Description: This is a discussion about the business effects of adoption of the 1958 CSO mortality table, possible reasons for the declining trend in individual life insurance sales, and effects of NY limitations on commissions and developments in agency earnings that could lead to modifications in the agency system.

Description: This discussion is about the new procedures that are being used or are contemplated in the preparation of new rate books and policy forms with reserves and cash values computed under the 1958 CSO Table.

Description: This discussion looks at the trends in the use of salary and other financing plans for new agents, steps taken to effect change to a commission basis after an introduction period on salary, and what steps are taken in starting new agents under present cost of living conditions.

Description: This discussion focused on looking at the immediate uses of the 1951 Impairment Study for the smaller company, the use of new technology such as punch card machines in an effort to reduce cost, methods of budget procedure, use of interim financial reporting and attendant issues such as interim period reserve computations, and problems with underwriting, commission accounting, or conflict with interests of own agents when small companies accept business from agents or brokers of other companies.