Description: This report, part of the Society of Actuaries [SOA] ‘Experience Studies – Business Practice Surveys,’ presents the results of a survey conducted by the SOA Committee on Life Insurance Mortality and Underwriting Surveys – Improving the New Business Process Survey Subcommittee. The survey examined the various changes U.S. and Canadian life insurance companies have recently made, or are considering making, to improve the new business process and to determine which changes were considered by the respondents to have had the most impact. Survey topics include the application process, changes to underwriting requirements, underwriting systems, underwriting resources, experience based on past changes, and policy delivery.

Description: This report presents the results of a survey of the actions companies took on their term products in response to the introduction of the NAIC Valuation of Life Insurance Policies Model Regulation, ‘Regulation XXX,’ and Actuarial Standard of Practice No. 40. The survey also explores the development of companies' X factors, the associated annual X factor certification process and how Regulation XXX impacts the companies' level term pricing. The survey was conducted by the Regulation XXX Survey Subcommittee of the Society of Actuaries Life Insurance Mortality and Underwriting Survey Committee. Common survey responses to Regulation XXX included consideration of reinsurance, changes in product design, the most common changes reported being the length of the guarantee period and the level of the gross premiums, and changing rates on existing products.

Description: This second study of intercompany mortality experience under structured settlement annuities examines experience through calendar year 1993.

Description: This mortality study is based on results of calendar year 1994 from 17 companies. Experience for issues ages over 70 is reported with differentiation by sex, issue age, policy year, amount, smoking status, underwriting status, reinsurance status, plan of insurance, and level of retention.

Description: This annual report of intercompany mortality experience for issue ages 70 and over covers the experience for calendar year 1995. Experience is reported by sex, issue age, duration, amount, smoking status, underwriting status, reinsurance status, and plan. From the 1997-1998 Reports.

Description: This mortality study is based on results of calendar year 1995 from 17 companies. Experience for amount of $1 million are more is reported with differentiation by sex, issue age, policy year, amount, smoking status, underwriting status, reinsurance status, plan of insurance, and level of retention.

Description: This mortality study is based on results of calendar year 1994 from 17 companies. Experience for amount of $1 million are more is reported with differentiation by sex, issue age, policy year, amount, smoking status, underwriting status, reinsurance status, plan of insurance, and level of retention.

Description: Experience study of reinsured older aged issue ages 70+ policies during calendar years 1997 and 1998.

Description: This mortality study, prepared by the Society of Actuaries Reinsurance Council and Manulife, is based on 1997 and 1998 large amount – face greater than $1 million - mortality experience of the six contributing reinsurance companies.

Description: This mortality study, prepared by the Society of Actuaries Reinsurance Council and Manulife, is based on 1997 and 1998 large amount – face greater than $1 million - mortality experience of the six contributing reinsurance companies.