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: 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 was presented at the October 1982 Society of Actuaries annual Meeting in Washington D.C.. It presented supplementary information on the 1979 Build and Blood Pressure Study. This supplementary study was made to answer a number of specific questions raised by medical directors and actuaries of life insurance companies as well as by some prominent physicians and research scientists.