Description: Spreadsheet with documentation for exhibits to the May 2007 report: The Potential Impact of Pandemic Influenza on the U.S. Life insurance Industry

Description: This paper reviews recursive formulas for aggregate claim distributions. Followed by a submitted discussion paper

Description: Study of the Effect of a Flu Pandemic on Insured Mortality Using the Delphi Method

Description: This section presents multiple insurance-related legal cases from 1954: 1. AVIATION EXCLUSlON PILOT: Ezell v. Atlantic Life Insurance Company, 2. LIFE INSURANCE COMPANY FEDERAL INCOME TAX-OIL ROYALTIES AND BONUS: Great National Life Insurance Company v. Campbell, 3. SIMILAR CORPORATE NAMESADMISSlON TO Do BUSINESS IN STATE : United Life Insurance Company v. United Insurance Company, 4. DOUBLE INDEMNITY MILITARY EXCLUSION: Langlas v. Iowa Life Insurance Company, 5. STATUTE REQUIRING COPY OF APPLICATION TO BE ATTACHED-FRATERNAL BENEFIT SOCIETY: Wheeler v. Ben Hur Life Association, 6. BENEFICIARY'S RIGHT TO ASCERTAIN AND TO PAY PREMIUM: American Life Insurance Company v. Hauer, 7. QUARTERLY PREMIUM IN EXCESS OF ONE-QUARTER OF ANNUAL RATE: Cohen v. John Hancock Mutual Life Insurance Company, 8. SETTLEMENT OPTION-TESTAMENTARY DISPOSITION: Hall vs. Mutual Life Insurance Company, 9. DEATH DUTIESLIABILITY OF COMPANY UNDER ANNUITY: Mutual Benefit Life Insurance Company v. Dimond, 10. DELIVERY OF POLICYPOLICY MAILED TO AGENT: Mid-Continent Life Insurance Company vs. Dees,

Description: This section presents and summarizes several insurance-related legal cases from 1954: 1. ACCIDENT POLICY- ACCIDENTAL MEANS: Hartford Accident and Indemnity Company v. Douglass, 2. SUICIDE EXCLUSIONDATE OF ISSUE AND EFFECTIVE DATE: New York Life Insurance Company v. Noonan, 3. INCOME TAX DEFICIENCYGOVERNMENT'S CLAIM AGAINST BENEFICIARY: United States vs. New. 4. BANKRUPTCYPOLICY LOANS MADE AFTER APPOINTMENT OF TRUSTEE: Lake, Trustee vs. New York Life Insurance Company, 5. ANNUITY CONTRAcTRECOVERY OF CONSIDERATION: Massachusetts Mutual Life Insurance Company vs. Hardwick, 6. DOUBLE INDEMNITYWAIVER OF AGE LIMIT: Peninsular Life Insurance Company vs. Howard, 7. DEATH ON POLICY ANNIVERSARYDEDUCTION OF UNPAID PREMIUM: Callahan vs. John Hancock Mutual Life Insurance Company, 8. GOOD HEALTH PROVISIONSUBSTANDARD RISK: Green vs. Acacia Mutual Life Insurance Company, 9. INSURANCE TRUSTTESTAMENTARY DISPOSITION: Gordon v. Portland Trust Bank, 10. MISREPRESENTATION AS TO INSANITYINCONTESTABLE CLAUSE: Arnold vs. Life Insurance Company of Georgia, 11. ACCIDENT INSURANCEBURNING OF BUILDING: Pacific Mutual Life Insurance Company vs. Walt

Description: The goal of this paper is to develop best possible estimates for the higher moments of a distribution of a positive bounded random variable, such as claim amounts, where these estimates are given in terms of the mean.

Description: This section discusses several insurance-related legal cases from 1953 including: 1. STATUTE REQUIRING APPLICATION TO BE ATTACHED EFFECT OF ATTACHING EXTRA PAPER: Nacchio v. New York Life Insurance Company 2. DATE Or LAPSEPoLICY NOT EFFECTIVE UNTIL DELIVERY: Pyramid Life Insurance Company vs. Williams 3. DOUBLE INDEMNITYWAIVER AND ESTOPPELINSURER'S FAILURE TO INFORM INSURED POLICY WAS NOT ISSUED AS APPLIED FOR: Woodmen of the World Life Insurance Society vs. Counts 4. KILLING OF INSURED BY HEIRINHERITANCE OF POLICY PROCEEDS: Strickland vs. Wysowatcky, 5. PREMIUM TAXES-RETALIATION: Massachusetts Mutual Life Insurance Company vs. Parkinson, 6. AGENT AS BENEFICIARY-CONFIDENTIAL RELATIONSHIP: Fifield vs. Crowe, 7. MISREPRESENTATION As TO OCCUPATION AND HABITSPROFESSIONAL GAMBLER: DeBellis vs. United Benefit Life Insurance Company, 8. WAR EXCLUSION-UNDECLARED WAR: Beley vs. Pennsylvania Mutual Life Insurance Company, 9. DOUBLE INDEMNITYAVIATION EXCLUSIONMILITARY EXCLUSION: Western Reserve Life Insurance Company vs. Meadows, 10. STATF LIFE FUNDREJECTION OF ALL COLORED APPLICANTS: Lange vs. Rancher

Description: This paper looks at the following cases: 1. DOING BUSINESS BY MAIL SERVICE OF PROCESS: Travelers Heath Association v. Virginia, 2. AVIATION EXCLUSION FAILURE OF INSURED TO SIGN RESTRICTIVE RIDER: McDaniel v. California-Western States Life Insurance Company, 3. WAR RIDER WAIVER BY ACCEPTANCE OF PREMIUMS: White v. New York Life Insurance Company, 4. MISREPRESENTATION IN APPLICATION MINORS BINDING EFFECT: Modern Woodmen of America v. Stevens, 5. DISABILITY BENEFITS INSANITY AS EXCUSING NOTICE: Chagnon v. Metropolitan Life Insurance Company, 6. AGENTS' COMPENSATION AMOUNT NOT AGREED TO IN ADVANCE: Metropolitan Life Insurance Company v. Durkin, 7. GOVERNMENT ALLOTMENTPAYMENT OF PREMIUMS IN ERROR: Atlas Life Insurance Company v. Davis, 8. EFFECTIVE DATESUBSTANDARD INSURANCE: Republic National Life Insurance Company v. Hall.

Description: This purpose of this paper is to furnish management of smaller companies with small company experience. This includes a comparison between medical and non-medical business and the maintaining of a continuous investigation procedure. This paper additionally determines experience rates of mortality for dividend purposes. Experience by cause of death is also provided.

Description: The purpose of this paper is to introduce a practical method for interpolation and smoothing and give a number of numerical examples using the method. The method is a variation of the Whittaker-Henderson method. Discussions of this paper are included.