Description: This paper looks at how smaller companies are expanding their operations in the disability income, accident and sickness field, what the problems and the expectations of satisfactory financial results are and how the Society can assist members in the constructive development of this business. A discussion of waiver of premium riders on life insurance policies was also discussed.

Description: The SOA's GDIEC has completed their study of termination experience for the period 2004-2012. Included is a preliminary report and pivot tables.