Description: This 1981 session focused on Reinsurance Trends. Questions included: i. Why the recent movement from YRT to Coinsurance? 2. Should a company use a bulk or self-administered system? 3. When is it advantageous to use Coinsurance or modified coinsurance on existing business? 4. Experimental Underwriting - what are the results? 5. Pricing assumptions - where have all the margins gone? 6. When can reinsurance pools be used effectively what are the pitfalls? 7. What's in the future? a. Use of telecommunications and computers to transfer the risk? b. Lower rates and less service? 8. How have changes in reinsurance pricing affected ceding company pricing?

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 1981 session focused on Reinsurance Trends. Questions included: i. Why the recent movement from YRT to Coinsurance? 2. Should a company use a bulk or self-administered system? 3. When is it advantageous to use Coinsurance or modified coinsurance on existing business for tax planning 4. Experimental Underwriting - what are the results? 5. Pricing assumptions - where have all the margins gone? 6. When can reinsurance pools be used effectively what are the pitfalls? 7. What's in the future? a. Use of telecommunications and computers to transfer the risks? b. Lower rates and less service? 8. How have changes in reinsurance pricing affected ceding company pricing?

Description: What are the possible future implications to insurance companies of significant improvements in mortality? How can futurism techniques be used in research? The formation of the mortality improvement study group at the Principal Financial Group was the first step toward examining the issue of mortality improvement. In an interactive format, we will present what we learned about mortality and futurism techniques by participating in this group.