Description: This is a discussion about the business effects of adoption of the 1958 CSO mortality table, possible reasons for the declining trend in individual life insurance sales, and effects of NY limitations on commissions and developments in agency earnings that could lead to modifications in the agency system.

Description: This discussion looks at various topics associated with the 1958 CSO Tables and answers the following: What is the effect of these tables on premium rates, non-forfeiture benefits, reserves and other policy values? Are there any advantages to be gained by anticipating the deadline date January 1, 1966 for adoption of the new tables?

Description: Covers: 1. The current status of permissive legislation, monetary values, and new policies 2. Considerations in changing from CRVM to net level premium reserves 3. What are companies considering with regards to changes in cash value patterns 4. Consideration being given to changes in the mortality basis for substandard premiums as a result of recent experience and how is this affected by the adoption of the new CSO tables.