Description: This paper presents an introduction to collective risk theory. In collective risk theory one seeks to investigate directly the risk enterprise as a whole. Primary interest is focused not upon the gains, losses, or claims from individual policies but upon the amount of total claims or the total gain arising from all the policies in the portfolio considered. Followed by several discussion papers submitted.

Description: Discussion of various group life and health insurance topics, including: A. Amount of group dental insurance being written and benefit provisions currently being offered and financial experiences of the coverages to date. B. Problems of professional association groups? C. Current level of interest in group paid-up or group permanent.

Description: This paper includes three discussions. The first is about permanent type insurance used as a substitute for group term insurance. The second discussion is about long-term disability experience, offsets and underwriting. The third discussion is about medical care expense insurance including experience, trends, impact of Medicare and COB. From Transactions of Society of Actuaries 1968, Vol. 20 Pt. 2, No. 56

Description: The following topics were discussed at concurrent sessions: 1. Consequences of adjusted earnings, 2. The actuary's role in marketing, and 3. Pension legislation- United States. From Transactions of Society of Actuaries 1974 Vol. 26, Pt. 2D, No. 75AB.

Description: Discussion of the diversification activities of a number of life insurance companies. This includes the formation of, or acquisition of, property and casualty insurers, variable annuity companies, mutual fund management companies, banks, finance companies, leasing companies, real estate development companies, televisions and radio stations, newspapers, software consultants and other corporate enterprises. Discussion includes: 1. Activities really compatible with the llfe insurance product. 2. Activities otherwise compatible with corporate objectives or offering potentially large profit centers. 3. Activities which can be an excessive drain on corporate earnings and executive manpower 4. The actuary's role in these diversification activities. Then the discussion goes into a discussion of corporate planning models

Description: This discussion at the 1967 Annual Meeting is about issues facing new companies including the areas of marketing, personnel, capital and surplus, financial projections, and communications.

Description: This discussion at the 1968 Annual Meeting covers various individual life and health insurance topics including new health benefits, health underwriting, life insurance guaranteed insurability, conditional receipts and term insurance.

Description: This is a discussion about smaller companies and the pros and cons of competing with larger companies. From Transactions of Society of Actuaries 1962, Vol. 14 Pt. 2

Description: This session at the SOA 1962 Jacksonville and Chicago Regional Meetings focused on challenges and opportunities of the multi-line company, especially the cross-selling of life and property/casualty insurance.

Description: This discussion at the 1968 Philadelphia and Los Angeles Regional Meetings looks at the pros and cons of a holding company structure for a life insurance company.