Description: This paper includes three discussions. The first is about permanent type insurance used as a substitute for group term insurance. The second discussion is about long-term disability experience, offsets and underwriting. The third discussion is about medical care expense insurance including experience, trends, impact of Medicare and COB. From Transactions of Society of Actuaries 1968, Vol. 20 Pt. 2, No. 56

Description: This paper was prepared to facilitate discussions with the New York State Insurance Department concerning price regulation and the application of minimum loss ratio standards for individual health insurance. From Transactions of Society of Actuaries 1982, Vol. 34.

Description: Discussion of various group life and health insurance topics, including: A. Amount of group dental insurance being written and benefit provisions currently being offered and financial experiences of the coverages to date. B. Problems of professional association groups? C. Current level of interest in group paid-up or group permanent.

Description: This discussion is about problems of smaller companies entering the individual health insurance field. From Transactions of Society of Actuaries 1962 Vol. 14 Pt. 2

Description: This discussion reviewed: A. Measures used by smaller companies to deal with below average policy persistency rates, B. The extent to which smaller companies issue policies with little to no retention for their own accounts, C. The extent to which new lines of insurance, such as accident and sickness, and changing distribution of business by line, plan, or age, have caused reconsideration of qualification bases for agency convention and honor awards.

Description: This paper proposes a hypothesis that the negative public policy implications of durational rating strategies in the medical insurance market are caused by lack of prefunding of durational deterioration of experience and constitute a failure to maintain an important part of the original insuring promise. To solve the problem, a practical and simple reserving basis is proposed as a regulatory standard. Discussions of this paper are included.

Description: In this paper, a model is proposed as a potential explanation for the steady deterioration in loss ratios often observed on blocks of individual health insurance policies. This model, which incorporates assumptions of anti-selective lapses, can be used for morbidity projections and projections of the effects of rate increases. Discussions of this paper are included.

Description: This paper includes three discussions. The first is about permanent type insurance used as a substitute for group term insurance. The second discussion is about long-term disability experience, offsets and underwriting. The third discussion is about medical care expense insurance including experience, trends, impact of Medicare and COB. From Transactions of Society of Actuaries 1968, Vol. 20 Pt. 2, No. 57

Description: This report has been assembled by the Task Force as a comprehensive guide to practicing actuaries in evaluating the impact of AIDS on the solvency of life and health insurance companies in the US and Canada. From Transactions of Society of Actuaries 1988, Vol. 40, Pt. 2.