index to volumes xxi-xxiv...xxi, d444. index to volumes xxi-xxiv index to volumes xxi-xxiv on: a....

TRANSACTIONS OF SOCIETY OF ACTUARIES 1972 VOL. 24 PT. 1 NO. 70

I N D E X TO VOLUMES X X I - X X I V

ABBOT, QUINCY S.--Discussion on: Computer Models and Simulation, XXI, D445.

ABBOTT, ELEANOR A.--Obituary Notice, XXI, 187. ACCIDENTS--Book Review: Accidents and Homicide iAlbert P. Islsant and

Paul V. Joliet), Reviewed by Franklin E. Peters, XXII, 54. ACCOUNTING--See also Financial Statement.

Book Reviews: Accounting for Lif ~. Insurance Companies (Charles L. Van House, St., F.L.M.I., and W. Rogers Hammond, D.B.A., C.P.A.), Reviewed by Joseph C. Noback, XXII, 53.

Cost Facts on Life Insurance (Price Gaines, Jr.), Reviewed by James J. Halloran, XXII, 417.

Discussion on: Adjusted Earnings, XXIII, D327. Adjusted Earnings for Life Companies, XXII, D341. Annual Statement Accounting, XXI, DT01. Liabilities and Surplus in the 1970's, XXIII, D587. Responses to the AICPA Draft, XXIII, D413. Symposium on Adjusted Earnings, XXIII, D369.

Papers: Adjusted Earnings for Mutual Life Insurance Companies (Donald D. Cody), XXIV, 31.

Schedule for Amortization of Acquisition Costs versus Amortization of Acquisition Costs by Use of Natural Reserve Factors (Joe B. Pharr), XXIV, 25; Discussion, XXV, 215.

Uniform Approach to Accounting for Bond and Common Stock Invest- meats (Daniel F. Case), XXIV, 435.

ACTIVITIES OF THE SUBCOMMITTEE ON VARIABLE CONTRACTS OF THE ALC- LIAA ACTUAmAL COMMiTTEE--Discussion (Har'ry Walker), XXI, D543.

ACTUARIAL FUNCTIONS AS EXPECTED VALUES--John A. Fibiger and Stephen G. Kellison, XXlII, 1, 149; Discussion, XXlII, 141.

ACTUARIAL MATHEMATICS--Book Review: Fundamentals of Pension Mathematics (Barnet N. Berin), Reviewed by Paul H. Jackson, XXIV, 43.

ACTUARIAL PRINCIPLES AND PRACTICES FOR PENSION PLANS--Discussion, XXIV, D45, D121, D385.

ACTUARIAL REPORTING FOR MANAGEMENT--Discussion, XXII, D587. ACTUARIAL REPORTING TO MANAGEMENT--Discussion, XXIII, D15, D221. ACTUARIES

Discussion on: Actuarial Reporting for Management, XXII, D587. Casualty Insurance and the Life Actuary., XXIV, D857. Changing Role of the Actuary, XXI, D267. Comments on Proposed Amendment to the Constitution to Permit Pub-

lic Expression of Professional Opinion, XXII, 443. Future of the Profession, XXIV, D793. Participation of Actuaries in Governmental Advisor3" Groups, XXII ,

D503. Profession and the Life Insurance Buyer, XXIV, D753. Retirement-Age Dilemma, XXII, D555. Social and Economic Role of the Actuary, XXII, D663.

553

554 INDEX TO VOLUMES XXI--XXIV

Suggestions Received in Response to Our Library Mailing (John W. Tomlinson), XXII, D47I.

Topics for Consulting Actuaries, XXI, D763. Training of Actuarial Students in the United Kingdom, XXII, D5. What about These Younger Actuaries? XXII, D369.

ACTUARY'S RESPONSIBILITY TO HIS VARIOUS PUBLICs--Discussion, XXIII, D3, D201.

ADAMS, WARREN R.--Book Review: Mathematics of Compound Interest (Marjorie V. Butcher and Cecil J. Nesbitt), XXIII, 628.

