Description: Discussion of issues of particular interest to small insurance companies. Includes the following topics: A. Considerations governing the mortality bases used in determining for ordinary insurance for nonparticipating premium rates and for dividends. Mortality studies available to assess the suitability of available mortality tables or modifications of them. B. Advantages and disadvantages of special termination dividends or special quinquennial dividends. C. Desirability and feasibility of having separate dividend scales for policies which include disability benefits, double indemnity benefits or both. D. Relative advantages of a three-factor dividend system versus an experience premium system. Discussion of how the latter is applied.

Description: Discusses the extent to which various influences are reflected in premiums, dividends and settlement options: improved mortality, interest rate trends, federal taxes, agent compensation and increasing expenses.

Description: This discussion on premium differentials examines if a graduation of premium rates by policy size is feasible or desirable as well as if it is practical to give lower premium rates to females.