Description: This session 36TS of the Toronto Spring Meeting discusses selected concepts that relate to risk appraisal in new business issuance and underwriting. Specific attention is focused on the relative values of underwriting tools, namely fluid collection: blood, urine, and oral fluid. From the Record of the Society of Actuaries, Volume 27, No. 2, Session 36TS

Description: This session from the 2003 SOA Orlando Meeting discusses the measures that are being taken to make underwriting requirements less stringent addressing simplified issue underwriting and table-shaving programs and the issues in developing products for these markets. From the Record of the Society of Actuaries, Volume 29, No. 3.