Description: 1973 SOA Regional Meetings, Saint Paul and San Francisco. This paper provided a summary of several concurrent sessions from the referenced meetings including: 1. PRICE DISCLOSURE AND COST COMPARISON. 2. INDIVIDUAL LIFE AND HEALTH UNDERWRITING. 3. TIME SERIES ANALYSIS AND FORECASTING. 4. INDIVIDUAL HEALTH INSURANCE - PROBLEMS AND PRODUCT TRENDS. 3. VARIABLE LIFE INSURANCE. 6. POLLUTION, POPULATION, AND THE QUALITY OF LIFE. 7. HEALTH MAINTENANCE ORGANIZATIONS.

Description: In this paper, the authors created a mathematical model which reflects typical relativities by age, duration of disablement, and deferment period for disability risk. The paper is followed by discussions submitted by various reviewers.

Description: This paper explores available disability experience data in order to shed some light on the character and extent of the subjective influences which affect the frequency and duration of disability. A mathematical model for computing disability income premiums and reserves is also presented.

Description: In this paper a method is described for pricing - and reserving for- return of premium benefits under disability income policies. Followed by a discussion paper

Description: The birthday rule is used to determine whether the father's or the mother's insurer is liable for a child's medical bills, where the liability rests with the insurer of the parent whose birthday falls in the first half of the year. It is assumed that the odds are even that the liable insurer will be the mother's, vs. the father's. This paper demonstrates how the key determinant of whether this assumption is valid is the distribution of the difference in spouses' ages.