ADJUSTED EARNINGS Discussion on: Adjusted Earnings, XXIII, D145, D327, D675; XXIV,

D511, D729. Papers: Adjusted Earnings for Mutual Life Insurance Companies (Donald

D. Cody), XXIV, 31, 237. Life Insurance Earnings and the Release from Risk Policy Reserve

System (Richard G. Horn), XXIII, 391, 414. ADJUSTED EARNINGS FOR LIFE COMPANIES--Discussion, XXII, D341. ADJUSTED EARNINGS FOR MUTUAL LIFE INSURANCE COMPANIES--Donald

D. Cody, XXIV, 31, 237; Discussion, XXIV, 217. ADJUSTING MULTIPLE-DEcREMENT TABLES--John M. Krall and James C.

Hickman, XXII, 163, 187; Discussion, XXII, 181. AGENT COMPENSATION--Discussion, XXIII, D171, D355. AITKEN, WILLIAM H.

Discussion on: Annual Statement Accounting, XXI, D705. Marketing Trends--Smaller Companies, XXI, D367.

ALAZRAKI, ALBERT--Discussion on: Outlook for Public Employee Retirement Systems, XXIV, D167.

ALGORITHM FOR COMPUTING EXPECTED STOP-Loss CLAIMS UNDER A GROUP LIFE CONTRACT--John A. Mereu, XXIV, 311, 346; Discussion, XXIV, 321.

ALLEN, HAROLD G.--Discussion on: Mutual Life Insurance Com- panies -Thei r Objectives and Operating Philosophy, XXIII, D449.

ALLEN, HOWARD D.--Discussion on: Insurance Distribution and Marketing Systems, XXI, D667.

ALLISON, WILLIAM A.--Discussion on: Corporate Models and Corporate Planning, XXIV, D615.

ALLSTROM, HENRY W.--Obituary Notice, XXI, 188. ALTERNATE ROUTE--Discussion, XXI, D545; XXII, D477; XXIII, D86,

D281. ALTERNATIVES FOR PENSION LEGISLATION--Discussion, XXIV, D21. ALTERNATIVES IN VARIABLE ANNUITY BENEFIT DESIGN--John H. Biggs,

XXI, 495, 526; Discussion, XXI, 519. ALTMAN, KENNETH

Discussion on: Outlook for Public Employee Retirement Systems, XXIV, D174.

Pension Plan Developments, XXII, D223. State, Provincial, and Municipal Employee Pension Plans--Financing

and Other Problems, XXIII, D477. ALTSCHULER, MICHAEL C.--Discussion on: Computer Models and Simula-

tion, XXI, D138. ANALYSIS OF BASIC ACTUARIAL THEORY FOR FIXED PREMIUM VARIABLE

INDEX TO VOLUMES XXI--XXIV 555

BENEFIT LIFE INSURANCE--John C. Fraser, Walter N. Miller, and Charles M. Sternhell, XXI, 343, 433; Discussion, XXI, 379.

ANALYSIS OF CONTRIBUTIONS TO SURPLUS--Robert H. Jordan, XXI, 81, 313; Discussion, XXI, 307.

ANDERSON, ARTHUR W. Discussion on: Asset Management, XXIV, D75.

Pension Benefit Security Bill, XXI, D589. Paper: New Look at Gain and Loss Analysis, XXIII, 7, 182.

ANDERSON, DONALD R. Discussion on: Numerical Analysis, XXI, D926.

Topics for Consulting Actuaries, XXI, D765. ANDERSON, JAMES A.--Discussion on: Variable Life Technical Problems,

XXIV, D785. ANDERSON, JAMES C. H.

Discussion on: Life Insurance Operations Overseas--Problems and Opportunities, XXI, D821.

Life Insurance Product Development, XXIV, D269. ANDERSON, ROY R.

Discussion on: CasualW Insurance and the Life Actuary, XXIV, D859. Proposed Changes in Automobile Liability Insurance, XXI, D319.

ANDERSON, WILLIAM MATHESON--Obituary Notice, XXI, 673. ANGLE, JOHN C.

Discussion on: Actuary's Responsibility to His Various Publics, XXIII, D213.

