Description: Panel discussion of varying views on: substandard underwriting with prudent pricing, qualified vs. nonqualified plans and the need for IRS clarifications, rate stabilization and aggressive pricing, noncancellable products and product features.

Description: There is a wide range of literature on aging and health care. We sample this literature and find it fits into the subcategories of theoretical aging, medical significance of aging, treatment of the elderly, and resource allocation to the elderly. Themes are that financial arrangements can cause inefficient and ineffective care and that care guidelines need to developed specifically for the elderly rather than extrapolating guidelines for younger patients.