Description: The purpose of this paper was to examine the job and compensation of the ordinary life insurance agent in relation to commissions and expense regulation and to examine how well the industry responds to customer needs, and consider how the system might be changed. The paper establishes some criteria for evaluating appropriateness of systems of both agent compensation and expense regulation. The paper is followed by submitted discussion papers

Description: This paper considers recent accidental death mortality experience applicable to both ordinary life policies and other accident products, presents a possible new valuation accidental death benefits mortality table for U.S. business, and provides several sources for actuaries interested in more information about accidental death mortality.