Description: This discussion looked at: A. Problems relating to agents' compensation and other expenses arising from the increased proportion of term insurance being currently issued and from the sale, at commission rates lower than those under the regular series, of special policies with a large minimum amount, and of smaller regular series policies. B. The advantages and disadvantages of freely making quotations for special plans not in the rate book.

Description: This discussion at the 1968 Philadelphia Regional Meeting focuses on issues for smaller companies including expense analysis, adjusted earnings, variable annuities, agency operations, and interim financial statements.