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: This is a study of irregularities in pulse beats detected by the electrocardiogram and the impact on mortality experience at one company. Followed by a discussion paper

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 report presents the compilation of data received from life companies responding to a survey on preferred risk underwriting and provides opinions of the Task Force on Preferred Underwriting with respect to future trends.

Description: The purpose of this paper is to provide a unified theory for the evaluation of underwriting requirements where this evaluation is based on the measurement of the levels of mortality costs associated with such requirements. A discussion of this paper is included.

Description: 1981 Report covering the period 1978 - 1980 presents statistics on the accidental fatality experience of various sports and sports-related occupations.

Description: Discusses the modification of underwriting practices because of the 1951 Medical Impairment Study, classification adjustments, competitive pressures on ratings and expansion of substandard business.

Description: This discussion focuses in particular on changes in assessment of build and blood pressure risk and war risk.

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: This discussion focuses on underwriting for war risk including antiselection issues, the advantages and disadvantages of a permanent war clause in policies, and insuring combat and non-combat related aviation hazards.