Description: Discusses the natural history of AIDS and some of the impact on underwriting, the methods for projecting the epidemic from both a population and insurance standpoint, the potential of the AIDS epidemic in terms of reinsurance and solvency reserves. From the 1988 Record of Society of Actuaries, Vol. 14, No. 2.

Description: This panel discussion is from the 1991 Meeting of the Society of Actuaries, held May 16-17 in New York. The panelists review mortality experience studies and research and underwriting practices, discussing topics including smoker vs. non-smoker mortality, differences by sex, and medical impairments. Discussion from participants is included. From the Record of Society of Actuaries, Volume 17, No. 2.

Description: This session from the 2003 SOA Orlando Meeting discusses the measures that are being taken to make underwriting requirements less stringent addressing simplified issue underwriting and table-shaving programs and the issues in developing products for these markets. From the Record of the Society of Actuaries, Volume 29, No. 3.

Description: Panelists discuss recent trends in individual life mortality experience, especially for preferred risks, and the impact of agent selection and underwriting exceptions on a company's mortality results. From the 1997 Record of Society of Actuaries, Vol. 23, No. 3.

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: Presented at October 1985 Annual Meeting. This session discussion is about types of substance misuse, impact of substance misuse on mortality and morbidity, identification and screening techniques and technology, underwriting techniques.

Description: This discussion at the SOA 1997 Palm Desert Spring Meeting looks at issues related to second-hand smoke including the negative health effects and underwriting implications.

Description: Results of a company practice survey is presented. Among the areas to be addressed include the structure of accelerated underwriting programs, how programs are monitored, how accelerated underwritten business is performing relative to expectations, and how companies are considering accelerated underwriting cohorts in the context of VM-20 assumption setting.

Description: Panelelists at this session at the SOA 1998 Maui I Spring Meeting present their thoughts on how life and disability risk assessment and underwriting might be performed in the 21st century. Focus is on how technology can change and speed up the process.

Description: Presented at May 1996 Spring Meeting. This panel shows how underwriters can use technology to obtain low-cost/high-value underwriting information and dramatically improve productivity. New screening tests and modification of standards for international markets are also discussed.