Description: This session from the 1984 SOA Atlanta Meeting covers the importance of a monitoring system with flexible capabilities for managing health insurance and health insurance rate regulation addressing established guidelines for lifetime loss ratios.

Description: This paper suggests that many problems in health insurance pricing can be solved by requiring a minimum mandatory paid-up period [i.e., premium period shorter than insurance period], and by encouraging insureds to persist by providing them adequate pricing information. This will generate significant investment income for insuring programs and reduce the cost of insurance.