Description: This discussion looks at the main trends in substandard insurance, including: changes in medical impairments subject to substandard ratings or declination, increased availability of substandard insurance and reinsurance, changes in occupational and special hazard ratings, and progress with offerings of substandard individual health and accident coverages.

Description: Discusses reasons for recent extensive industry changes in premium rates and expected trends, merits of different types of federal income tax treatment in financial statements, and discussion of merits of proposed state regulations regarding classification and allocation of income and expenses.

Description: In this article the author compares the profitability of Variable Life Insurance and Universal Life Insurance products. He concludes that a company can develop a typical VUL product with adequate profitability as compared to the company’s current UL product.

Description: This article discusses the development process and the impact of implementing levelized commission products.

Description: This article discusses a recently completed RGA in-depth study that looked at assumptions and experience for lapses and mortality at the end of the level premium period for level term business.

Description: Discusses definition of life insurance, exchanges, policy loans, single premium life products, and variable life products. From the 1988 Record of Society of Actuaries, Vol. 14, No. 2.

Description: This session discussion is about pricing on a unisex basis, regulatory developments, protecting against adverse selection, pricing considerations and experience analysis. From Record of the Society of Actuaries Vol. 15, No. 2.

Description: Risk based pricing addresses some of the shortcomings of traditional pricing methods by providing a framework for understanding the tradeoffs between shareholder risks and rewards using a robust, transparent and objective economic methodology that is consistent across products.

Description: This discussion is on selected individual life topics such as: competitive pressures preferred risk/non-smoker policies and the impact of the field force on product design.

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.