Description: This is a discussion about new product developments, supplementary benefits - Accidental Death, Guaranteed Insurability and automatic inclusion of supplementary benefits rather than optional, product expense trends, considerations in setting commissions for policies with different characteristics, and analyzing and entering new markets.

Description: This 1978 session on individual life product development included discussion on: 1. Major revisions, reasons for change, innovative techniques, and problems. 2. New products and special considerations.

Description: Discusses: 1. The Guaranteed Insurability Option - how have companies been promoting and problems that have been encountered 2. Insurance at age zero - with drop in mortality under 1958 CSO, will more companies offer, mortality experience and underwriting, the effect in Canada of the removal of the graded amount requirement from the Uniform Insurance Acts.