Description: Discussion of the extent to which current SOA studies are useful and in what ways and their shortcomings.

Description: This paper proposes a new mortality table as a minimum reserve standard for individual annuities - the 1971 Individual Annuity Mortality Table, '1971 IAM Table,' which is given herein. The construction of the new table is described and it is compared with current valuation standards.

Description: Accelerated underwriting programs continue to evolve at a rapid pace. Triage systems have become a key element in many of the newer accelerated underwriting programs in the market. Depending on the criteria used at the triage point, these programs can have residual effects on class prevalence and mortality which in turn affect the profitability of these programs. In this article we will explore some potential impacts on mortality and prevalence within these programs.

Description: This article provides a very high level overview of accelerated underwriting programs and their history in the US marketplace. It then discusses setting up an actuarial control cycle for such products and some items related to risk management that are helpful in this setting. Pros and cons of retrospective studies, random holdouts, targeted holdouts and post issue analysis are discussed. A mathematical example of how to estimate the mortality impact of such programs from early emerging experience is provided.

Description: A discussion of the Society of Actuaries study of Mortality Under Standard Individually Underwritten Life Insurance Between 1995 and 1996 Policy Anniversaries.”

Description: Table of Contents.

Description: Article from The Actuary February 1993 Volume 27, No. 2 highlights experience study on mortality from uninsured pension plans

Description: Covers the intercompany experience between 1960 and 1965 anniversaries.

Description: This report covers mortality Under Standard Ordinary Insurance issues between 1968 and 1969 anniversaries.

Description: This report presents the findings of the 1970 report on mortality on policies with large amounts. This study covers the experience between policy anniversaries in 1963 and 1968 in the first twenty-five policy years of the issues of 1939 and 1967.