Description: General discussion session which included the following topics: A. Non-medical limits B. Deficiency reserves for individual life insurance

Description: This is the digest from the informal discussion reviewing the 1951 Impairment study. It is the latest in a series of studies covering mortality of impaired risks. It covers the experience under Ordinary insurance issued from 1935 to 1949 traced to the anniversaries in 1950. Standard and substandard policies were studied separately.

Description: Results of the 2001 Expense Practices and Methodology survey conducted by the SOA Committee on Life Insurance Company. The intent of the survey was to provide the committee with guidance on the creation of an expense experience study.

Description: Discussion of the following underwriting topics: A. What elements are being taken into consideration in current underwriting of risks in or subject to military service? B. What changes have occurred recently in the amount limits for the double indemnity benefit? Is accident insurance considered in applying such limits? C. What underwriting problems have arisen in connection with the income disability benefit which matures the policy at an age such as 65? In what respect is this benefit underwritten differently from the $5 per $1,000 lifetime income disability clause? D. What are the advantages and disadvantages of issuing ordinary insurance at ages over 65?

Description: This report helps to identify key socioeconomic trends influencing the need and demand for the industry's products and services, and how these trends will influence marketing methods.

Description: This is the accompanying spreadsheet for the 2001-02 U.S. Individual Life Persistency Update report. Please see the SOA website experience studies for the full report.