Description: This panel discussion session looked at recent and proposed regulation of life insurance underwriting. Specific topics included: i. Problems with traditional underwriting classifications: privacy, disclosure, anti-discrimination, etc. 2. New and acceptable classifications: smoking, lifestyle, build, blood pressure, finances, etc. 3. Possible transition problems: existing policies, persistency, coordination of previous data with newer classes, etc.

Description: The panel discussed conservation strategies for permanent and term insurance. Topics included: 1.Impact on in-force business from new products e.g., continuous reduction in ART rails, non-smoker discounts, universal life: increased policy loans?, replacements?, lapses?, surrenders and _exchanges? 2. Responses from companies: e.g. extension of new cost methods to existing policyholders?, Field compensation when replacing existing business?, internal conservation functions?, update programs policyholder/agent communication strategies? applicability of new products to in-force policyholders. 3. Interest groups which must be considered and differences between stock vs. mutual companies? e.g. Policyholder, agent/broker, management, stockholders, prospective policyholder, legal/regulatory forces IRS, SEC, state insurance departments. 4. Appropriate financial considerations and anticipated results? Is stonewalling a viable alternative? GAAP effects statutory effects use of reinsurance field force compensation/survival, anticipated future mortality results, Federal Income Taxes.

Description: This presentation, session number 42TS, took place at the 1999 Spring Meeting of the Society of Actuaries, held June 16-18 in Seattle. This teaching session discusses various nontraditional reinsurance solutions, along with their advantages and disadvantages, that are designed to address group insurance issues. Solutions include finite reinsurance, stop-loss, and surplus relief. Discussion from participants is included. From the Record of the Society of Actuaries, Vol. 25, No. 2.

Description: This presentation was session number 31PD at the 2000 Annual Meeting of the Society of Actuaries, held October 15-18 in Chicago. As opposed to reserves, benchmark surplus, and its supporting assets, relatively little attention is paid to free surplus and its supporting assets. The panelists approach these assets “as a portfolio to be managed with its own set of performance goals, risk tolerances, and characteristics, including issues and alternatives for managing unallocated free surplus.” Topics include diversification, setting asset and liability risk tolerances and adjusting risk in the portfolio, performance goals for the portfolio, impact of mergers, acquisitions, and divestitures, and the use of internal capital formulas to drive growth. Discussion from participants is included. From the Record of the Society of Actuaries, Volume 26, No. 3.

Description: This is a discussion from the June 2000 meeting of the Society of Actuaries in San Diego, looking at the evolution of e-commerce for the insurance business.

Description: Presented at May 2002 Spring Meeting. This session covers NAIC 2001 changes to RBC requirements, the impact they have had on regulators, the rating agency reaction and proposed changes for 2002.

Description: Panelists discuss the U.S. statutory and GAAP reserving, and risk-based-capital [RBC], requirements associated with guaranteed minimum death benefits [GMDBs], guaranteed living benefits [GLBs], and enhanced-earnings riders available with variable annuity [VA] contracts. From the 2002 Record of Society of Actuaries, Volume 28, No. 3. Session 142OF of the Boston Annual Meeting.

Description: This session discusses what is happening outside of CDHP with respect to plan & benefit trends/designs, underwriting & operational issues, and executive management report packages [dashboard reports]. From Record of Society of Actuaries, Vol. 30, No. 1, Session 77

Description: Presented at May 2005 Spring Meeting. Panelists discuss the insuring of the aging population in respect to assessment of the health of the insured and resulting mortality costs.

Description: This session is from the 1976 Society of Actuaries Annual Meeting in Toronto in October. The presenters cover the following Group Insurance topics: Survivor Income Group Life Insurance, Long Term Disability Insurance, Dental Insurance, Health Insurance, and new products and development.