Description: This report has been assembled by the Task Force as a comprehensive guide to practicing actuaries in evaluating the impact of AIDS on the solvency of life and health insurance companies in the US and Canada. From Transactions of Society of Actuaries 1988, Vol. 40, Pt. 2.

Description: Discusses the natural history of AIDS and some of the impact on underwriting, the methods for projecting the epidemic from both a population and insurance standpoint, the potential of the AIDS epidemic in terms of reinsurance and solvency reserves. From the 1988 Record of Society of Actuaries, Vol. 14, No. 2.

Description: This presentation from the 1995 SOA New York Meeting covers AIDS, where the disease is now, how the forecasts compare to what has actually happened and the current impact on pricing. From the Record of the Society of Actuaries, Vol. 21, No. 2.

Description: This paper discusses a brief history of policy loans, a description of the problems being experienced by companies and possible solutions. A discussion of the paper follows. From Transactions of Society of Actuaries 1977, Vol. 29.

Description: This 1979 session is about Non-Smoker Policies. Topics covered: 1. What data are available? How significant are they? 2. What are the effects of cigarette smoking on health? 3. In what ways can people be educated to stop or not start smoking cigarettes? 4. What are the possible policy implications of the foregoing for the life and health insurance business? 5. For policies with nonsmoker discounts, what are the pricing implications with respect to: a. Nature of the discount -Should it be guaranteed? b. Effect on standard class pricing? Deficiency reserves? Reinsurance? c. Competitive impact? 6. The application form: Information needed, and how do you get it?

Description: This paper is an attempt to examine transmission and incubation period models. Results are used to estimate the risk of HIV+ exposure of an individual company and the resulting reserve needs. From Transactions of Society of Actuaries 1989, Vol. 41.

Description: This panel discussion is from the 1991 Annual Meeting of the Society of Actuaries, held October 20-23 in Toronto. The panelists discuss the National Association of Insurance Commissioners [NAIC] development of a risk-based capital requirement, and the Canadian Life and Health Insurance Association [CLHIA] Minimum Continuing Capital and Surplus Requirements [MCCSR]. They discuss the history of risk-based surplus, recent developments in Canada and various US states, the rating agencies, bank and international requirements, impetus for change, regulatory activity, and the limitations and difficulties of a mandated industry wide formula. Discussion from participants is included. From the Record of Society of Actuaries Vol. 17, No. 4A.

Description: This paper reviews the current state of the AIDS epidemic and the impact on non-drug-using heterosexuals. This paper shows that for most heterosexuals, the risk of becoming infected with the AIDS virus by sexual contact is insignificant compared with many other risks of life. The paper presents some recommendations for AIDS education and other perspectives. From Transactions of Society of Actuaries 1992, Vol. 44.

Description: 1993 SOA Annual Meeting, New York. This session discussion is about the impact of RBC on product design. Topics included: 1. An overview of the regulatory aspects of RBC. 2. How to incorporate RBC into the pricing of insurance products. 3. The small company perspective 4. The application of marginal RBC analysis. 5. A preliminary analysis on RBC covariance between product lines.

Description: This session from the 1983 SOA Spring Meeting focuses on adding a new line of business in an established company, reasons to consider adding a new line, the resources needed for the line and the performance measures to assess profitability. From Record of Society of Actuaries Vol. 9, No. 1.