Description: This general discussion looks at mortality experience with the advent of CSO tables, annuity premium tax, termination dividends, classes of agents included under Social Security, and conditions affecting companies entering the fields of disability income, accident, health, hospitalization and medical insurance.

Description: This discussion looks at: what period or combination of periods could reliably be used for valuation purposes, if the practice of applying the rate of disability to mixed lives in the construction of monetary tables is appropriate, and problems from the use of the assumed date at commencement of disability as contrasted with the use of the date at the end of the waiting period.

Description: This paper looks at how smaller companies are expanding their operations in the disability income, accident and sickness field, what the problems and the expectations of satisfactory financial results are and how the Society can assist members in the constructive development of this business. A discussion of waiver of premium riders on life insurance policies was also discussed.

Description: This is a discussion of the paper, Surgical and Medical Insurance by a Blue Shield Plan by Arthur Hunter and James F. Coleman. From Transactions of Society of Actuaries 1954, Vol. 6, No. 16.

Description: This paper describes a new major medical policy from The Equitable. The author describes the policy and discusses anticipated claims experience and the calculation of gross premiums. From Transactions of Society of Actuaries 1955 Volume 7, Number 17.

Description: This article is part of the Digest of Informal Discussion, which took place at the 1955 Society of Actuaries Eastern Spring Meeting, held March 24-25 in New York City. The article identifies the participants and summarizes each person’s comments. The participants discuss problems related to submitting data to the Committee on Experience under Individual Accident and Sickness Insurance, policy changes involving an increase in benefits insured, use of the ratio of actual to expected claims vs. the ratio of claims to premiums, and group valuation methods. From Transactions of Society of Actuaries 1955 Volume 7, Number 18.

Description: This article is from the Digest of Informal Discussion, Transactions of Society of Actuaries 1956 Volume 8, Number 20. The article identifies the participants and summarizes each person’s comments. The participants discuss recent developments in expanding major medical expense coverage under individual policies and group policies, and progress made in providing hospital, surgical and medical expense coverage beyond age 65. Guaranteed renewability and substandard issues are discussed.

Description: This discussion seeks to answer what reserves are required for individual accident and sickness policies, looks at the actuary's responsibility for experience analysis, discusses product development and policy change problems, and examines the major current developments affecting individual accident and sickness insurance.

Description: This paper presents the commutation functions and net premiums required for reserve calculations with specimen reserve tables. From Transactions of Society of Actuaries 1959, Vol. 11, No. 30 AB.

Description: This discussion at a 1959 Regional Meeting looks at issues related to health insurance coverage at older ages including levels of coverage, underwriting issues, expense levels, and renewability provisions.