Description: Discusses the impact of federal income-tax laws on policyholders, insurance companies, and product design and marketing. From the 1987 Record of Society of Actuaries, Vol. 13, No. 2.

Description: This session from the 1984 SOA Toronto Meeting discusses rear end loaded universal life policies and the Canadian view on rear end loads on life and annuity policies. From Record of the Society of Actuaries Vol. 10, No. 4

Description: This is a discussion on the subject of simplified underwriting and guaranteed issue. This panel will explore 4 distinctly different guaranteed issue approaches the creation of underwriting pools for agencies and agents in the individual non-pension insurance sales area with respect to business insurance guaranteed issue mortality experience in the individual policy pension trust area how guaranteed issue underwriting is used in some direct-response marketing and finally, offering of additional insurance on a simplified underwriting basis for certain classes of existing policyholders.

Description: This session at the SOA 1990 Hartford Spring Meeting covers current reserving requirements for AIDS in the U.S., Canada, and the U. K. Case studies are presented that look at evaluating the AIDS risk and determining the necessary reserves and surplus for the extra mortality.

Description: This 1978 session discussed Individual Life Products in the Employee Market including: 1. The current status of the Section 79 market 2. The Retired Life Reserve concept 3. Trends in deferred compensation products 4. Recent activity in key person and split dollar markets.

Description: Discussion of the attitudes of consumers and consumerists regarding the life insurance industry and its products and a discussion of opportunities for improvement Topics include: 1. Disclosure to existing policyholders 2. Policy loan problems, including the policy replacement problem 3. dividend determination practices and 4. deceptive sales practices in the llfe insurance business.

Description: This concurrent session took place at the 1975 Society of Actuaries Spring Meeting in New York, held in April. The presenters addressed various aspects of agency compensation and consumerism including the objectives of a compensation system, the services performed by the agent, how consumers view agent compensation, how the commission structure affects an agent’s advice, the impact of inflation on agents’ earnings, possible improvements to agent compensation, and regulation of “fair value” of insurance.

Description: This panel discussion takes an in depth look at SOA and Academy committee proposals on actuarial principles and practices with respect to setting dividends for participating insurance. Discussion centered on equity in distributing surplus and appropriate methods and assumptions.

Description: This session from the 1983 SOA Vancouver Meeting covers Term Insurance including mortality and persistency experience and the impact of lapsation on profitability, mortality assumptions specifically with regard to smoker/non-smoker and reinsurance. Record of Society of Actuaries Vol. 9, No. 3

Description: Presented at October 1986 Annual Meeting. This session discusses new forms of compensation that are being utilized, the impact on product design, and the impact on company profitability.