Health Care Delivery in the 1970's, XXII, D81. Health Insurance and Health Care, XXIV, D566. Health Insurance in Transition, XXIV, D195. Observations on the 1970 National Health Forum, XXII, D11. Social and Economic Role of the Actuary, XXII, D669.

ANNUAL STATEMENT ACCOUNTING--Discussion, XXI, D701. ANNUITIES--Book Review: History_ of Individual Annuity Contracts,

Reviewed by Robert C. Dowsett, XXI, 661. ANTLIFF, JOHN C.

Discussion on: Actuarial Reporting for Management, XXII, D600. Current Developments in Group Life and Health Insurance, XXIV,

D347. Group Annuity Mortality Table--1971 (Harold R. Greenlee, Jr., and

Alfonso D. Keh), XXIII, 612. Profit and Other Objectives in Group Operations, XXI, D815.

APPLICATION OF SIMULATED STOCK MARKET TRENDS TO INVESTIGATE A RUIN PROBLEM--Frank P. DiPaolo, XXI, 549; Discussion, XXI, 561.

ARCHER, ALLAN K.--Discussion on: Taxation of Variable Annuities and Mutual Funds, XXI, D881.

ARCHIBALD, JOHN C.--Discussion on: Insurance Distribution and Marketing Systems, XXI, D667.

ARENBERG, J. THEODORE Discussion on: Adjusted Earnings, XXIV, D530.

Symposium on Adjusted Earnings, XXIII, D369. ARGANBRIGHT, A. DEAN--Discussion on: Marketing Trends--Smaller Com-

panies, XXI, D407.


ARNOLD, DANIEL M.--Discussion on: What about These Younger Actuaries? XXII, D377.

ARNOLD, E. ALLEN Discussion on: Changing Modes of Family Life, XXIII, D646.

Past and Future Dynamics of North American Retirement Systems, XXIV, D10.

Social and Economic Role of the Actuary, XXII, D679. Trends in Employee Benefit Plans, XXII, D611.

ARVANITIS, ERNEST A.--Discussion on: On the Credibility of Group Insur- ance Claim Experience (Myron H. Margolin), XXIII, 239.

ASSET MANAGEMENT--Discussion, XXIV, D61. ASSET VALUE GUARANTEES UNDER EQUITY-BASED PRODUCTS--Samuel H.

Turner, XXI, 459; Discussion, XXI, 479. ATTWOOD, JAMES A.

Discussion on: Actuarial Principles and Practices for Pension Plans, XXIV, D123.

Economy and Federal Policy, XXIV, D632. Pension Benefit Security Bill, XXI, D575. Profit and Other Objectives in Group Operations, XXI, D816. Trends in Employee Benefit Plans, XXII, D605.

AUTIN, A. ANTHONY, JR. Discussion on: Actuarial Reporting for Management, XXII, D601.

Actuarial Reporting to Management, XXIII, D232. Role of the ActuaD' in Expense Control, XXII, Dl13.

BAHN, DAVID J, Discussion on: Continuing Education--Discussion of Trowbridge Report,

XXII, D281. Mortality Trends, XXI, D905.

BAILEY, WILLIAM A. Discussion on: Algorithm for Computing Expected Stop-Loss Claims

under a Group Life Contract (John A. Mereu), XXIV, 321. Projections of Variable Life Insurance Operations (Paul Markham

Kahn), XXIII, 362. Variable Life Insurance, XXIII, D82.

BAITLER, SIMON C. Discussion on: Education and Examination of Actuaries, XXII, D659.

Retirement-Age Dilemma, XXII, D585. BARBER, DONALD G.--Discussion on: Changing Modes of Family Life,

XXIII, D645. BARHAM, TrtOMAS C., III--Book Review: Health Insurance (O. D. Dicker-

son), XXI, 177. BARNHART, E. PAUL

Discussion on: Current Developments in Group Life and Health Insur- ance, XXIV, D364.

Disability Income Insurance Written on Individual Policies, XXII, D628.

Health Insurance and Health Care, XXIV, D564. Some Observations on the Nature of the Risk of Disability, Its

Measurement and Control (John H. Miller and Simon Courant), XXIV, 369.

