Description: This is a discussion about substandard mortality vs. standard mortality and the effects it will have on substandard premiums. Topics included: A. Statistical evidence on the trend of substandard mortality. Does it generally follow the trend of standard mortality? B. Effect this should have on substandard extra premiums. C. Does a lowering of substandard extras require any changes in underwriting rules, either as to the range of substandard classes or as to the ratings applied to some of the major impairments?

Description: This is a discussion about various underwriting issues including broadening the standard class at younger ages, overinsurance, mortality experience on guaranteed and automatic issue and taking smoking habits into account in underwriting life insurance risks. From Transactions of Society of Actuaries 1962, Vol. 14 Pt. 2

Description: This article lists the following topics of current interest that were discussed at the 19th International Congress of Actuaries held in Oslo, Norway from June 19 to June 24, 1972: 1. Life and pension insurance with variable sums insured or variable premiums, 2. Methods of forecasting the development of an insurance company during the next ten years, 3. Private pension schemes and social insurance, and 4. Problems connected with the actuarial treatment of the risk process of an insurance company. From Transactions of Society of Actuaries 1972, Vol. 24, Pt. 2D, No. 70.

Description: This paper presents considerably detailed death rates according to smoking habits and health status, based on the American Cancer Society Cancer Prevention Study I, which constitutes the largest body of data currently available for the study of smoking habits. From Transactions of Society of Actuaries 1987, Vol. 39.

Description: This paper and discussion is a review of the changes that have occurred recently in the basic principles that underlie the sale and distribution of individual life insurance including underwriting fairness, laws and regulations affecting discrimination, limitations in the underwriting process and competition. From Transactions of Society of Actuaries 1977, Vol. 29.

Description: Discussion of how operations research can address some fo the problems in insurance field and home office operations and applications to other types of problems. Can be applied to increasing efficiency of projects and processes.

Description: A review of recent trends in immediate non-refund annuity mortality and a presentation of a modification of the a-1949 Table with Projection Scale B which reflects these recent mortality trends. Followed by several discussion papers submitted

Description: This discussion looks at The Build and Blood Pressure Study and the effect build and blood pressure have on mortality. From Transactions of Society of Actuaries 1959, Vol. 11, No. 31.

Description: This discussion examines the following questions: Do current immediate annuity rates reflect present conditions as to mortality, interest, and expense? To what extent do statutory reserves that exceed gross premiums less expenses represent a serious problem? What is being done in the way of using generation type annuity rates for settlement options?

Description: Discussion of the preliminary findings of the Society of Actuaries Ad Hoc Committee on a New Build and Blood Pressure Study