Description: This panel discussion addresses the following questions regarding premium factors under individual accident and sickness insurance: 1. What level of expenses are companies experiencing in underwriting, claims administration and general administration under various coverages including hospital-surgical, major medical, loss of time and over-age policies? 2. What are the advantages and disadvantages of premium scales for hospital-surgical and major medical policies which vary by geographic area? Can the problems be met better by variations in benefits? From Transactions of Society of Actuaries 1959, Vol. 11, No. 30 AB.