Description: This session at the SOA 1990 San Francisco Spring Meeting presents an overview of risk classification, what principles define a sound system, changes in underwriting due to expert system technology, and determining the value of laboratory tests.

Description: Small Talk Newsletter, June 2005, Issue No. 24. Last fall, the Internal Revenue Service IRS released Notice 2004-61, 2004-41 I.R.B. 596 October 12, 2004, interpreting the reasonable mortality charge requirement applicable to life insurance contracts under Section 7702 of the Internal Revenue Code.

Description: This report presents the results of the Survey on Business Decision practices of reinsurers conducted by the Society of Actuaries Committee on Life Insurance Mortality and Underwriting Surveys . A survey of direct writers of life insurance is reported separately.

Description: This report presents the compilation of data received from life companies responding to a survey on preferred risk underwriting and provides opinions of the Task Force on Preferred Underwriting with respect to future trends.

Description: This 1978 session focused on persistency and agent retention. Questions addressed: 1. What are the current industry practices and experience with regard to the recruiting, training and retention of agents? 2. Are there ways of building the marketing system that can ease the cost impact of loss because of terminated agents? 3. To what extent are agents directed to markets that will allow them to survive ? 4. Are policy persistency studies valuable in helping general agents and managers identify poor markets? 5. Are persistency studies made that relate to the profile of the insured, in addition to relating to policy characteristics? 6. What uses are made of persistency data by agency to improve results? 7. How effective are persistency incentives in compensation plans for agents and home office field management?

Description: This report presents the results of the Survey on the Business Decision practices of direct companies conducted by the Society of Actuaries Committee on Life Insurance Mortality and Underwriting Surveys. A survey of reinsurers is reported separately.

Description: This session at the SOA 2003 Washington, DC Spring Meeting presents the results of the recently completed Society of Actuaries Preferred Underwriting Survey. Panelists discuss survey methodology, results and implications for product design and pricing.

Description: This session at the SOA 1990 San Francisco Spring Meeting covers individual life products including the state of the market, sales results, new ideas and regulatory developments.

Description: This discussion at an SOA 1968 Regional Meeting covers premiuims and dividend determination methods for individual ordinary insurance, new product ideas such as nonsmoker policies, profit analysis methodologies, and methods for comparing products of different companies.

Description: This article provides a short history of the correction procedures previously developed to address compliance failures and the shortcomings of those procedures under sections 101f and 7702, laying the foundation for a sea change in the correction process.