Description: Panelists provide regulatory updates about risk classification [including AIDS application issues], valuation and nonforfeiture, and cost disclosure. From the 1987 Record of Society of Actuaries, Vol. 13, No. 2.

Description: Panelists discuss new methods, ideas, and approaches to products designed to provide adequate compensation to agents under new compensation arrangements and appropriate profits for insurers, while maintaining customer values. From the 1987 Record of Society of Actuaries, Vol. 13, No. 2.

Description: This session from the 1984 SOA Toronto Meeting examines the current proposals, regulation and deregulation in the U.S. sector and Canada, The Baldwin-United problem and the implications for the life insurance framework in Canada. From Record of the Society of Actuaries Vol. 10. No. 4

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 session from the 1984 SOA Salt Lake City Meeting discusses the latest Exposure Draft of the Committee on Theory of Dividends and other Non-Guaranteed Elements in Life Insurance and Annuities and of other related developments in this area.

Description: This paper extends the author's previous study, 'An Expanded Financial Structure for Ordinary Dividends', to reflect amendments to the life insurance company federal income tax statutes introduced by the Tax Equity and Fiscal Responsibility Act of 1982 [TEFRA]. From Transactions of Society of Actuaries 1983, Vol. 35.

Description: This is a panel discussion session on dividends and non-guaranteed elements in individual life insurance and annuities.

Description: This panel discussion, which occurred at the October 1982 Society of Actuaries Annual Meeting in Washington D.C., presented information on the implementation of the 1980 amendments to the Standard Valuation Law. Topics included:1. Status of Enactment, 2. Guidelines For Interpretation, 3. Model Regulations including indeterminate premium plans, indexed plans and universal life., and 4. Computer Specifications for reserves and nonforfeiture values using the 1980 CSO Tables. From Record of Society of Actuaries, Vol. 8, No. 4.

Description: This is a discussion on individual life insurance market needs and product design under conditions of inflation. Specifically it highlights the needs and interests of potential customers during periods of inflation, what problems are created in traditional life insurance product design during inflation, what solutions are available to life insurance companies and what solutions may be available in the future.

Description: This session at the SOA 1982 Orlando Spring Meeting discusses insurance products dividend philosophy. Focus is on implications of AAA and CIA standards, equity among dividend classes, methods of investment income allocation, stock company issues, and treatment of federal income tax.

Description: This session from the 1981 SOA Spring Meeting discusses how the insurance industry will fare under different economic conditions according to an economotric model by Data Resources - DRI. The session also reviews how to incorporate inflation into actuarial calculations and the prospects and possiblities regarding inflation. From Record of Society of Actuaries, Vol. 7, No. 2.

Description: This session from the 1981 SOA Spring Meeting focused on return on investment in a rate-regulated environment. Topics included current rate-regulated environments, current use of ROI, ROI in price setting and future rate regulation controls. From Record of Society of Actuaries, Vol. 7, No. 2.

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 1980 session covers amendments to the SNL and SVL and the anticipated revision to the CSO Mortality Table. Questions discussed: 1. What changes can be expected in requirements in the1980's? 2. What changes in products design will likely emerge from these? 3. What will be the effect on future gross premium, cash value, and reserve levels? 4. Will these changes be compatible with all economic forecast scenarios? 5. Will these changes create a need for increased gross premium rates or for higher company surplus levels? 6. Should attention to solvency measures be increased? 7. Are the allowable valuation interest rates sufficiently liberal?

Description: This paper considers in more detail the differences between provisions necessary for nonparticipating and those necessary for participating adjustable life policies and will provide a possible means of designing nonparticipating policies that can adjust directly to future changes in mortality and interest valuation bases. A discussion of the paper follows. From Transactions of Society of Actuaries 1979, Vol 31.

Description: This 1978 panel discussion examined dividend philosophy. Topics covered: I. The appropriate basis of dividend illustrations 2. The professional responsibility of the actuary in the establishment of dividend scales and in dividend illustration practices 3. The need for professional opinions and guidelines concerning policyholder dividends and illustrations 4. The adequacy of the recommendations of the Committee on Dividend Philosophy in addressing current concerns. 5. Differences between the approach of the Cormnittee on Dividend Philosophy and the traditional approaches. 6. The development of dividends for participating products in stock companies.

Description: This session from the April 1976 Spring Meeting in Washington D.C. is about Variable Life Insurance, Section 79 Products, Policy Loan Interest Rates and Term Insurance.

Description: The following topics were discussed at concurrent sessions: 1. Personal Security in the 1970's- United States and Canada, 2. Adjusted earnings for life companies, 3. Pension funding, 4. What about these younger actuaries?, 5. Sources of statistical information for actuaries, 6. Variable life insurance, 7. Models and decision techniques, and 8. Role of the actuary in expense control. From Transactions of Society of Actuaries 1970, Vol 22, Pt. 2, No. 63.

Description: The following topics were discussed at concurrent sessions: 1. Pension benefit security bill, 2. Variable insurance products, 3. Trends in hospital and medical care utilization, 4. Insurance distribution and marketing systems, 5. Deferred and incentive compensation, 6. Annual Statement accounting, 7. Social Security and employee benefits in western Europe, 8. Individual medical expense insurance, 9. Reserves and related problems for variable annuities and cost-of-living benefits, 10. Topics for consulting actuaries, 11. Profit and other objectives in group operations, and 12. Life insurance operations overseas- problems and opportunities. From Transactions of Society of Actuaries, 1969 Vol. 21 Pt. 1 No. 61.

Description: This paper includes three discussions. The first is about permanent type insurance used as a substitute for group term insurance. The second discussion is about long-term disability experience, offsets and underwriting. The third discussion is about medical care expense insurance including experience, trends, impact of Medicare and COB. From Transactions of Society of Actuaries 1968, Vol. 20 Pt. 2, No. 56

Description: This paper examines the development of inflation and the dilemma the life insurance business faces. From Transactions of Society of Actuaries 1958, Vol. 10, No. 28.