Description: This is a discussion of the paper published by Charles A. Ormsby titled, 'The Cost to Reinsure Individual Life Insurance Policies'. Discussion includes: 1. Given that reinsured business has higher mortality than non-reinsured business, why would companies issue it, 2. Suggestion that when costs of reinsurance are considered, reserves should be substituted for cash values to determine the 'statement costs', 3. Cost of reinsurance for a mutual company.

Description: This discussion covers methods used to determine limits of retention for life and health insurance, the handling of special features such as guaranteed purchase options, and any new procedures or methods for reinsurance that have been developed and the advantages and disadvantages of these.

Description: This discussion on reinsurance looks at criteria which applies in setting the acceptance and retention limits of a smaller company, if its advantageous to divide risks between two or more reinsurers, and what reinsurance a small company needs on group insurance or on individual accident and sickness insurance.

Description: It is the purpose of this paper to present sample calculations which demonstrate one possible actuarial approach in making the required cost analysis and illustrative costs to reinsure life risks individually under present-day conditions.