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: Discussion of the following topics pertaining to disability income and other health insurance: 1. What portions of the loss of income and of the expenses incurred are properly insurable? 2. What special problems are encountered in providing suitable coverage for the following: a Employees and dependents eligible under Group plans b Individuals employed or not employed and their dependents ineligible under Group plans c Aged persons. 3. Methods for companies to meet the problems of overinsurance arising from duplication of coverage or from other causes?

Description: This presentation, session number 103PD, took place at the 1999 Annual Meeting of the Society of Actuaries, held October 17-20 in San Francisco. The panelists review the history of credit insurance, discussing credit insurance regulation, changing consumers’ attitudes toward credit insurance, changes in the products and marketplace, and how the Consumer Credit Insurance Association has evolved since its founding in 1951. The panelists then discuss where the credit insurance industry is heading with respect to new product development and marketing methods, consumer attitudes, and further changes in regulation. From the Record of the Society of Actuaries, Vol. 25, No. 3.