Description: This paper describes a method of comparing net costs of dissimilar life insurance contracts. The principles are consistent with those of the interest-adjusted method recommended by the Moorhead committee. The significance of the results, possible applications of the method, and some concerns and conclusions are discussed.

Description: This discussion is about the increasing unit expense rates even in light of increases in insurance amount, simplified procedures and greater mechanization, methods to allocate agency expenses in to the premium structure and the importance considerations in determining the level of gross premiums. From Transactions of Society of Actuaries 1961 Vol. 13 pt. 2

Description: This paper discusses adjustable life insurance and certain theoretical problems of these policies. It also covers how the Commissioners Reserve Valuation Method, CRVM, may be extended to cover adjustable life policies and defines formulas for the additional expense allowance at the time of change. A discussion of the paper follows. From Transactions of Society of Actuaries 1979, Vol. 31.

Description: This discussion at the SOA 1968 Philadephia and Los Angeles Regional Meetings covers premiuims and dividend determination methods for individual ordinary insurance, new product ideas such as nonsmoker policies, profit analysis methodologies, and methods for comparing products of different companies.

Description: This discussion at the SOA 1968 Philadelphia Regional Meeting looks at research on agency operations and actuarial involvement.

Description: This discussion at the San Francisco and Washington 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 discussion at a Smaller Company Forum is about the challenges that smaller companies face in three areas - actuarial student recruiting and training, gross premium determination, and agency building.

Description: Discusses methods developed facilitating the calculation of deficiency reserves arising because of graded premiums or policy fees, The extent dividends and premium rates are determined by a company's own mortality or morbidity experience, problems posed for smaller companies by recent increases in nonmedical limits, and if High School Mathematics Contests have helped smaller companies obtain actuarial personel.

Description: This paper contains three discussions. The first is about recent developments in health insurance programs in the United States and Canada. The second discussion is about the Society and how it can provide services to its members and the public. The third discussion is on life insurance company management. From Transactions of Society of Actuaries 1966, Vol. 18 Pt. 2, No. 50 AB

Description: This discussion explores lapse experience on business financed at or near issue through policy or bank loans, the amount such financed business is increasing or decreasing, and the extent the exercise of the Fifth Dividend Option in practice is being confined to policyholders interested in minimum deposit policies.