Description: This session at the SOA 1990 San Francisco Spring Meeting presents an overview of risk classification, what principles define a sound system, changes in underwriting due to expert system technology, and determining the value of laboratory tests.

Description: 1981 Report covering the period 1978 - 1980 presents statistics on the accidental fatality experience of various sports and sports-related occupations.

Description: This report presents the results of the Survey on Business Decision practices of reinsurers conducted by the Society of Actuaries Committee on Life Insurance Mortality and Underwriting Surveys . A survey of direct writers of life insurance is reported separately.

Description: Isolated T-wave abnormalities - that is, abnormal T waves in an otherwise normal electrocardiogram - are a difficult finding to evaluate and one on which there is no unanimity, either on their significance or on what constitutes an abnormal T wave. In this study, the author has concluded that even minor T wave abnormalities require a rating and that T-wave abnormalities almost always indicate heart disease is present or will soon become manifest.

Description: This is a panel discussion on individual life insurance underwriting principles and practices that occurred in 1976. It discussed a paper by Alton Morton entitled Individual Life Insurance Underwriting Principles and Practices: A 1976 Review.

Description: In May of 2006 the Life Insurance Mortality and Underwriting Survey Committee of the SOA surveyed both reinsurers and direct companies about their practices with respect to making business decisions in the underwriting process. This article highlights the comparison of the results of the two surveys.

Description: This is a report on Phase 2 of a research project on the role of automated systems in life insurance underwriting. This paper discusses: 1. How and why companies are using automation to make underwriting decisions. 2. Its impact upon operational efficiency, sales, and retention. 3. The quality of risk selection produced by automated systems. 4. Cultural acceptance of increased automation in underwriting. 5. Challenges insurers must overcome to implement and maintain automated underwriting.

Description: The purpose of this survey was to gather data on how a sampling of the life insurance industry makes decisions involving lab tests. This most significant conclusions were that protective value was the biggest driving force and the chief underwriter played the biggest role.

Description: 1993 SOA Annual Meeting in New York. This session is about risk-appraisal techniques for the 21st century. Topics Include: 1. Some approaches that companies take and some issues that companies face in establishing preferred-risk underwriting programs. 2. Marketing, product design, and underwriting considerations for joint and second-to-die life insurance products. 3. Establishing assumptions for preferred-risk programs as well as some of the marketplace issues that need to be considered. 4. Expert underwriting systems. 5. The need for consistency in underwriting. 6. Developing trends in testing techniques and how those trends can be utilized in the underwriting process.

Description: These assumption tables provide the range and cumulative values used in the Relative Risk Tool in the calculation of Relative Risk scores and Prevalence values.