Description: Panelists at this session of the SOA 2001 Toronto Spring Meeting discuss incorporating reinsurance costs into the pricing of their retail products. Panelists also discuss the different effects of various reinsurance arrangements.

Description: This is a discussion of indexed coverages for individual contracts. It covers such topics as the history of indexed coverage in the U.S. and Canada and other countries and the possibilities for the ideal fully-indexed permanent life insurance and disability income plans.

Description: It is the purpose of this paper to include in our Transactions a description of a method for deriving premiums for renewable term insurance of contemporary design, under conditions where experience under such insurance is not available. From Transactions of Society of Actuaries 1958, Vol. 10, No. 28.

Description: A discussion of the need to search for alternative mortality tables other than the 1975- 80 and 1990-95 tables to use as the base table, which may be more appropriate for a particular company or specific products.

Description: Reviews Dr. Belth's level price method for comparing the costs of two different cash value life policies.

Description: Discusses pricing assumptions – including expenses, mortality, investments, persistency, and margin for adverse deviation – for various life products and other situations. From the 1987 Record of Society of Actuaries, Vol. 13, No. 2.

Description: This panel discussion explores various pricing and profitability measures for individual life and health products and the effect of the company being stock or mutual.

Description: This paper estimates the acquisition and maintenance costs associated with life policies as a function of the amount of insurance and number of policies of an insurer by estimating a cost function for our sample of insurers.

Description: Discusses how competitive pressures are dramatically altering the distribution process for life insurance. Product pricing and client service are cornerstones in the changes to distribution.

Description: This paper presents a generalized profits released model which resolves the difficulties of the traditional analysis posed by products that have fluctuating profits and losses over time or have no initial investment. Discussions of the paper are included.