Description: 2004 SOA Spring Meeting, Anaheim, CA. In this session panelists presented an overview of underwriting processes for a variety of product lines. They also discuss related topics such as identifying keys to underwriting decisions, the cost of underwriting and protective value, and ensuring consistency with pricing assumptions. Some of the underwriting tools discussed were use of RX history, credit checks, DMV history, and fraud data bases.

Description: This session, from the June 2000 San Diego meeting of the Society of Actuaries, discussed ways the actuary can help the underwriter. Discussion included: 1. Overview of protective value theory 2.Simplified cost/benefit methods designing efficient underwriting rules.

Description: This session explores the product development process life cycle and focuses on the front-end elements of market research and competitive analysis. From the Record of the Society of Actuaries, Volume 27, No. 2, Session 22PD of the Toronto Spring Meeting

Description: 1993 SOA Annual Meeting, New York. This session was about defining lifetime marketing, a calculation of the lifetime customer value, and database marketing.

Description: 1999 SOA Annual Meeting, San Francisco. Presenters, each offering a different perspective, discuss a case study involving a successful bancassurance program focusing on: 1. Targeted customer segments. 2. Insurance products involved. 3. Distribution channels utilized. 4. Selling/underwriting/issue processes. 5. Refinements to the initial offering. 6. Key success factors. 7. Sales results.

Description: 1994 SOA Meeting, San Francisco. This session is about joint ventures and private labeling for life, annuity and disability products. In a primary variation of private labeling, a manufacturer develops, underwrites, administers, and does the actuarial functions, but the client company markets the product. Other variations of joint ventures have different distributions of duties.

Description: 1993 SOA Meeting, Quebec. This session discussion is about the dilemma for mutual companies including the search for capital, M&A considerations, and the demutualization alternative. Topics included: 1 Large mutual companies and their issues. 2. Small mutual companies and their issues. 3. The regulatory, legal, and tax aspects.

Description: 1993 SOA Spring Meeting, Boston. This session addressed the problems unique to mutual companies. Topics addressed included: 1. In search of capital. 2. Merger/acquisition considerations. 3. The demutualization alternative. 4. Profit crunch. 5. Joint ventures. 6. Lessons from other countries - Canada, Mexico, Britain.

Description: 1994 SOA Spring Meeting, San Francisco. This session explored the product design, pricing, and investment management strategies to mitigate the risk of long term minimum interest rates in a low interest rate environment.

Description: 1993 SOA Spring Meeting, Boston. This session is about underwriting, including new testing techniques, AIDS update, preferred risk selection, and current topics of interest.