Description: This panel discussion focuses on expense analysis and allocation. Areas addressed include standard of measure used, inconsistencies in expense allocations, and alternate methods of allocation of marketing expenses.

Description: Instructions for completing the workbook for the 2009 Individual Life and Annuity Expense Study.

Description: This panel discussion is about expense assumptions in pricing. It focused on: 1. What were the historical approaches to expense loadings in premium rates of life and casualty lines? 2. What are the fundamental differences in life vs. casualty expense assumptions? 3. Current changes. 4. Future possibilities.

Description: This is a request for data for the 2005 intercompany expense study.

Description: This is the sixth experience study conducted by the SOA’s Committee on Life Insurance Company Expenses on inter-company expenses. Contributions of individual life and annuity expense data were received from 27 US life insurance companies.

Description: This report documents the results of the Committee on Life Insurance Company Expenses' fourth annual expense study – the 2004 SOA Individual Life and Annuity Expense Study. A Per Policy Index for first year expenses and a Per Policy Inforce Index for operating expenses is developed as a high level basis of comparison.

Description: This article provides a description of the development process for the 2003 GRET factors. The results were also presented and discussed.

Description: GRET Table Factors History for 1998 through 2010.

Description: This paper estimates the acquisition and maintenance costs associated with life policies as a function of the amount of insurance and number of policies of an insurer by estimating a cost function for our sample of insurers.

Description: 1993 SOA Spring Meeting, Boston. This session discussed the concepts of expense allocation, determination of product costs, overhead expenses, the product-cost system, variable versus fixed expenses, and pricing on a marginal basis.