Description: Shows how to use personal information such as medical history, family characteristics, etc. in a logical statistical fashion for the purpose of modifying an existing mortality table to reflect the collected underwriting information.

Description: Presented at October 1996 Annual Meeting. Discusses the latest developments in underwriting and their potential impact on mortality, and the most recent mortality statistics.

Description: This panel discussion is from the 1991 Meeting of the Society of Actuaries, held May 16-17 in New York. The panelists review mortality experience studies and research and underwriting practices, discussing topics including smoker vs. non-smoker mortality, differences by sex, and medical impairments. Discussion from participants is included. From the Record of Society of Actuaries, Volume 17, No. 2.

Description: Panelists discuss recent trends in individual life mortality experience, especially for preferred risks, and the impact of agent selection and underwriting exceptions on a company's mortality results. From the 1997 Record of Society of Actuaries, Vol. 23, No. 3.

Description: Using the Cox proportional Hazards Model to improve underwriting debits and credits.

Description: This article is from the Digest of Informal Discussion, Transactions of Society of Actuaries 1956 Volume 8, Number 20. The article identifies the participants and summarizes each person’s comments. The participants discuss underwriting for occupations such as aviation, where traditionally additional charges over standard rates have been made. In light of improving mortality from occupational hazards, the participants discuss whether most occupations should be rated standard, and the impact of such changes.

Description: This article discusses whether or not the Preferred risk class wears off over time.

Description: There are certain occasions when the knowledge we have gained in our jobs carries over into our personal lives. For instance, developing insurance products certainly helps when it comes time to buy an insurance policy. Recently, one of the authors had the experience of giving his 91-year-old grandmother, Nanny as she is affectionately called, an Extended Delayed Word Recall DWR test. This article will show that DWR tests are a powerful predictor of mortality in the elderly. As the population ages and more and more life insurance is being applied for at the older ages, having a DWR test in an underwriting arsenal is like comfort food for an actuary.

Description: Presents aviation mortality statistics for 1964, with estimated rates for 1965. Historical data is also provided from 1953 onward.

Description: Presents aviation mortality statistics, updated for complete 1961 data and estimated 1962, with historical data shown beginning in 1950.