Description: This discussion on premium differentials examines if a graduation of premium rates by policy size is feasible or desirable as well as if it is practical to give lower premium rates to females.

Description: This paper presents ratemaking for nonparticipating life insurance including the relationship between gross premiums and profit margins, suitable assumptions, a technique for evaluating in force business and demonstrating results using the methods. The paper is followed by a discussion. From Transactions of Society of Actuaries 1959, Vol. 11, No. 30 AB.

Description: A five-factor individual life expected profit formula is presented in this paper, with first-year lapse rate and amount of insurance as variables. The formula is appropriate for a single age-plan-sex cell.

Description: Discussion of the process for determining the premium for a life insurance product which pays the cash value in addition to the face amount upon death. This type of policy fulfills the specifications of a split-dollar or minimum-deposit sales approach. Followed by several discussion papers submited.

Description: This paper presents a short method of calculating, without approximation, substandard annual extra premiums based on the standard net amount at risk. The method proposed in this paper, is by means of specially constructed auxiliary commutation columns, eliminating the need for any summation, and producing exact values of any extra premiums by relatively simple formulas. A mathematical proof of the methodology is provided.

Description: This paper sets forth a method of estimating the present value of the cost of future nonvested commissions. It also provides a method of producing an agents' survival table. Followed by several discussion papers submitted