Description: The purpose of this survey was to gather data on how a sampling of the life insurance industry makes decisions involving lab tests. This most significant conclusions were that protective value was the biggest driving force and the chief underwriter played the biggest role.

Description: Shows how to use personal information such as medical history, family characteristics, etc. in a logical statistical fashion for the purpose of modifying an existing mortality table to reflect the collected underwriting information.

Description: This paper covers two topics of discussion within the insurance field: Medical Expense Insurance and Underwriting. From Transactions of Society of Actuaries 1959, Vol. 11, No. 31.

Description: Isolated T-wave abnormalities - that is, abnormal T waves in an otherwise normal electrocardiogram - are a difficult finding to evaluate and one on which there is no unanimity, either on their significance or on what constitutes an abnormal T wave. In this study, the author has concluded that even minor T wave abnormalities require a rating and that T-wave abnormalities almost always indicate heart disease is present or will soon become manifest.

Description: This report presents the results of a survey conducted in August and September of 2008 on foreign travel underwriting practices of direct writing companies.

Description: This report presents the results of the Survey on the Business Decision practices of direct companies conducted by the Society of Actuaries Committee on Life Insurance Mortality and Underwriting Surveys. A survey of reinsurers is reported separately.

Description: Presents the results of a survey to explore practices that underwriters utilize in both formal and informal ways to assess older age applicants.

Description: This report documents the work of the UCT with respect to development of an algorithm used to score preferred risk class structures, producing Relative Risk Scores and Prevalences. It is built for both knockout and debit-credit scoring methodologies.

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.