Description: 1999 SOA Annual Meeting, San Francisco. The panel examined challenges posed by the onset of the 21st century to the underwriter and the actuary. Questions addressed included: 1. How can the underwriting process be expedited without surrendering required mortality margins? 2. What different information is needed? 3. Where will this information come from? 4. Who will obtain it and how will it be delivered? 5. How will the actuary assess the real value of these new sources?

Description: In session 59D of the Palm Desert Spring Meeting panelist discuss recent technological advances that are making oral fluid and urine testing more useful as underwriting techniques for life insurers. From the Record of the Society of Actuaries, Vol. 23, No. 1.