Papers: Return of Premium Benefit Health Insurance, XXII, 235. Revised Tables for Major Medical Benefits, XXI, 21.


BARNHART, LYLE H.--Discussion on: Marketing Trends--Smaller Com- panies, XXI, D408.

BARTLESON, EDWIN L.--Discussion on: Return of Premium Benefit in Health Insurance (E. Paul Barnhart), XXII, 273.

BARTLETT, DWIGHT K., III Discussion on: Adjusted Earnings, XXIII, Dl62.

Annual Statement Accounting, XXI, D701. Profit Squeeze for Individual Insurance, XXIII, D127.

BASSETT, PRESTON C. Book Review: Status of Funding under Private Pension Plans (Frank

L. Griffin, Jr., and Charles L. Trowbridge), XXI, 629. Discussion on: Actuarial Principles and Practices for Pension Plans,

XXIV, D395. Long-Range Viability and Regulation of Corporate Pension Plans,

XXIII, D540. Pension Plan Developments, XXII, D218.

BATEMAN, D. H. SAMuEL--Discussion on: Liabilities and Surplus in the 1970's, XXIII, D587.

BATTEN, ROBERT W. Discussion on: Continuing Education--Discussion of Trowbridge Report,

XXII, D274. Paper: Logical Approach to Population Problems, XXI, 49, 299.

BATTLE, WILLIAM R. Discussion on: Marketing Trends--Smaller Companies, XXI, D373.

Role of the Actuary in Expense Control, XXII, D114. BAttER, NichOLAS--Discussion on: Statistical Studies of Stock Market

Behavior, XXII, 552. BAUGHMAN, CHARLES B.

Discussion on: Analysis of Basic Actuarial Theory for Fixed Premium Variable Benefit Life Insurance (John C. Fraser, Walter N. Miller, and Charles M. Sternhell), XXI, 379.

Equity-oriented Products, XXI, D180. Variable Life Insurance, XXII, D159; XXIV, D664. Variable Life Technical Problems, XXIV, D790.

BAYO, FRANCISCO Book Reviews: Limits to Growth (Donella H. Meadows et al.), XXIV,

512. Population, Facts and Methods of Demography (Nathan Keyfitz and

Wilhelm Flieger), XXIV, 510. Principles of Demography (Donald J. Bogue), XXI, 634.

Discussion on: Adjusting Multiple-Decrement Tables (John M. Krall and James C. Hickman), XXII, 184.

Mortality Trends, XXI, D895. Papers: Mortality of the Aged, XXIV, 1, 213.

Mortality and Remarriage Experience for Widow Beneficiaries under OASDI, XXI, 59, 305.

BEACH, MORRISON H. Discussion on: Changing Role of the Actuary, XXI, D285.

Impact of Inflation on the Life Insurance IndustD,, XXII, D33. BEAIRD, V. CLARK

Discussion on: Asset Management, XXIV, DB1. Pension Plan Developments, XXII, D202.

BEARDSLEY, CHARLES M. Book Review: Life Insurance Accounting: .4 Study of Financial State-


ments of Life Insurance Companies in the United States and Canada (Joseph C. Noback), XXI, 149.

Discussion on: Return of Premium Benefit in Health Insurance (E. Paul Barnhart), XXII, 287.

United States Federal Income Tax, XXI, D74. BECKER, MURRAY L.

Book Review: Society of Actuaries' Textbook on Life Contingencies (Chester Wallace Jordan, Jr.), XXI, 147.

Discussion on: Actuarial Principles and Practices for Pension Plan,, XXIV, D142,

Asset Management, XXIV, D77. Benefit Design, XXIV, D164. Equity-oriented Products, XXI, D160.

BEEKMAN, JOHN A. Book Reviews: Introduction to Probability Theory and Its Applications

(William Feller), XXIV, 51. Nouvelles tables--types de mortalit~ (Sully Ledermann), XXIII, 647. Tomorrow's Math (C. Stanley Ogil~3'), XXIV, 51.

Discussion on: Simulation of Ruin Potential of Nonlife Insurance Com- panies (Hilary L. Seal), XXI, 587.

