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1918
One of the encouraging signs of progress in the field of statistics of late is the increasing number of studies of sources and methods for particular subjects, as distinguished from treatises on statistical sources and methods in general.
1918
The social statistician and actuary who professes to practice in the subject matters outlined in our Society's Constitution will sometime in the course of his career have occasion to compile or to use the social statistics which are, or at least should be, the firm support for every program of social legislation.
1918
The results of Mr. Mowbray's investigation into the increased disability due to infection of injuries caused by industrial accidents are, in my judgment, of much less importance than the emphasis he places upon the value in casualty insurance of comparisons between actual and expected events.
1918
Since life insurance practice has long been based upon established mortality tables, it is natural that there should have grown up the practice of comparison from time to time of actual morality with tabular expected.
1918
The title of this paper requires an explanation. Automobile insurance embraces such a wide range of coverage that it is necessary to limit the scope of the subject matter to be discussed. Every conceivable misfortune that can happen to the owner of an automobile or to the automobile itself (except deterioration and wear and tear of the automobile) has been made the basis for insurance.
1917
I have prepared this paper not with the idea that the information it contains is original, or the result of individual research on my part, but rather with the thought that some record should be made in the transactions of this Society of the interesting developments in the theory of law differentials which have grown out of the recent revision of the Workmen's Compensation Manual.
1917
The principle of law differentials in its application to the computation of compensation rates needs no defense at this time. It has proven itself almost indispensable in meeting the practical problems of compensation insurance at the time of the introduction of every new law, and is still of great help in those states where compensation laws have been in force for some years, and local experience has been accumulating.
1917
Such proportion of an insurance premium as is or may be assumed to be applicable to or necessary for the payment of all costs of conducting the business over and above the value of the benefits provided in the policy contract is commonly known as the loading. It includes such allowance for taxes as may be necessary and such specific provision for stockholders' profit or dividends to policyholders as may be decided upon.
1917
It has been my observation that the student who desires to secure membership in our Society, and who must, therefore, prepare himself for examination in the various forms of casualty insurance is handicapped by the lack of papers dealing with these subjects. I have thought that the preparation of such papers according to a prearranged formula and their publication in our Proceedings would be highly desirable.
1917
The recent revision of rates for workmen's compensation insurance should be of particular interest to the members of this Society. It is to be hoped that in due time complete details of the work will be available. In what follows, however, on account of the volume of material developed, it will be possible only to deal with the more important aspects of the subject, and in particular with those involving the application of actuarial principles.
1917
The divergence between financial exigency and scientific thought is well illustrated in the chief controversy of the recent rate revision over the use of graduated reduction factors, law differentials and expense loadings. The immediate cause for revision was the necessity for an advance in rates to provide adequate income for the carriers.
1917
That there must be some sort of regulation of competition in insurance, either by organization among the carriers or by the state, is too well established now to need demonstration. The more pertinent question at this stage of our development is: what shall be the nature of this regulation? The object to be secured is obvious : right rates.
1917
Mr. Woodward points out that although there has been little discussion, except in life insurance, of the theory upon which premiums should be loaded to provide for expenses, the practice seems to have followed the simple hypothesis that expenses should, in general, be assessed in proportion to the value of the insurance benefits provided. Mr.
1917
A complete classification of social facts in a discussion on prospects for social statistics in the next census year would probably not serve the practical interests of casualty statisticians and actuaries. The number and complexity of social phenomenon, and the lack of precise means for measuring or gauging social forces, are two essential checks and limitations upon our inquiry.
1917
Recent publications of the Swiss Accident Insurance Institution of Lucerne* furnish an exceptionally rich material for studying the technical methods followed in the administration of the compulsory industrial accident insurance law of Switzerland.
1917
The question of a proper method of computing basic pure premiums in workmen's compensation insurance is of prime importance to all casualty statisticians and actuaries and can in no way be said to be finally solved. In the last number of this publication I gave a brief outline of a method for collecting data to be used in the calculation of pure premiums.
1917
In commenting upon Mr. Fisher's approaches to some fundamental problems of higher statistical analysis in workmen's insurance, it is perhaps relevant to suggest that even our more experienced members are not yet prepared to apply the more recently developed analytic methods and criteria in their daily statistical and actuarial work. I t will be a more important service to define this broad difficulty than to discuss the details of Mr.
1917
The question of a proper method of computing basic pure premiums in workmen's compensation insurance is of prime importance to all casualty statisticians and actuaries and can in no way be said to be finally solved. In the last number of this publication I gave a brief outline of a method for collecting data to be used in the calculation of pure premiums.
1917
In the following pages I shall attempt to give a brief outline of a method of constructing a mortality table from the records of death by age and cause, but without knowing the exposed to risk at various ages. The method may to some appear new and revolutionary, and perhaps a few may assert it is impossible to construct a life table from such data alone without knowing the age distribution of the exposed to risk.
1917
It has been my observation that the student who desires to secure membership in our Society, and who must, therefore, prepare himself for examination in the various forms of casualty insurance is handicapped by the lack of papers dealing with these subjects. I have thought that the preparation of such papers according to a prearranged formula and their publication in our Proceedings would be highly desirable.
1917
The paper which Mr. Morris read before this Society in April last on Group Life Insurance is an exceedingly valuable addition to the material available on this subject, and inasmuch as a committee of the National Convention of Insurance Commissioners was appointed at St.
1917
Although this subject principally involves that of life insurance, it includes so many features analogous to the underwriting of casualty insurance that its discussion may essentially interest the members of this Society. While a great deal has been written regarding it in the public press as well as in the insurance publications during the last few years, the subject has been reviewed more particularly from an economic point of view.
1917
If it were not for the war we would, without doubt, find ourselves much further advanced in the throes of socialistic propaganda and thus be dealing more intimately with the question of state insurance, especially compulsory health insurance. It remains to be seen whether the war will increase or decrease the socialistic tendencies.
1917
Unless the extensive discussion and agitation of the problem of sickness loss among the industrial population now going on proves entirely abortive, our profession will soon be called upon to solve some new and very interesting problems in connection with provision for general health insurance.
