Description: Discusses potential of imminent war, magnitude of risk, opinions regarding exclusion vs. inclusion of coverage in life policies, and anti-selection issues.

Description: This 1978 session focused on individual insurance pricing theory which covered the pricing process: 1. definition of goals and marketing plan 2. establishment of actuarial assumptions 3. determination of prices 4. management of results

Description: This panel discussion is about expense assumptions in pricing. It focused on: 1. What were the historical approaches to expense loadings in premium rates of life and casualty lines? 2. What are the fundamental differences in life vs. casualty expense assumptions? 3. Current changes. 4. Future possibilities.

Description: This 1978 session on individual life product development included discussion on: 1. Major revisions, reasons for change, innovative techniques, and problems. 2. New products and special considerations.

Description: In this session 31PD of the Palm Desert Spring Meeting panelists discuss current issues relating to joint and second-to-die insurance products, also known as joint survivor or survivorship insurance. From the Record of the Society of Actuaries, Vol. 23, No. 1.

Description: Presented at October 1986 Annual Meeting. Discusses the reasons for substantial changes in life insurance pricing philosophy in recent years and their impact on actuaries and companies both now and in the future.

Description: This 1978 session focused on individual life product development. Topics included: 1. Policy loan rate considerations 2. Federal Income Tax considerations 3. Inflation recognition 4. Determining interest rate for nonforfeiture values and reserves 5. Reserve valuation method impact 6. Innovation in asset share techniques 7. State approvals and disapprovals 8. Disclosure 9. New products - Term insurance plus deposit funds, Contingent Life, Joint Life, Pension Trust, etc.

Description: 2004 SOA Annual Meeting and Exhibit, New York. This session is about pricing life and VA products with untested new features in an uncertain environment.

Description: This discussion looked at: A. Problems relating to agents' compensation and other expenses arising from the increased proportion of term insurance being currently issued and from the sale, at commission rates lower than those under the regular series, of special policies with a large minimum amount, and of smaller regular series policies. B. The advantages and disadvantages of freely making quotations for special plans not in the rate book.

Description: The objective of this presentation was to evaluate the different pricing techniques as to their effectiveness in capturing and quantifying the varied risks associated with the sale and administration of life insurance and annuity products. The results of a 2002 company survey about pricing were presented in support of this objective.