Description: The following topics were discussed at concurrent sessions: 1. Pension benefit security bill, 2. Variable insurance products, 3. Trends in hospital and medical care utilization, 4. Insurance distribution and marketing systems, 5. Deferred and incentive compensation, 6. Annual Statement accounting, 7. Social Security and employee benefits in western Europe, 8. Individual medical expense insurance, 9. Reserves and related problems for variable annuities and cost-of-living benefits, 10. Topics for consulting actuaries, 11. Profit and other objectives in group operations, and 12. Life insurance operations overseas- problems and opportunities. From Transactions of Society of Actuaries, 1969 Vol. 21 Pt. 1 No. 61.

Description: This discussion on annuities and settlement options focuses on: A. Revisions made recently in the interest and mortality bases for annuity contracts and retirement income policies and for settlement options embodied in life insurance policies. B. The extent to which the use of settlement options might be justified for payees other than the insured and beneficiaries who are natural persons. C. The practical problems arising in connection with: 1 Requests for elaborate or complicated settlements 2 Liberal settlement option guarantees in outstanding policies

Description: This section consists of the following reports, Activities of the Subcommittee on Variable Contracts of the ALC-LIAA Actuarial Committee, Alternate Routes, and Recent Mortality under Individual Immediate Annuities. From Transactions of Society of Actuaries 1969, Vol. 21, Pt. 2, No. 61.

Description: This is a discussion about retirement plans and the treasury regulations involved. From Transactions of Society of Actuaries 1963, Vol. 15 Pt. 2

Description: These discussions at the 1967 New York and New Orleans Regional Meetings covered topics related to individual life and health insurance including health topics, individual life underwriting, reinsurance, individual policy pension fund expenses, tax sheltered annuities, and market testing products.

Description: This is a panel discussion about H.R. 10 pension plans, i.e., tax deferred retirement savings plans for the owners of an unincorporated business and its employees. The following questions are addressed: To what extent is coverage under H.R. 10 being provided under individual policies and under group contracts? What problems are presented in each approach? If special plans are used, what provisions must be included? If normal contracts are used, what modifications or endorsements must be made? What plans are generally used? If split-funding is not used with normal contracts, how are increases in contributions handled? To what extent are trust or custodial accounts being used? From Transactions of Society of Actuaries 1964, Vol. 16 Pt. 2.

Description: The session, presented at the SOA's May 1976 Meeting in Houston, covered topics related to Individual Life Insurance. The discussions presented were: variable life insurance, Section 79 products, policy loan interest rates, and term insurance. From Record of the Society of Actuaries 1976, Volume 2, No. 2.

Description: Digest of a panel discussion looking at problems arising in issuing limited amounts of life insurance without a war clause to active members of the Armed Forces, types of death losses the Actuary considers as war deaths not suited for in existing premium rates and problems created by the war from the standpoint of protective provisions in disability and accidental death clauses.

Description: This is a discussion about the business effects of adoption of the 1958 CSO mortality table, possible reasons for the declining trend in individual life insurance sales, and effects of NY limitations on commissions and developments in agency earnings that could lead to modifications in the agency system.

Description: This discussion at the 1967 Annual Meeting is about the appropriate level of unassigned surplus and the rationale and accounting for contingency reserves. The question of a contingency reserve for Phase III tax is also discussed.