Description: 1999 SOA Annual Meeting, San Francisco. This panel explored ways in which disability insurance underwriting guidelines must be closely linked to product design and sales methods. Panelists discussed a number of specific issues, including emerging illnesses, the protective value of various testing procedures, the role of financial underwriting, and the links between product, price, and underwriting.

Description: Underwriting individual disability insurance is a complex process that draws on many different disciplines. From Record of Society of Actuaries, Volume 26, No. 1., session 25 PD of the Las Vegas Spring Meeting.

Description: Presented at June 2002 Spring Meeting. This session explores recent developments in the voluntary disability market.

Description: Panelists from session 144PD of the New Orleans Annual Meeting cover the following aspects of group STD and LTD underwriting: • Credibility • Experience Rating • Manual Rating From the Record of the Society of Actuaries, Volume 27, No. 3, Session 144PD.

Description: This panel discussion examines individual long term disability insurance and discusses increased incidences, overinsurance, social insurance, new products and better underwriting. From Record of Society of Actuaries, 1977 Vol. 3 No. 3, Mr. Shapland moderating.

Description: The session discussion is valuation and reserving issues with regards to group medical - including HMOs, and individual medical - including disability and long-term care. From Record of Society of Actuaries Vol. 16, No. 4B.

Description: This session from the 1983 SOA Vancouver Meeting discusses how competition has affected contract provisions, renewability, definition of disability, underwriting and rates and trends in product design including unisex rates, residual /Income replacement definitions and non-smoker discounts. From Record of Society Of Actuaries Vol. 9. No. 3

Description: Several employers at the SOA 1997 Palm Desert Spring Meeting discuss their experience implementing managed disability programs of different types. These employers discuss the barriers they needed to overcome to implement their approach to managed disability, and the impact of their managed programs on cost and quality of service.

Description: The panelists in this session discuss current industry practices and new considerations on many items of interest to LTD valuation actuaries. Topics include an update on the Group LTD Experience Study, assumptions and methodology for integration provisions, reserve margin illustrations using asset share models, and reserve run out analysis. From the Record of the Society of Actuaries, Volume 29, No. 2, Session 54

Description: This session discusses offering disability insurance over the internet with respect to product design, marketing opportunities and technology issues. From the Record of the Society of Actuaries, Volume 27, No. 1, Session 25