Description: Discusses methods developed facilitating the calculation of deficiency reserves arising because of graded premiums or policy fees, The extent dividends and premium rates are determined by a company's own mortality or morbidity experience, problems posed for smaller companies by recent increases in nonmedical limits, and if High School Mathematics Contests have helped smaller companies obtain actuarial personel.

Description: Discusses reduction in bank loan and minimum deposit business, sales of a combination of single premium immediate annuities with life policies on a guaranteed issue basis, likely results of recent court decisions regarding allowing interest on indebtedness as a tax deduction, and professional development needs for actuaries taking on management roles.

Description: Discusses cost-benefit decision-making for acquiring electronic data-processing equipment and installation issues, ability of small companies to compete in pension trust arena, effectiveness of various agency compensation programs in stimulating sales and improving persistency, success of sales to substandard risks and rating methods, and pricing, reinsurance and experience with individual hospital and medical policies.

Description: Discusses considerations in preparing rate books and policy forms based on the 1958 CSO Table, the advantages and disadvantages of early adoption of premium rates and values based on the 1958 CSO, and premium structures - banding, policy fees, etc.

Description: This discussion is about the new procedures that are being used or are contemplated in the preparation of new rate books and policy forms with reserves and cash values computed under the 1958 CSO Table.