Description: This is a discussion from the Dallas Regional Meeting 1961 covering: 1. The extent to which reductions in whole life and term insurance premium rates are due to better mortality, lower expense, higher interest earnings and reduction in company profit margins 2. Graded premium scales issues 3. FIT assumptions.

Description: This is a general discussion reviewing the adaptation of machines and procedures for small companies utilizing the punch card method. The discussion also explores the topic of a waiver for premium disability in all policies and if current term premiums make fair provision for their share of overhead expenses. From Transactions of Society of Actuaries 1951, Vol. 3, No. 6.

Description: A five-factor individual life expected profit formula is presented in this paper, with first-year lapse rate and amount of insurance as variables. The formula is appropriate for a single age-plan-sex cell.

Description: Discusses reasons for recent extensive industry changes in premium rates and expected trends, merits of different types of federal income tax treatment in financial statements, and discussion of merits of proposed state regulations regarding classification and allocation of income and expenses.

Description: This discussion is about the increasing unit expense rates even in light of increases in insurance amount, simplified procedures and greater mechanization, methods to allocate agency expenses in to the premium structure and the importance considerations in determining the level of gross premiums. From Transactions of Society of Actuaries 1961 Vol. 13 pt. 2

Description: These discussions at the 1967 New York and New Orleans Regional Meetings are about considerations in choosing interest assumptions and challenges presented when comparing investment yields among companies.

Description: In this paper the author discusses pricing insurance products in the larger framework of company planning and management. The author also presents a generalized description of the pricing function, which is applicable to any insurance company product. The author discusses the relationship of the premium formulation function to the management of an insurance company, balancing the requirements of management, shareholders, policyholders, and marketing personnel. Includes discussion and author’s review of discussion. From Transactions of Society of Actuaries 1982 Volume 34.

Description: This informal general discussion session was centered around ordinary insurance, the size of ordinary policies, mode of premium payment, and juvenile policies.

Description: This discussion at a 1967 Regional Meeting is about methods of allocating investment income using the investment year method, the treatment of unrealized capital gains, considerations in choosing interest assumptions, and challenges presented when comparing investment yields among companies.

Description: This discussion on premium differentials examines if a graduation of premium rates by policy size is feasible or desirable as well as if it is practical to give lower premium rates to females.