Description: This panel discussion focuses on expense analysis and allocation. Areas addressed include standard of measure used, inconsistencies in expense allocations, and alternate methods of allocation of marketing expenses.

Description: This panel discussion is from the 1991 Meeting of the Society of Actuaries, held May 16-17 in New York. Recognizing that over the past few years, pricing actuaries have increasingly adopted marginal expense assumptions in pricing, the panelists discuss strategy and pricing considerations, including marginal strategies, fixed versus variable costs, and treatment of corporate overhead. Discussion from participants is included. From the Record of Society of Actuaries, Volume 17, No. 2.

Description: This is a discussion about smaller health insurance companies and if they are able to compete successfully in individual health insurance. Also included is a discussion regarding agency development. From Transactions of Society of Actuaries 1963 Vol. 15 Pt. 2

Description: This discussion looked at: A. Problems relating to agents' compensation and other expenses arising from the increased proportion of term insurance being currently issued and from the sale, at commission rates lower than those under the regular series, of special policies with a large minimum amount, and of smaller regular series policies. B. The advantages and disadvantages of freely making quotations for special plans not in the rate book.

Description: Panelists address expense assumptions for a new company, and also for an existing company in changing situations such as a new product line, new distribution system, or new market. From the 1988 Record of Society of Actuaries, Vol. 14, No. 4A.

Description: The panel discusses the recent expense rate experience of smaller companies, the anticipated expense rate changes for the near future and actions taken to keep expense rates down. From Transactions of Society of Actuaries 1959, Vol. 11, No. 29 AB.

Description: Conceptual discussion of the financial crisis in our life insurance distribution systems including the cost of developing an agent, the retention of the agent and production/productivity of the agent and agent compensation issues

Description: This is a discussion about life insurance expenses. From Transactions of Society of Actuaries 1962, Vol. 14 Pt. 2

Description: From the Record 1977 Vol. 3, No. 3, this presentation is from a concurrent session at the Society of Actuaries 1977 Regional Meeting, held in St. Louis June 16-17. In this presentation the panelists address life insurance company expenses. Analysis of expenses, including standards against which they are measured, and expense allocation are discussed. Inconsistencies in allocations for different purposes, e.g. statutory vs. GAAP, and pricing vs. financial reporting, as well as allocation of marketing expenses, are also discussed.

Description: This discussion examines the recent expense rate experience of smaller companies. From Transactions of Society of Actuaries 1959, Vol. 11, No. 29 AB.