Description: This report, part of the Society of Actuaries [SOA] ‘Experience Studies – Business Practice Surveys,’ presents the results of a survey conducted by the SOA Committee on Life Insurance Mortality and Underwriting Surveys – Improving the New Business Process Survey Subcommittee. The survey examined the various changes U.S. and Canadian life insurance companies have recently made, or are considering making, to improve the new business process and to determine which changes were considered by the respondents to have had the most impact. Survey topics include the application process, changes to underwriting requirements, underwriting systems, underwriting resources, experience based on past changes, and policy delivery.

Description: This report presents the results of a survey undertaken by the Society of Actuaries Committee on Life Insurance Mortality and Underwriting Surveys - Early Duration Claims Survey Subcommittee. The Survey was sent to actuaries and underwriters at life insurers and life reinsurers in the United States and concerned life insurance claims in early policy durations – defined as the first five policy years. Topics of questions included underwriting, claims practices, how early duration claims are monitored, and early duration mortality experience.

Description: This survey report from the Business Decisions [Reinsurance] Survey Subcommittee of the Society of Actuaries Committee on Life Insurance Mortality and Underwriting, was intended to gather information on reinsurers’ views and practices with respect to ceding companies making ‘Business Decisions,’ defined as decisions ‘beyond the rules’ or ‘outside the underwriter’s intelligent judgment.’