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 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: 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 informal general discussion session was centered around ordinary insurance, the size of ordinary policies, mode of premium payment, and juvenile policies.

Description: This feature discusses the article by syndicated columnist Ellen Goodman in the March 3rd Los Angeles times titled Insuring an End to the Actuarial Rip-Off of Women It was about risk classification arguing in favor of unisex pricing for individual contracts, which the author of this article did not agree.

Description: This is an investigation of the persistance of individual life insurance risk mortality differentials by utilizing an approach inspired by online predicitve markets.

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