Description: This presentation from Session 20PD of the SOA 1996 Orlando Annual Meeting examines the major trends in insurance laboratory testing from 1980 to 1985, with an emphasis on why blood testing thresholds were lowered dramatically in the mid-1980s and why those thresholds will persist into the next century. The value of liver function testing is examined as a case study in protective value. Issues addressed include: 1. What is the real impact of human immunodeficiency virus [HIV]-1 testing [sentinel effect]? 2. The unique pay-offs from liver function tests, 3. Clinical medicine mortality versus underwritten mortality: overcoming problems caused by different perspectives, and 4. Cotinine pays the freight? From the Record of the Society of Actuaries, Vol. 22, No. 3.

Description: 1993 SOA Spring Meeting, Boston. This session is about underwriting, including new testing techniques, AIDS update, preferred risk selection, and current topics of interest.

Description: Discusses: [1] using blood tests effectively to improve mortality results, [2] using expert underwriting systems, and [3] what the future may hold for genetic underwriting. From the 1988 Record of Society of Actuaries, Vol. 14, No. 4A.

Description: Presented at May 1996 Spring Meeting. Results of the recently completed survey on preferred risk criteria for individual ordinary life insurance are presented, with a discussion of limitations of results and implications for pricing actuaries, underwriters and reinsurers.

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: 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: Presented at May 2005 Spring Meeting. This session explores new underwriting criteria, including the following topics: What's new in simplified underwriting, Speed to decision, Electronic databases, Teleunderwriting, Prescription drug underwriting, Results analysis, Implementation.

Description: Presented at October 1996 Annual Meeting. Discusses the latest developments in underwriting and their potential impact on mortality, and the most recent mortality statistics.

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: From a session at the Spring regional meeting of the Society of Actuaries held in Atlanta, Georgia, May 24-25, 1999 Panel examines differences in risk assessment and underwriting that may be involved with doing business in a foreign country.