Description: This discussion addresses the following questions about health insurance maternity benefits: 1. What has been the claim, lapse, and expense experience on hospital-medical policies with maternity benefits issued to young married couples? 2. To what extent have hospital-medical policies been introduced with reduced maternity benefits during the early policy years or with no maternity benefits? 3. What other measures are being used to provide maternity benefits on a self-sustaining basis? 4. Are these measures effective? From Transactions of Society of Actuaries 1963, Vol. 15 Pt. 2

Description: This discussion looks at rising interest rates since the use of the 1941 CSO Table and the considerations in determining interest rates for premiums and reserves under the 1958 CSO, and changes in the handling of taxes due to the new federal income tax laws in life and pension plans.

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 looks at considerations involved in determining interest rates and when deciding upon a reserve interest rate, the factors which warrant consideration. The panel also explores changes deemed appropriate with the new federal income tax law. From Transactions of Society of Actuaries 1961, Vol. 13, Pt. 2.

Description: This is a discussion about 1959 Act dealing with federal income tax on life insurance companies. Specific topics include: A. Impact the new tax law has had on: i the investment policies of individual companies, ii company accounting systems and procedures, iii actuarial bases for new contracts? B. What principles have been followed in allocating the federal income tax among the annual statement lines of business? How is the assessment to a line of business with a loss from operations established? Is the tax on the interest on surplus allocated on some general basis or with regard to the relative contributions of the different lines to the accumulated surplus? C. How is the tax taken into account in asset share tests and dividend scale determinations?

Description: This is a discussion about the new examination syllabus. From Transactions of Society of Actuaries 1963, Vol. 15 Pt. 2

Description: This discussion at the SOA 1968 Philadephia and Los Angeles Regional Meetings covers premiuims and dividend determination methods for individual ordinary insurance, new product ideas such as nonsmoker policies, profit analysis methodologies, and methods for comparing products of different companies.

Description: This discussion at the 1966 Washington Regional Meeting, Small Company Forum covers several topics as they relate to smaller insurance companies - Combination Company Problems, Product Design, Reinsurance, SEGLI conversions, and Adusting earnings for Value of InForce in the Annual Statement.

Description: This discussion at the 1968 Philadelphia Regional Meeting focuses on issues for smaller companies including expense analysis, adjusted earnings, variable annuities, agency operations, and interim financial statements.

Description: This is a discussion about premium gradations for life insurance including expense rates and expense savings in graded premiums, the policy fee system, the band system and expense rates within different size bands. From Transactions of Society of Actuaries 1962, Vol. 14 Pt. 2