Description: This study provides 1970-1971 experience under loss-of-time policies.

Description: 1994 SOA Meeting, San Antonio. Panelists discussed actions they have taken or that need to be taken to produce a profitable individual DI product line. Comparisons were made to historical practices and results.

Description: This aticle discusses LTD claims experience and the effects of Social Security offsets and pre-existing clauses.

Description: A 1981 two-part study covering experience under individual loss-of-time policies in the first and second years of the benefit period.

Description: The report analyzes the results of a survey of LTD carriers in the United States, focusing on how LTD carriers reflect benefit offsets in the valuation of their reserves.

Description: 1959 SOA Regional Meetings in Atlanta and San Francisco. These discussions on pensions examined the advantages of funding deferred profit sharing plans through a life insurance company and the problems involved in final average retirement plans.

Description: This 1977 panel discussion focused on effective product management of life insurance. Topics included: 1. Definition of effective product management 2. Internal organization required 3. Establishment of objectives for a product line 4. Coordination of company activities with respect to initial design 5. Monitoring

Description: This panel discussion session focuses on individual disability insurance. Topics discussed include definitions of disability, review of experience, reserve adequacy, claim recognition, HIAA Special Disability Committee, presentation of Disability Termination Rates paper. 1979 Vol. 5 No. 3

Description: In this paper, a format for a two-dimensional actual-to-expected report based on terminations from disability claim status is presented. From Transactions of Society of Actuaries 1980, Vol. 32.

Description: Presented at June 1996 Spring Meeting. Inability to quantify the volatility in individual disability income insurance is one of the key reasons for loss experiences in the industry. Discussion covers: volatility measures for reserving, application of reserve adequacy criteria under various plan designs, application of volatility measures to pricing, and a test of the effectiveness of volatility measures.