Description: This discussion seeks to determine if: 1. Is there justification for paying higher rates of commissions to experienced agents? 2. Is grading of commission rates by size of policy appropriate for Ordinary insurance? 3. In what ways have normal commission scales been modified in connection with the sale of permanent insurance on the minimum deposit plan? 4. What practical methods are available to maintain consistency between the levels of commission payments for pension plans funded by means of individual policies and group annuities?

Description: This panel discussion session focuses on the problems associated with small defined benefit pension plans.

Description: This paper presents the commutation functions and net premiums required for reserve calculations with specimen reserve tables. From Transactions of Society of Actuaries 1959, Vol. 11, No. 30 AB.

Description: From the 1960 Transactions Vol. 12 No. 32, this ‘Digest of Informal Discussion’ addresses current developments and proposals with respect to life insurance company investments and inflation. The panelists address questions related to the extent and appropriateness of investment in common stocks, and the impact on actuarial practices and standards.

Description: Discusses reduction in bank loan and minimum deposit business, sales of a combination of single premium immediate annuities with life policies on a guaranteed issue basis, likely results of recent court decisions regarding allowing interest on indebtedness as a tax deduction, and professional development needs for actuaries taking on management roles.

Description: This discussion focuses on forms of insurance protection for long-term disability provided under individual policies and various types of group policies. This panel also discuss the experience available for determination of premium rates and reserves under aforementioned polices. From Transactions of Society of Actuaries 1961, Vol. 13, Pt. 2.

Description: From the 1960 Transactions Vol. 12 No. 32, this ‘Discussion of Subjects of Special Interest’ addresses several topics, including the impact on juvenile insurance of guaranteed insurability riders, family policies, and others, the impact on sales to females due to the introduction of lower costs, policies allowing conversion o monthly life income, use of age last birthday, and revised policy formats.

Description: This session at the SOA 1962 Jacksonville and Chicago Regional Meetings discusses marketing issues for life companies including concerns over abandoning the small face amount market and the shift to term insurance from permanent.

Description: This session from the 1976 SOA Winter Meeting is about individual retirement accounts: Product and Marketing, Taxation, Reporting and Disclosure, and Roll-overs.

Description: This 1981 session reviewed the relationship of group and individual insurance. Topics include differences in underwriting, legal constraints, marketing and distribution, and the nature of guarantees provided