Paper: Ruin Function Approximation, XXI, 41, 277. BEERS, JOSEPHINE W.--Discussion on: Current Developments in Group Life

and Health Insurance, XXIV, D348. BELLAMY, DR. DONALD F.--Discussion on: Personal Security in the

1970's--United States and Canada, XXII, D333. BELTH, JOSEPH M.

Discussion on: Life Insurance Net Cost Comparisons, XXI, D193, D206. Twenty-Year Net Cost Formula (Peter L. J. Ryall), XXI, 315.

BENDER, RAYMOND W. Discussion on: Actuarial Principles and Practices for Pension Plans,

XXIV, D390. Pension Developments, XXIII, D119.

BENEDICT, ELMER R.--Book Review: Ethics, Morality and Insurance (John D. Long), XXIII, 632.

BENEFICIAmEs--Paper: Mortality and Remarriage Experience for Widow Beneficiaries under OASDI (Francisco Bayo), XXI, 59.

BENEFIT DESIGN--Discussion, XXIV, D145. BENJAMIN, SIDNEY--Discussion on: Asset Value Guarantees under Equity-

based Products (Samuel H. Turner), XXI, 479. BERAM, GEORGE--Discussion on: Management of Professional Personnel,

XXI, D444. BERGQUIST, WAYNE E.--Discussion on: Actuarial Reporting for Manage-

ment, XXII, D601. BERIN, BARNET N.

Discussion on: Continuing Education--Discussion of Trowbridge Report, XXII, D283.

Group Annuity Mortality Table--1971 (Harold R. Greenlee, Jr., and Alfonso D. Keh), XXIII, 617.

New Look at the Frequency of Pension Plan Actuarial Valuations (Neil R. Cronquist and William A. Dreher), XXIV, 125.

New Look at Gain and Loss Analysis (Arthur W. Anderson), XXIII, 151.

INDEX TO VOLUMES XXI-XXIV 559

BERNAUER, JoHN--Discussion on: Annual Statement Accounting, XXI, D703.

BERRY, GEORGE L.--Discussion on: Current Developments in Group Life and Health Insurance, XXIV, D333.

BICKEL, STEPHEN D.--Discussion on: Annual Statement Accounting, XXI, D704.

BIERSCHBACH, RAYMOND A. Discussion on: Cash-Flow Problems, XXII, D721.

Consumerism, XXIV, D458. Uniform Approach to Accounting for Bond and Common Stock Invest-

ments (Daniel F. Case), XXIV, 479. Variable Life Insurance, XXIII, D263.

BIGGS, JAMES F. A. Discussion on: Alternatives for Pension Legislation, XXIV, D44.

Benefit Design, XXIV, D163. BIGGS, JOHN H.

Discussion on: Uniform Approach to Accounting for Bond and Common Stock Investments (Daniel F. Case), XXIV, 476.

Variable Life Insurance, XXII, D144. Paper: Alternatives in Variable Annuity Benefit Design, XXI, 495.

BIRKENSHAW, JOHN T.--Discussion on: Investing during the 1970's, XXIII, D519.

BISHOP, GEORGE WALTER--Obituary Notice, XXI, 189. BITTEL, W. HAROLD

Discussion on: Annual Statement Accounting, XXI, D705. Developments in State Insurance Laws, XXII, D559. Liabilities and Surplus in the 1970's, XXIII, D609. Return of Premium Benefit in Health Insurance (E. Paul Barnhart),

XXII, 274. Symposium on Adjusted Earnings, XXIII, D400.

BITZER, J. FREDERICK Discussion on: Government Regulation of Group Insurance and Group

Pensions, XXIV, D695. Pension Plan Developments, XXII, D219.

BLACK, HAROLD W.--Discussion on: Marketing Trends--Smaller Com- panies, XXI, D369.

BLACKADAR, WALTER LLoYo--Obituary Notice, XXI, 675. BLAGDEN, HENRY E.

Discussion on: Final-Pay Pension Plans, XXI, D537. Pension Benefit Security Bill, XXI, D599. Pension Plan Developments, XXII, D222. Topics for Consulting Actuaries, XXI, D770.

