Description: This discussion covers the trend in and future outlook for first year and total field margin ratios under Section 213 of the New York law. From Transactions of Society of Actuaries 1961 Vol. 13 pt. 2

Description: This is an article about The SOA’s Committee on Life Insurance Company Expenses CLICE and its completion of its fourth inter-company study of expenses for individual life and annuity business issued in the United States.

Description: Experience-study instructions to contributors. Looks to develop inter-company information about expenses for many types of individual [not group] life and annuity products.

Description: This report documents the results of the Committee’s third expense study – the 2003 SOA Individual Life and Annuity Expense Study.

Description: Highlights from the 2002 Inter-Company Expense Study of U.S. Individual Life Insurance and Annuities.

Description: The purpose of this article is to discuss some concerns the author's company has had in administering first-dollar reinsurance and to raise awareness of issues you may wish to consider for your reinsurance arrangement.

Description: This paper looks at the following cases: 1. DOING BUSINESS BY MAIL SERVICE OF PROCESS: Travelers Heath Association v. Virginia, 2. AVIATION EXCLUSION FAILURE OF INSURED TO SIGN RESTRICTIVE RIDER: McDaniel v. California-Western States Life Insurance Company, 3. WAR RIDER WAIVER BY ACCEPTANCE OF PREMIUMS: White v. New York Life Insurance Company, 4. MISREPRESENTATION IN APPLICATION MINORS BINDING EFFECT: Modern Woodmen of America v. Stevens, 5. DISABILITY BENEFITS INSANITY AS EXCUSING NOTICE: Chagnon v. Metropolitan Life Insurance Company, 6. AGENTS' COMPENSATION AMOUNT NOT AGREED TO IN ADVANCE: Metropolitan Life Insurance Company v. Durkin, 7. GOVERNMENT ALLOTMENTPAYMENT OF PREMIUMS IN ERROR: Atlas Life Insurance Company v. Davis, 8. EFFECTIVE DATESUBSTANDARD INSURANCE: Republic National Life Insurance Company v. Hall.

Description: This discussion looks at expense rates, inflation, and its effect on premiums. Also discussed are the issues that insurance companies may face as a result of the threat of severe manpower shortages.

Description: This presentation is from the Digest of Informal Discussion, Transactions of Society of Actuaries 1955 Volume 7, Number 17. The speakers discuss per policy expenses. Topics include identification of expenses directly dependent on number of policies, impact on determining premium rates and dividend scales, use of policy fees, interaction with other assumptions, and methods in the U.S., Canada, and other countries to grade premiums by policy size.

Description: The author describes why expense management is critical in the insurance industry, especially with a superabundance of inflation driven forces threatening the life insurance industry.Expenses need current and constant attention because a if ignored, a small expense problem will almost inevitably rise to major significance, and b expense control is a measure of the effectiveness of management in difficult times.