Description: This discussion on individual insurance policy plans and rates looks at revisions made in mortality, interest and expense assumptions in recent changes in participating and non-participating premiums for life insurance and supplemental benefits. Also discussion of advantages and disadvantages of issuing to women a special life insurance policy, or class of policies. Finally, a discussion of the safeguards placed on the conversion of family income and decreasing term insurance riders to permanent insurance and the experience on such conversions?

Description: This is the digest from the informal discussion reviewing the 1951 Impairment study. It is the latest in a series of studies covering mortality of impaired risks. It covers the experience under Ordinary insurance issued from 1935 to 1949 traced to the anniversaries in 1950. Standard and substandard policies were studied separately.

Description: This discussion on statistical analysis and group insurance examines the use of Reports of Mortality and Morbidity by smaller companies, practices followed to obtain a satisfactory experience with group accident, sickness and group hospital, surgical and medical coverages. From Transactions of Society of Actuaries 1955, Vol. 7, No. 18.

Description: Topics will include the tricorder, telomeres and more

Description: This general discussion looks at problems or solutions developed in the field of agents' compensation, considerations leading companies to recent reductions in individual annuity rates, trend to offer first year cash values, increasing demand for the issuance of insurance at ages up to 70 and beyond, and if the SOA should give consideration to elective subjects in the Fellowship exam.

Description: This article is from the Digest of Informal Discussion, Transactions of Society of Actuaries 1956 Volume 8, Number 20. The discussion identifies the participants and summarizes each person’s comments. The participants discuss: records and accounting of the varied types of Group Accident and Sickness coverage practices of group insurance policyholders with respect to the continuation of coverage on their retired employees, for life and other group coverages and with respect to small [under 50 lives] groups, types of benefits available, and underwriting, administrative, and marketing issues.

Description: Discusses the extent to which various influences are reflected in premiums, dividends and settlement options: improved mortality, interest rate trends, federal taxes, agent compensation and increasing expenses.

Description: This discussion looks at the trends in the use of salary and other financing plans for new agents, steps taken to effect change to a commission basis after an introduction period on salary, and what steps are taken in starting new agents under present cost of living conditions.

Description: This discussion looks at the effect on smaller companies with the introduction of low-cost policies with high minimum amounts, how smaller companies have used the 1951 Impairment Study in their underwriting, and if the lower ratings announced by companies for aviation risks are an indication of enlargement of the standard and substandard classes for rating purposes. From Transactions of Society of Actuaries 1955, Vol. 7, No. 18.

Description: Discusses: family group policies, company changes made in connection with small policies to counteract the increase n administrative costs, experience under juvenile policies that provide full coverage from date of issue, experience with reflecting policy size in premiums and dividends, adjusting age on male premium rates and values for female policyholders, and issue regarding supplemental term coverage and nonforfeiture values.