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 report presents the compilation of data received from life companies responding to a survey on preferred risk underwriting and provides opinions of the Task Force on Preferred Underwriting with respect to future trends.

Description: Discusses the modification of underwriting practices because of the 1951 Medical Impairment Study, classification adjustments, competitive pressures on ratings and expansion of substandard business.

Description: Isolated T-wave abnormalities - that is, abnormal T waves in an otherwise normal electrocardiogram - are a difficult finding to evaluate and one on which there is no unanimity, either on their significance or on what constitutes an abnormal T wave. In this study, the author has concluded that even minor T wave abnormalities require a rating and that T-wave abnormalities almost always indicate heart disease is present or will soon become manifest.

Description: This discussion looks at problems encountered in putting new underwriting standards into effect, looks at trends in the current economic situation which are taken into consideration in underwriting the financial aspects of a risk, and the results of comparisons between the mortality experience under uninspected business with that under inspected business.

Description: This article is part of the Digest of Informal Discussion, which took place at the 1956 Society of Actuaries Eastern Spring Meeting, held April 19-20 in Hartford, CT. It identifies the participants and summarizes each person’s comments. The participants discuss various underwriting topics, including larger amounts of insurance and higher limits on premium waiver and accidental death benefits, larger non-medical limits, impairments, substandard underwriting classes, and aviation risks. From Transactions of Society of Actuaries 1956 Volume 8, Number 21.

Description: Digests of following discussions: 1. Mutual life insurance companies - their objectives and operating philosophy 2. State, provincial, and municipal employee pension plans - financing and other problems 3. Mortality and underwriting of individual policies for large amounts 4. Investing during the 1970's 5. Long-range viability and regulation of corporate pension plans 6. Forecasting the environment for business 7. Liabilities and surplus in the 1970's 8. Changing modes of family life - work and income over the life cycle 9. The role of the actuary in collective bargaining 10. Health insurance in the United States 11. Adjusted earnings

Description: The purpose of this paper is to provide a unified theory for the evaluation of underwriting requirements where this evaluation is based on the measurement of the levels of mortality costs associated with such requirements. A discussion of this paper is included.

Description: Discussion of financial underwriting issues and methods for individual life insurance. Followed by discussion papers submitted by several authors

Description: Discussion of the mortality experience of the Korean War. The purpose of this paper to present some statistics and point out variations in the hazard that might that might be of value in setting up rules for the underwriting of military risks.