptions from those used for other policies D. Plans marketing policies for which the insurance premiums are paid by 1 bank loans arranged with the assistance of the agent, 2 premium deposit plans, 3 bank drafts and postdated checks.

Description: Experts in this area discuss the latest research, the impact on risk classification, the legislative and regulatory issues involved, and the latest efforts by the American Academy of Actuaries. From the 1997 Record of Society of Actuaries, Vol. 23, No. 3.

Description: This 1978 panel discussed risk classification systems for a variety of products. Topics covered included: 1. regulatory and social policy encroachment on risk classification systems 2. possible changes in underwriting/marketing strategy because of changed regulatory requirements 3. use of the social imperative via regulation or legislation to mandate availability of coverage to high risk classifications 4. implied use of the risk classification system to provide incentives to control socially undesirable behavior 5. potential use of private mass coverage to minimize the impact on risk classification systems for coverages mandated by law or social policy 6. the ultimate in risk classification systems: self-insurance

Description: This session from the 1995 SOA Boston Meeting presents new information and approaches that address the impact of underwriting on mortality. Topics include developing issues in insurance medicine, preferred underwriting guidelines, laboratory testing, and monitoring results. From the Record of the Society of Actuaries, Vol. 21, No. 4b.

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 presentation is a concurrent session from the 1991 Meeting of the Society of Actuaries, held April 18-19 in New Orleans. The panelists discuss level term insurance, preferred risk underwriting, and the impact of proposed NAIC Actuarial Guideline XXX on statutory reserves. Discussion from participants is included. From the Record of Society of Actuaries, Volume 17, No. 1.