Description: 1999 SOA Annual Meeting, San Francisco. This panel explored ways in which disability insurance underwriting guidelines must be closely linked to product design and sales methods. Panelists discussed a number of specific issues, including emerging illnesses, the protective value of various testing procedures, the role of financial underwriting, and the links between product, price, and underwriting.

Description: This session from the 1993 Valuation Actuary Symposium discusses the draft of the group LTD practice notes, the disabled lives reserve DLR, the IBNR liability, the testing of a company performed at year-end 1992 to determine reserve adequacy and an overview of of the individual disability income IDI practice notes.