BLAIR, B. FRANKLIN--Discussion on: Natural Reserve Concept and Life Insurance Earnings (Joe B. Pharr), XXIII, 117.

BLEAKNEY, THOMAS P. Discussion on: Asset Management, XXIV, D80.

Outlook for Public Employee Retirement Systems, XX1V, D172. State, Provincial, and Municipal Employee Pension Plans--Financing

and Other Problems, XXIlI, D465. BLOCH, MAx--Discussion on: Cost of Vesting in Private Pension Plans

(Charles L. Trowbridge), XXIV, 412. BOECKNER, ROBERT G.--Discussion on: Consumerism, XXIV, D677.

560 INDEX TO VOLUMES XXI-XXIV

BOERMEESTER, JOHN M. Discussion on: Continuing Education--Discussion of Trowbridge Report,

XXII, D300. New York Life Variable Life Insurance Design on a Daily Basis (Ed-

ward Scher), XXIII , 377. Projections of Variable Life Insurance Operations (Paul Markham

Katm), XXIII , 355. Underwriting the Catastrophe Accident Hazard, XXIV, D403. United States Federal Income Tax, XXI, D424.

BOILV, CLAUDE G.--Discussion on: Profit and Other Objectives in Group Operations, XXI, D817.

BOLEY, RUSSELL A.--Discussion on: Mergers, Acquisitions, and Valuation of Stockholder Equity, XXI, D514.

BONNARD, J. G. FERNAND--Discussion on: Adjusted Earnings, XXIII, D675.

Book REVIEWS AND NOTICEs--XXI, 147, 627; XXII, 53, 401; XXIII, 49, 627; XXIV, 43, 501.

BOOTH, JOHN K.--Discussion on: Analysis of Basic Actuarial Theory." for Fixed Premium Variable Benefit Life Insurance (John C. Fraser, Walter N. Miller, and Charles M. Sternhell), XXI, 382.

BOOTHROYD, HERBERT J. Discussion on: Actuarial Principles and Practices for Pension Plans,

XXIV, D402. Profession and the Life Insurance Buyer, XXIV, D758.

BoRcn, KARL--Discussion on: Utility Theory, XXI, D343. BOSWELL, RlCnARD L.--Discussion on: Critical Look at the Standard Non-

forfeiture and Valuation Laws, XXIV, D312. BOURDEAU, PAUL T.--Discussion on: Insurance Distribution and Marketing

Systems, XXI, D679. BOURDON, DEREK I.--Discussion on: Investment of Assets--the Other Half

of the Balance Sheet, XXIV, D485. BOWERS, NEWTON L., JR.

Book Review: Introduction to the Mathematics of Population (N. Keyfitz), XXI, 631.

Discussion on: Ruin Function Approximation (John A. Beekman), XXI, 275.

Paper: Upper Bound on Stop-Loss Net Premium, XXI, 211. BOWLES, TttOMAS P., JR.

Discussion on: Computer Models and Simulation, XXI, D120. Elections by Mail, XXllI , D238. Equity-oriented Products, XXI, D11. Mer~ers, Acquisitions, and Valuation of Stockholder Equity, XXI,

D493. Panel Discussion: Past Is Prologue, XXI, D551. Variable Life Insurance, XXII, D390.

Paper: Return on Stockholder Equity, XXI, 9, 274. BOWLING, THOMAS B.--Discussion on: Taxation of Insurance in Canada

(Raymond L. Whale3'), XXII, 385. BOYNTON, EDWIN F.

Discussion on: Actuarial PrincipLes and ,Practices for Pension Plans, XXIV, D139.

New Economic Policy--Impact of Phase 2 on Pension Plans, XXIV, Dlol .

Outlook for Public Employee Retirement Systems, XXIV, D178.


BRADY, ROBERT P.--Discussion on: Corporate Diversification: Experience in the United States and Canada, XXIV, D599.

BRAGG, JOHN M. Discussion on: Analysis of Basic Actuarial Theory for Fixed Premium

Variable Benefit Life Insurance (John C. Fraser, Walter N. Miller, and Charles M. Sternhell), XXI, 385.

