Description: This discussion on individual insurance policy plans and rates looks at revisions made in mortality, interest and expense assumptions in recent changes in participating and non-participating premiums for life insurance and supplemental benefits. Also discussion of advantages and disadvantages of issuing to women a special life insurance policy, or class of policies. Finally, a discussion of the safeguards placed on the conversion of family income and decreasing term insurance riders to permanent insurance and the experience on such conversions?

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: Some insurance products on the market today accelerate the death benefit by paying a portion of the benefit before death under certain prescribed conditions. The more common of these products are long-term-care and dread disease riders to life policies. This paper presents generic formulas for calculating the cost of morbidity that would be multiplied by the policy's net amount at risk in an asset share pricing calculation. From Transactions of Society of Actuaries 1990, Vol. 42.

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 objective of this paper is to demonstrate that the long-term trends in the rate of company expansion affect policyholder costs and estimate the amount of the impact. Followed by several discussion papers submitted

Description: This discussion at an SOA 1968 Regional Meeting covers premiuims and dividend determination methods for individual ordinary insurance, new product ideas such as nonsmoker policies, profit analysis methodologies, and methods for comparing products of different companies.

Description: These are responses to Richard Ziock's work, Gross Premiums for Term Insurance with Varying Benefits and Premiums.

Description: Discusses considerations in preparing rate books and policy forms based on the 1958 CSO Table, the advantages and disadvantages of early adoption of premium rates and values based on the 1958 CSO, and premium structures - banding, policy fees, etc.

Description: This discussion is about the new procedures that are being used or are contemplated in the preparation of new rate books and policy forms with reserves and cash values computed under the 1958 CSO Table.

Description: This paper will use a sample example to examine the relationship between the pricing objective of ROI and the corporate profit measure of ROE. From Transactions of Society of Actuaries 1987, Vol. 39.