Description: This is a discussion on valuation and examines small company reserves and methods used in valuing disability, double indemnity, family income and other benefits in determining the reserve released by voluntary terminations. From Transaction of Society of Actuaries 1950, Vol. 2, No. 3.

Description: This discussion at the 1967 Annual Meeting is about issues facing new companies including the areas of marketing, personnel, capital and surplus, financial projections, and communications.

Description: This is a discussion about various underwriting issues including broadening the standard class at younger ages, overinsurance, mortality experience on guaranteed and automatic issue and taking smoking habits into account in underwriting life insurance risks. From Transactions of Society of Actuaries 1962, Vol. 14 Pt. 2

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: This discussion at the San Francisco 1966 Regional Meetings covers three topics - Disability Benefits under Life or Health Insurance Policies, Changes in Individual Medical Expense Insurance in the Light of Medicare, and Optional Modes of Settlement.

Description: This session at the SOA 1962 Philadelphia and Kansas City Regional Meetings is a discussion about product research for life insurance companies, the product development process, and the challenges presented due to ever increasing product offerings.

Description: This discussion looks deeper into selection and policy issue. From Transactions of Society of Actuaries 1950, Vol. 2, No. 3.

Description: This discussion focuses on trends in the insurance industry and factors influencing the future course of the life insurance industry. From Transactions of Society of Actuaries 1960, Vol. 12, No. 34.

Description: This discussion looked at: A. Problems relating to agents' compensation and other expenses arising from the increased proportion of term insurance being currently issued and from the sale, at commission rates lower than those under the regular series, of special policies with a large minimum amount, and of smaller regular series policies. B. The advantages and disadvantages of freely making quotations for special plans not in the rate book.

Description: This report explores ratemaking, examines the relationship of gross premiums and profit margins, suggests criteria for measuring contingency and profit margins, discusses the types of assumptions suitable for calculating nonparticipating rates and presents the mathematical technique to determine the premium. A discussion of the paper follows.