A View of Non-Cancellable Disability Insurance [Reply]

To those who participated in the discussion the author extends sincere thanks for the generosity of their comments and for their contributions in emphasizing and expanding a number of important points. Beyond that, there is little to say in review of the fine discussions. It is interesting that two of the written discussions were submitted by men who were directly concerned with the last paper before this Society on the subject of non-can underwriting problems--Mr. Laird's paper presented exactly twenty years ago. Mr. Johnson contributed to the discussion at that time, and Mr. Hart was in close daily association with Mr. Laird. Mr. Powell, too, has been active in this field almost since its inception.