Description: This panel discussion session looked at recent and proposed regulation of life insurance underwriting. Specific topics included: i. Problems with traditional underwriting classifications: privacy, disclosure, anti-discrimination, etc. 2. New and acceptable classifications: smoking, lifestyle, build, blood pressure, finances, etc. 3. Possible transition problems: existing policies, persistency, coordination of previous data with newer classes, etc.

Description: This session reviewed the distinctions and blurring of those distinctions between group and individual life insurance. Topics include differences in underwriting, legal constraints, marketing and distribution, and the nature of guarantees provided