Description: This is the digest from the informal discussion reviewing the 1951 Impairment study. It is the latest in a series of studies covering mortality of impaired risks. It covers the experience under Ordinary insurance issued from 1935 to 1949 traced to the anniversaries in 1950. Standard and substandard policies were studied separately.

Description: This paper raises the following questions regarding mortality and underwriting: How does mortality under term insurance compare with that under permanent insurance? To what extent should large amounts of accidental death benefits be a matter of underwriting concern? What are the pros and cons of issuing triple indemnity benefits as an adjunct of life insurance policies? From Transactions of Society of Actuaries 1960, Vol. 12, No. 34.

Description: This discussion looked at the recent mortality experience under term insurance plans before and after conversion, as well as evidence of a reversion to the experience of the 1920's and early 1930's in the mortality on large risks. From Transactions of Society of Actuaries 1949, Vol. 1, No. 1.

Description: Discussion of the following underwriting topics: A. In view of the low rates of mortality currently experienced on standard lives, is the standard classification too narrow? B. Do substandard extra premiums at the lower ratings make fair provision for the additional expenses incurred on substandard policies? C. What problems are encountered in issuing life insurance on persons residing outside the continental United States and Canada? D. What changes have been made recently in non-medical selection and why? E. How could greater use be made of mortality or morbidity studies conducted by hospitals, clinics, government agencies, universities and others outside of the life insurance business?

Description: This discussion reviews recent developments in connection with the 1958 CSO Table and looks at the latest developments with respect to high cash value minimum deposit plans. From Transactions of Society of Actuaries 1959, Vol. 11, No. 29 AB.

Description: This is a panel discussion on the mortality of smokers and nonsmokers. From Transactions of Society of Actuaries 1964, Vol. 16 Pt. 2

Description: This is a discussion about substandard mortality vs. standard mortality and the effects it will have on substandard premiums. Topics included: A. Statistical evidence on the trend of substandard mortality. Does it generally follow the trend of standard mortality? B. Effect this should have on substandard extra premiums. C. Does a lowering of substandard extras require any changes in underwriting rules, either as to the range of substandard classes or as to the ratings applied to some of the major impairments?

Description: It is the purpose of this paper to present a table of accidental death rates, based on the new intercompany experience data, that is believed to be suitable for use as a valuation standard. From Transactions of Society of Actuaries 1959, Vol. 11, No. 31.