Description: Discusses methods developed facilitating the calculation of deficiency reserves arising because of graded premiums or policy fees, The extent dividends and premium rates are determined by a company's own mortality or morbidity experience, problems posed for smaller companies by recent increases in nonmedical limits, and if High School Mathematics Contests have helped smaller companies obtain actuarial personel.

Description: This discussion explores lapse experience on business financed at or near issue through policy or bank loans, the amount such financed business is increasing or decreasing, and the extent the exercise of the Fifth Dividend Option in practice is being confined to policyholders interested in minimum deposit policies.

Description: This discussion looks at how the allocation of income tax by line of business is handled, how tax liability may be estimated for annual statement purposes and if it has been found desirable to employ special tax consultants.

Description: This discussion at the SOA 1962 Jacksonville and Chicago Regional Meetings focuses on family coverages and associated issues.