Description: 1999 SOA Annual Meeting, San Francisco. This panel explored ways in which disability insurance underwriting guidelines must be closely linked to product design and sales methods. Panelists discussed a number of specific issues, including emerging illnesses, the protective value of various testing procedures, the role of financial underwriting, and the links between product, price, and underwriting.

Description: This session from the 1992 Valuation Actuary Symposium explores the new reserve adequacy provision for disability income that requires reserves be adequate in light of the assets held by the company with respect to those reserves.