Description: This discussion focuses in particular on changes in assessment of build and blood pressure risk and war risk.

Description: Discusses underwriting classification trends, term vs. permanent mortality experience with and without medical exams, mortality and lapse experience of military personnel, factors in addition to insurability which should be taken into account by underwriters - such as lapse risk. Also discussed are health underwriting and underwriting expenses.

Description: This session at the SOA 1962 Jacksonville and Chicago Regional Meetings discussed current underwriting issues including the numerical rating system, mortality experience, and underwriting for pilots and immigrants.

Description: This article is part of the Digest of Informal Discussion, which took place at the 1956 Society of Actuaries Eastern Spring Meeting, held April 19-20 in Hartford, CT. It identifies the participants and summarizes each person’s comments. The participants discuss various issues around guaranteed issue insurance, including companies writing it, restrictions deemed necessary such as preunderwrting as to eligibility, maximum/minimum insurance limits, and minimum number of lives use of special rate bases, dividend classifications, and commission scales expected experience and tendency of better risks to terminate and impaired lives to remain. From Transactions of Society of Actuaries 1956 Volume 8, Number 21.

Description: This discussion focuses on underwriting for war risk including antiselection issues, the advantages and disadvantages of a permanent war clause in policies, and insuring combat and non-combat related aviation hazards.

Description: Discussion of the following underwriting topics: A. In view of the low rates of mortality currently experienced on standard lives, is the standard classification too narrow? B. Do substandard extra premiums at the lower ratings make fair provision for the additional expenses incurred on substandard policies? C. What problems are encountered in issuing life insurance on persons residing outside the continental United States and Canada? D. What changes have been made recently in non-medical selection and why? E. How could greater use be made of mortality or morbidity studies conducted by hospitals, clinics, government agencies, universities and others outside of the life insurance business?