Description: This research report examines the ban of the use of genetic testing information in life insurance mortality.

Description: This is a tool to model the impact of a ban of the use of genetic testing information in life insurance underwriting.

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: The attached report presents the results of the survey conducted by the SOA Committee on Life Insurance Mortality and Underwriting Surveys on risk management practices of US life insurance companies. Both direct individual and group life insurance and reinsurance were included in the survey.

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: This report, the second such 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 SOA, LIMRA and TAI jointly announce a new research project focusing on life insurance impact from COVID-19.

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 is a report on Phase 2 of a research project on the role of automated systems in life insurance underwriting. This paper discusses: 1. How and why companies are using automation to make underwriting decisions. 2. Its impact upon operational efficiency, sales, and retention. 3. The quality of risk selection produced by automated systems. 4. Cultural acceptance of increased automation in underwriting. 5. Challenges insurers must overcome to implement and maintain automated underwriting.

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.