Overview of Reserving Practices for Substandard Life Policies

Alfred Raws

North American Actuarial Journal, 1998, vol. 2, issue 2, 102-108

Abstract: This paper reviews the various industry practices, both past and current, for determining statutory reserves for substandard life insurance policies This review begins with single-life policies but also considers the application of single-life practice to joint-life policies The increased popularity of joint-life policies has taken place without much discussion in the technical journals of how to handle such issues as reserves on substandard business. This paper is intended to provoke such a discussion and to provide a framework for it.

Date: 1998
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DOI: 10.1080/10920277.1998.10595709

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