Description: This paper examines the adjustment of premiums under guaranteed renewable health insurance policies. From Transactions of Society of Actuaries 1960, Vol. 12, No. 34.

Description: This paper describes the development of the net annual claim costs, net premiums, and reserve factors that comprise the 1974 Medical Expense Tables. From Transactions of Society of Actuaries 1978, Vol. 30.

Description: This paper sets forth a standard of expected claim costs for Comprehensive Medical Expense plans together with the underlying rationale. This is known as the '1960 Tabular'. From Transactions of Society of Actuaries 1963, Vol. 15, Pt. 1, No. 41.

Description: This paper presents a disability continuance table based on industry individual policy experience to render it suitable as a standard for expected claims and for adjusted earnings purposes. Also includes discussion of the paper by John B. Cummings, Timothy A. Hinchliff, John H.Miller, R.Terry Nelson, John S.Thompson Jr., Eduard H.Minor

Description: The purpose of this paper is to analyze several existing versions of the return of premium provision and to attempt to develop a logical critique of the concept, with the object of suggesting certain criteria [cost, equity, and compatibility with the purpose of the basic coverage of the health contract] which could serve as a basis for evaluating the merits of various forms of the provision. From Transactions of Society of Actuaries 1970, Vol. 22, Pt. 1, No. 64.

Description: This is the presidential address of former SOA president, E. Paul Barnhart concerning the actuarial profession and the society of actuaries. From Transactions of Society of Actuaries 1979, Vol. 31.

Description: This paper presents the findings of the Society of Actuaries' Committee on Individual Accident and Health Valuation Principles concerning statutory reserve standards for policy and claim reserves. From Transactions of Society of Actuaries 1985, Vol. 37.

Description: This report discusses the use of a basic table of net annual claim costs for hospital and surgical expense insurance as adopted by the NAIC in 1956 to be used as a minimum reserve standard for loss-of-time benefits. It is the intention of this paper to outline the characteristics of the table, to discuss the factors which influence reserve considerations, and to describe suitable methods of determining active and disabled life reserves for the types of benefit provisions now most generally offered. From Transactions of Society of Actuaries 1965, Vol. 17, Pt. 1, No. 49.

Description: The object of this paper is to present a theoretical basis for the mathematical graduation of continuance data for both elementary and combined benefits, and to demonstrate the methods of utilizing the theory to derive claim costs for a wide variety of benefits. From Transactions of Society of Actuaries 1959, Vol. 11, No. 31.

Description: Traditional methods of addressing reserves and liabilities have failed to cope with the problems of escalating claim costs, frequent rate increases, and different opinions as to what liabilities should be recognized. This paper reexamines these issues, discusses shortcomings of current methods and proposes a new approach to the total subject. From Transactions of Society of Actuaries 1985, Vol. 37.