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

Description: This paper looks at the development of life insurance premium rates based on their policy size, and the methods for doing so. Discussions of this paper are included.

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

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

Description: This discussion examines the effect continued inflation has on the pricing process. Additionally, if the current dividend scales should be hedged for future inflationary impacts and if there is a change in product demand or sales as a result of inflation. From Record of Society of Actuaries, Vol. 1, No. 2.

Description: The article highlights key considerations as companies begin to reserve for their IUL products under PBR.

Description: Presented at May 2002 Spring Meeting. This session addresses the important elements in designing preferred risk products. Theoretical and pragmatic approaches to establishing a sound policy for setting underwriting requirements and mortality assumptions are discussed, including the real mathematics of preferred risk classification, distribution of risk profiles by age and the key elements of age-specific underwriting.

Description: Presented at May 1996 Spring Meeting. The session focuses on pricing and product design in emerging insurance markets in an inflationary or devaluation-plagued environment.

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.