Description: This discussion looks at steps insurance companies take to regain a greater share of the available savings dollars, developing trends toward a separation of the insurance and investment elements of life insurance contracts, as wells a the feasibility to make endowment and other investment-type contracts more attractive by reduction or redistribution of first year expenses.

Description: This investigation specifically covers the mortality for immediate single-life annuities issued in the United States and Canada during the years 1931-1947 inclusive and observed between 1946 and 1948 contract anniversaries. From Transactions of Society of Actuaries 1949, Vol. 1, No. 1.

Description: This article develops an approximate method for computing the death benefit portion of an annuity reserve for annuities, such as cash refund annuities. From Transactions of Society of Actuaries 1968, Vol. 20, Pt. 1, No. 56.

Description: This panel discussion reviews various viewpoints, actuary's, agent's, and regulator's views on equity products. From Transactions of Society of Actuaries 1969, Vol. 20, Pt. 2, No. 60.

Description: This paper looks at using an age adjustment to provide for anticipated future mortality improvements based on Ga-1951 Male Table. The use of a simple setback in age to provide for improving mortality has proven to be quite satisfactory and eliminates the expense of calculation and maintenance of voluminous projected tables. Followed by several discussion papers submitted

Description: Discusses the titled paper by McCarter regarding a new payout annuity mortality table and with projections.

Description: This is a discussion of the paper, 'Group Annuity Mortality' by Ray M. Peterson, which presents the Group Annuity Table for 1951 with projection factors. The paper is reviewed, an additional projection method is suggested with illustrations, discussion of the difficulties of using projected rates for premiums and reserves, and critiques are provided.

Description: It is the purpose of this paper to demonstrate how deposit and experience funds, in theory, develop and enter a dividend formula. Discussions of this paper are included.

Description: The aim of this paper is to examine relationships, analogous to that of premiums and reserves, for the case of a general insurance with benefits payable in respect to several forms of decrement. Specifically, this paper presents a system of splitting the total premiums and reserves into components related to the different benefits, with formulas distinguished between dependent and independent relationships between premium and reserve components. Discussions of this paper are included.

Description: This discussion looks at the changes that have taken place for insurance and annuities in light of the current higher level of interest earnings including the actuarial bases of premium rates, dividend schedules, policy reserves, and settlement option rates. From Transactions of Society of Actuaries 1959, Vol. 11, No. 29 AB.