Description: This is a discussion of the paper published by Charles A. Ormsby titled, 'The Cost to Reinsure Individual Life Insurance Policies'. Discussion includes: 1. Given that reinsured business has higher mortality than non-reinsured business, why would companies issue it, 2. Suggestion that when costs of reinsurance are considered, reserves should be substituted for cash values to determine the 'statement costs', 3. Cost of reinsurance for a mutual company.

Description: Discussion of work site mortality— including risk classification and underwriting methodology decisions which affect the appropriate mortality assumptions

Description: Presented at May 2002 Spring Meeting. Discusses the most reasonable profit measures and how they can be interpreted in various environments.

Description: Generalized Mortality Table Analysis: Discussion of the search for alternative mortality tables other than the 1975-80 and 1990-95 tables, which may be more appropriate for a particular company or specific products

Description: This paper explores the principles upon which experience-rated group insurance currently is based and discusses the question of whether or not these principles are sound. Followed by discussion papers submitted by several authors

Description: Discusses the extent to which various influences are reflected in premiums, dividends and settlement options: improved mortality, interest rate trends, federal taxes, agent compensation and increasing expenses.

Description: Article on mortality anti-selection - different versions of the Dukes/MacDonald approach to measuring mortality anti-selection resulting from high lapse rates and/or term products with explicit re-entry provisions.

Description: Discussion of the Society of Actuaries Report on Mortality Improvement Survey from March 2003 survey from the summer of 2000

Description: This is a discussion from the Dallas Regional Meeting 1961 covering: 1. The extent to which reductions in whole life and term insurance premium rates are due to better mortality, lower expense, higher interest earnings and reduction in company profit margins 2. Graded premium scales issues 3. FIT assumptions.

Description: The purpose of this paper is to examine the various profit objectives used in the development of a new product for a stock life insurance company. From Product Development Section Monograph, M-AS99-3.