Description: Discussion of issues of particular interest to small insurance companies. Includes the following topics: A. Considerations governing the mortality bases used in determining for ordinary insurance for nonparticipating premium rates and for dividends. Mortality studies available to assess the suitability of available mortality tables or modifications of them. B. Advantages and disadvantages of special termination dividends or special quinquennial dividends. C. Desirability and feasibility of having separate dividend scales for policies which include disability benefits, double indemnity benefits or both. D. Relative advantages of a three-factor dividend system versus an experience premium system. Discussion of how the latter is applied.

Description: These discussions at the 1959 Altanta and San Francisco Regional Meetings look at important considerations surrounding guaranteed insurability riders, also known as guaranteed purchase options, with respect to the development of benefit structures, premium levels and underwriting rules as well as problems in connection with reserves.

Description: This discussion at a 1959 Regional Meeting reviews computer applications with respect to underwriting and issue functions, auditing of medical claims, and in supporting group insurance operations.

Description: Discusses potential of imminent war, magnitude of risk, opinions regarding exclusion vs. inclusion of coverage in life policies, and anti-selection issues.

Description: This discussion on multiple lines looks at problems facing a small company on expanding its operations into one or more of the following fields: Group Life Insurance, Individual accident and health insurance, Group accident and health insurance, and pension trust business.

Description: Digests of following discussions: 1. Mutual life insurance companies - their objectives and operating philosophy 2. State, provincial, and municipal employee pension plans - financing and other problems 3. Mortality and underwriting of individual policies for large amounts 4. Investing during the 1970's 5. Long-range viability and regulation of corporate pension plans 6. Forecasting the environment for business 7. Liabilities and surplus in the 1970's 8. Changing modes of family life - work and income over the life cycle 9. The role of the actuary in collective bargaining 10. Health insurance in the United States 11. Adjusted earnings

Description: Accelerated underwriting is changing the world of consumer engagement. The newness and overhaul of these programs creates challenges for development, coordination and management. This seminar will take attendees through how the market is developing, the major pricing, underwriting, and marketing considerations, and what regulators are considering with regard to these programs. At the conclusion of this seminar, attendees will: • Discuss trends in accelerated underwriting • Understand the issues that arise when developing an accelerated underwriting program • Understand best practices in developing an accelerated underwriting program • Explain the impact of accelerated underwriting on underwriting, pricing, marketing and compliance

Description: Discusses the modification of underwriting practices because of the 1951 Medical Impairment Study, classification adjustments, competitive pressures on ratings and expansion of substandard business.

Description: This discussion seeks to answer the following: What new trends in marketing insurance are in prospect for the future? What are the prospects for life insurance to be marketed jointly with fire, casualty, and other lines of insurance? What new trends or innovations are showing up in the field of agency compensation? Is there a trend toward payment of premiums on a monthly basis?

Description: This discussion on agency compensation looks at the effect of the New York regulations, if compensation has kept pace with inflation, the effect of more term sales on compensation, and the effect of raising minimum amounts sold on very small policies.