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1920
I have read Mr. Cowles' paper with considerable interest, and particularly his pictures of the invention and development in America, as a means of transport, of the railroad train, trolley and automobile, the forerunners of aircraft. It is interesting, too, to note that the trolley, like the railroad, not being adaptable to purposes of sport, a development of these vehicles in the commercial sphere was not delayed by misapplication.
1919
It is impossible to cover the subject matter of this paper thoroughly in a brief discussion. Describing as it does the principles employed in a rate revision, it opens up for possible review a host of matters which, of themselves, are of sufficient importance to have been heretofore made the subject of papers by members of the Society.
1919
Mr. Blanchard's paper is informing, because he has given in compact form the principal tables and plates which show the Army activities in file war with Germany.
1919
The essentials of compensation insurance experience for ratemaking purposes are, for each classification or group of classifications, homogeneity as to process and hazard and an exposure broad enough to warrant dependable results.
1919
The graduation of frequency distributions may not improperly be referred to as that branch of actuarial and statistical theory which is most neglected.
1919
Mr. Michelbacher has furnished a comprehensive survey of conference forms and underwriting practices with an explanation of rate-making methods useful not only to the student but also so interestingly and lucidly written it may be read to advantage by automobile owners and others who may have an interest in the subject. My comments are few and they are principally confined to references which perhaps emphasize, as outlined by Mr.
1919
I would ordinarily approach the discussion of any subject before an actuarial society with considerable difference because I am not an actuary. Fortunately, however, the subject assigned to me requires for its discussion rather more words than figures, and on that basis perhaps I can get along with it.
1918
This paper traces in an informal way the general line of reasoning that was pursued in an investigation into the theory of experience rating which was made recently by the Actuarial Section of the National Reference Committee on Workmen's Compensation Insurance.
1918
The practice as opposed to the theory of experience rating may mean either of two things. It may mean the actual application of a plan to the routine rating of individual risks, or it may imply the development of a practical plan from fundamental theoretical principles. It is the purpose of this paper to deal almost exclusively with file second phase.
1918
Schedule rating, as applied to workmen's compensation insurance, practically began with the adoption of the Universal Analytic Schedule. The Industrial Compensation Rating Schedule of 1916 was not merely the successor but the immediate derivative of the Universal Analytic, from which it differed only in matters of detail, and not always by any means improved detail.
1918
This paper covers so much ground in so great detail that it is extremely difficult to discuss it in a small compass. There are, however, a number of points to which it seems to me attention should be directed. The general subject of the actuarial ground work for the next revision of rates is now in the hands of the Actuarial Section of the :National Reference Committee and we have had some discussion of the problems brought up in this paper.
1918
Not so very long ago I contributed a paper to the Proceedings of this Society, which paper was in opposition to experience rating. My objections to experience rating were largely upon the ground that as then practiced it was contrary to the basic principles of insurance.
1918
Not so very long ago I contributed a paper to the Proceedings of this Society, which paper was in opposition to experience rating. My objections to experience rating were largely upon the ground that as then practiced it was contrary to the basic principles of insurance.
1918
Everyone who has come in contact with the latest edition of the Industrial Compensation Rating Schedule will admit its superiority over the schedules which had their existence prior to1918 and out of which the present schedule has developed. I can find no basis for criticism, therefore, of Mr.
1918
The revision of Pennsylvania compensation insurance rates in October, 1918, is notable for several innovations which had been approved, officially or unofficially, by many actuaries and underwriters, but had not there to fore found practical application in rate making.
1918
Except in a few unusual lines of industry compensation insurance rates must for a long time in the future be based upon a minimum of dam supplemented by expert judgment. This must be so for at the present time there are some 1,400 classifications in the workmen's compensation rate manual. We may look forward to changes from time to time in the phraseolog 7 of the classifications and the elimination of some existing classifications.
1918
This paper deals with the application of the Tchebycheffian criterion to empirical probabilities of hazard derived from workmen's compensation data. It presents a practical method of analyzing by means of this criterion the data used in constructing compensation rates.
1918
The statistical problems of the United States Army during the present and passing war emergency have been characteristic of the organization and nature of war activities. The unprecedented extent, urgency and multiplicity of demands upon the military forces called for the development of a system of centralized and epitomized information for the chief executives of the Army with the least possible delay.
1918
This is the first part of a chapter in a text-book which will prove a very valuable manual for students of casualty and social insurance. This part deals with the statistical description of sickness, or the collection, editing and tabulation of crude data as distinguished from the critical analysis of tabulated material. The paper in itself will be valuable not only for its own suggestions, but for copious references to the works of others.
1918
We are greatly indebted to Mr. Woodward for bringing to our attention this interesting and instructive outline of the methods used by the Swiss Accident Insurance Institution in the computation of workmen's compensation rates, the rating of risks and the calculation of reserves.
1918
The general results achieved by Mr. Fisher in this paper are certainly as fascinating as any which have come from the laboratories of the modern analytic school in the physical and social sciences. Mr . Fisher's paper is in one sense a challenge.
1918
This paper is such a mine of information that it is hardly possible within the limits of any reasonably brief discussion to more than scratch the surface. I .am bringing to the attention of the society certain points which struck me quite forcibly in my first reading of the paper, although each subsequent perusal brings out new points of interest, and it would seem well worth while for each member to carefully study the voluminous data Dr.
1918
Mortality from External Causes Among Industrial Policyholders of the Metropolitan Life Insurance Co.
The group of the external causes of death is the fifth in order of numerical importance in this investigation. In any discussion of mortality, we may, in general, distinguish two main classes; first, those diseases and conditions which arise from pathologic processes within the body, and second, conditions which follow injury by some means or agency external to the human economy.
