Description: 1993 SOA Annual Meeting in New York. This session is about risk-appraisal techniques for the 21st century. Topics Include: 1. Some approaches that companies take and some issues that companies face in establishing preferred-risk underwriting programs. 2. Marketing, product design, and underwriting considerations for joint and second-to-die life insurance products. 3. Establishing assumptions for preferred-risk programs as well as some of the marketplace issues that need to be considered. 4. Expert underwriting systems. 5. The need for consistency in underwriting. 6. Developing trends in testing techniques and how those trends can be utilized in the underwriting process.

Description: Presented at May 1996 Spring Meeting. This panel shows how underwriters can use technology to obtain low-cost/high-value underwriting information and dramatically improve productivity. New screening tests and modification of standards for international markets are also discussed.