Description: This paper looks at the following cases: 1. DOING BUSINESS BY MAIL SERVICE OF PROCESS: Travelers Heath Association v. Virginia, 2. AVIATION EXCLUSION FAILURE OF INSURED TO SIGN RESTRICTIVE RIDER: McDaniel v. California-Western States Life Insurance Company, 3. WAR RIDER WAIVER BY ACCEPTANCE OF PREMIUMS: White v. New York Life Insurance Company, 4. MISREPRESENTATION IN APPLICATION MINORS BINDING EFFECT: Modern Woodmen of America v. Stevens, 5. DISABILITY BENEFITS INSANITY AS EXCUSING NOTICE: Chagnon v. Metropolitan Life Insurance Company, 6. AGENTS' COMPENSATION AMOUNT NOT AGREED TO IN ADVANCE: Metropolitan Life Insurance Company v. Durkin, 7. GOVERNMENT ALLOTMENTPAYMENT OF PREMIUMS IN ERROR: Atlas Life Insurance Company v. Davis, 8. EFFECTIVE DATESUBSTANDARD INSURANCE: Republic National Life Insurance Company v. Hall.

Description: This discussion looks at expense rates, inflation, and its effect on premiums. Also discussed are the issues that insurance companies may face as a result of the threat of severe manpower shortages.

Description: 2020 Generally Recognized Expense Table (GRET) recommendations.

Description: From a session at the Spring meeting of the Society of Actuaries held in San Antonio, Texas, June 14-15, 2004 A brief review of how the 1995-2000 individual life mortality experience study and 2002 individual life and annuity expense study were developed, followed by key observations, interpretations and emerging trends.

Description: The author describes why expense management is critical in the insurance industry, especially with a superabundance of inflation driven forces threatening the life insurance industry.Expenses need current and constant attention because a if ignored, a small expense problem will almost inevitably rise to major significance, and b expense control is a measure of the effectiveness of management in difficult times.

Description: This article provides a description of the development process for the 2003 GRET factors. The results were also presented and discussed.

Description: Discussion of expense management in a small life insurance company

Description: This panel discussion focuses on expense analysis and allocation. Areas addressed include standard of measure used, inconsistencies in expense allocations, and alternate methods of allocation of marketing expenses.

Description: Discussion of the future of the life insurance distribution system from a meeting of the Actuarial Club of the Pacific States.

Description: This panel discussion is from the 1991 Meeting of the Society of Actuaries, held May 16-17 in New York. Recognizing that over the past few years, pricing actuaries have increasingly adopted marginal expense assumptions in pricing, the panelists discuss strategy and pricing considerations, including marginal strategies, fixed versus variable costs, and treatment of corporate overhead. Discussion from participants is included. From the Record of Society of Actuaries, Volume 17, No. 2.