Description: An analysis of the 1999-2011 experience of all Blues plans of betweeen $1.8 and $3.8 billion in annual revenue in 2010 to determine if there is any empirical evidence of an industry underwriting cycle. The analysis shows there is no such evidence.

Description: This panel will discuss various product issues relating to dread disease products: features, cost levels, evolution, the future, the consumer and regulatory environment, and payroll deductions. The panel will describe the current products available in this market, with emphasis on cancer insurance. From the Record of the Society of Actuaries, Vol. 21, No. 4a.