Description: This discussion focused on looking at the immediate uses of the 1951 Impairment Study for the smaller company, the use of new technology such as punch card machines in an effort to reduce cost, methods of budget procedure, use of interim financial reporting and attendant issues such as interim period reserve computations, and problems with underwriting, commission accounting, or conflict with interests of own agents when small companies accept business from agents or brokers of other companies.

Description: This article discusses jet issued life insurance, which marries the speed and simplicity of a simplified issue product with the higher face amounts and competitive premiums of a fully underwritten product.

Description: This article explains how the use of technology and data can help a company be successful in the simplified issue life insurance market. Prescription drug profiles are a valuable new source of data for this purpose.

Description: This article summarizes presentations given at the 1998 Bowles Symposium concerning the use of genetic testing in underwriting life insurance and the medical, legal and ethical issues that arise.

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

Description: Big data and predictive models have disrupted the life insurance new business and underwriting processes over the past few years. How did we get here? What does the future hold? This session will review the lessons learned from the evolutionary process and discuss what the potential next steps are in this journey. Are real time fully underwritten decisions an achievable goal?

Description: This article is about the concept of the Sentinel Effect SE—that selfselection process which directs unhealthy insurance applicants to apply for coverage at amounts where testing is not done, thereby minimizing the chances that their afflictions will be discovered.

Description: The SOA Research Institute engaged Milliman to perform a study examining life insurer practices on accelerated underwriting and how COVID-19 has impacted them. This effort included a separate outreach to actuaries working for twelve different state insurance departments. At the time of this report, three responses to our regulatory survey had been received. Therefore, the results of the three-question survey are discussed in broad terms, rather than using numerical measurements.

Description: Summary of current state of A&H reinsurance business.

Description: Breakout Sessions 1A: The Fundamentals of Pricing for Underwriters