Description: This discussion looks at the approach companies are taking in developing dividend scales for participating accident and health policies as well as arguments for and against grading accident and sickness premiums. From Transactions of Society of Actuaries 1959, Vol. 11, No. 31.

Description: Tis is a discussion about many issues related to individual and family major medical insurance including deductibles and coinsurance, experience and trends, coverage for old age and substandard risks, guaranteed renewability for life, limitations for mental illness, and problems in underwriting and claims administration. From Transactions of Society of Actuaries 1959, Vol. 11, No. 31.

Description: In this article, the author discusses the report on Insurance Holding Companies recently published by the New York Insurance Departmentconcerning surplus levels. The author questions whether a complicated mathematical approach using risk theory will produce a better result than traditional rules of thumb and experience.

Description: The author suggests that the optimal use of capital requires one to find a way to strike a balance between the conflicting desires for maximizing long term profit and minimizing short term loss.

Description: This discussion is about individual and family major medical expense insurance. Topics discussed include morbidity experience, plan design and differences in claims cost due to socioeconomic status. From Transactions of Society of Actuaries 1961, Vol. 13 Pt. 2

Description: This discussion is about problems of smaller companies entering the individual health insurance field. From Transactions of Society of Actuaries 1962 Vol. 14 Pt. 2

Description: This is a discussion about premiums and underwriting for individual health insurance. From Transactions of Society of Actuaries 1962, Vol. 14 Pt. 2

Description: From the 1960 Transactions Vol. 12 No. 32, this article is a discussion of the paper ‘Introduction to Nonproportional Reinsurance,’ by Herbert L. Feay, which also appears in this volume of the Transactions. The contributors to the discussion provide their comments with respect to the author’s paper, raising some questions, but generally finding the paper an excellent introduction to a complex and not well explored field, at least from the perspective of life actuaries. The author, in his reply to the discussion, emphasizes that the paper was meant as an introduction to stimulate further work in this field.

Description: This discussion on individual insurance policy plans and rates looks at revisions made in mortality, interest and expense assumptions in recent changes in participating and non-participating premiums for life insurance and supplemental benefits. Also discussion of advantages and disadvantages of issuing to women a special life insurance policy, or class of policies. Finally, a discussion of the safeguards placed on the conversion of family income and decreasing term insurance riders to permanent insurance and the experience on such conversions?

Description: This general discussion examines disability income insurance and the inclusion of full time agents under the Social Security law.