Description: This discussion at an SOA 1968 Regional Meeting looks at research on agency operations and actuarial involvement.

Description: This discussion seeks to determine if: 1. Is there justification for paying higher rates of commissions to experienced agents? 2. Is grading of commission rates by size of policy appropriate for Ordinary insurance? 3. In what ways have normal commission scales been modified in connection with the sale of permanent insurance on the minimum deposit plan? 4. What practical methods are available to maintain consistency between the levels of commission payments for pension plans funded by means of individual policies and group annuities?

Description: This is a discussion of the paper, National Service Life Insurance by William A. Poissant. From Transactions of Society of Actuaries 1950, Vol. 2, No. 4.

Description: This paper, a study of Canadian life insurance company expenses, is regarded by the author, Arthur Pedoe, as a continuation of his earlier study presented to the Society of Actuaries in 1952 TSA IV, 485. In examining various expense trends the author emphasizes what he feels to be useful, namely an overall expense ratio defined as actual to expected total company expenses. The paper and ensuing discussion explore how expected expenses should be determined, as well as examining trends in group business expenses, among other topics. From 1961 Transactions Vol. 13, No. 35 AB.

Description: This report presents a new set of select and ultimate expected individual life insurance lapse tables, based on inter-company experience of standard ordinary business between 1971-1972 policy anniversaries. Discussion includes overview of how the data was collected and how the tables were constructed and how they should be applied in practice.