Commercial Accident and Health Insurance From the Standpoint of the Insurance Company [Reply]

I wish to thank Mr. Sommer for his review of my paper. In general I am in agreement with his comments. I did not, however, intend to convey the impression that reinsurance companies are willingly taking losses on accident and health business due to profits from liability and other lines. It is true that underwriting losses on accident and health reinsurance have grown to be more or less the expected result, but I believe the reinsurers are taking these not willingly, but with reluctance.