Consumerism, XXIV, D459. Continuing Education of the Actuary, XXII, D323. Continuing Education--Discussion of Trowbridge Report, XXII,

D271. Current Developments in Group Life and Health Insurance, XXIV,

D347. Developments in State Insurance Laws, XXII, D556. Elections by Mail, XXIII, D44, D240. Equity-oriented Products, XXI, D47. Liabilities and Surplus in the 1970's, XXIII, D605. Marketing Expense--Those Items Not Directly Allocable: Allocation

and Control in Multiline Marketing Systems, XXIV, D715. Natural Reserve Concept and Life Insurance Earnings (Joe B. Pharr),

XXIII, 121. Recent Developments on Continuing Education, XXII, D473. Report on Joint Actuarial Committee Meeting, XXII, D311. Symposium on Adjusted Earnings, XXIII, D408. Twenty-Year Net Cost Formula (Peter L. J. Ryall), XXI, 319. Variable Insurance Products, XXI, D608.

Paper with David A. Stonecipher: Life Insurance Based on the Consumer Price Index, XXII, 333.

BRAUND, ROBERT G.--Discussion on: Life Insurance Net Cost Comparisons, XXI, D196.

BREHM, ROBERT T.--Discussion on: New Investment Measures for Pension Funds, XXIV, D643.

BRIGGS, PHILIP--Discussion on: Health Insurance in the United States, XXIII, D672.

BROCKETT, JERRY L.--Discussion on: State, Provincial, and Municipal Employee Pension Plans--Financing and Other Problems, XXIII, D482.

BROPHY, JOSEPH T.--Discussion on: Deferred Tax Considerations, XXlII, D435.

BROSSEAU, ALDEN W. Discussion on: Corporate Planning, XXI, D893.

Deferred and Incentive Compensation, XXI, D698. Profit and Other Objectives in Group Operations, XXI, D804. Trends in Employee Benefit Plans, XXII, D614. Trends in Hospital and Medical Care Utilization, XXI, D665.

BROWN, i . DAVID R.--Discussion on: Long-Range Viability and Regulation of Corporate Pension Plans, XXlII, D531.

BROWN, WALTER CLARKE--Obituary Notice, XXlI, 65. BROWN, WILLIAM A.--Discussion on: Mergers, Acquisitions, and Valuation

of Stockholder Equity, XXI, D236. BROWN, WILLIAM C.--Discussion on: Equity-oriented Products, XXI, D146. BRUCE, JAMES G.--Discussion on: Return on Stockholder Equity (Thomas

P. Bowles, Jr.), XXI, 241. BRUMMER, GEORGE B.--Discussion on: Topics for Consulting Actuaries,

XXI, D777.


BRYAN, WILLIAM J., JR.--Discussion on: Marketing Trends--Smaller Com- panies, XXI, D368.

BRZEZINSKI, JOSEPH R. Discussion on: Marketing/Agency Supervision, XXIV, D850.

Smaller Company Forum, XXIII, D191. BUCHTER, GENE W.--Discussion on: Role of the Actuary in Expense Control,

XXII, D124. BUCK, NORMAN F.--Discussion on: Mortality Trends, XXI, D896. BUCKMAN, ALFRED L.

Discussion on: Actuarial Reporting to Management, XXIII, D231. Adjusted Earnings, XXIII, D354. Equity-oriented Products, XXI, D475. Health Care Delivery in the 1970's, XXII, D55. Individual Medical Expense Insurance, XXI, D735. Insurance Distribution and Marketing Systems, XXI, D670. Marketing Trends--Smaller Companies, XXI, D409. Profit Squeeze for Individual Insurance, XXIII, D305.

BURGESS, WILLIS W., JR.--Discussion on: Return of Premium Benefit in Health Insurance (E. Paul Barnhart), XXII, 280.

BURLING, IRVING R.--Discussion on: Life Insurance Product Development, XXIV, D267.

BURLING, WILLIAM H. Discussion on: Canadian Income Tax, XXI, D255.

Changing Role of the Actuary, XXI, D272. Health Insurance in the United States, XXIII, D663.

BURNELL, BRIAN L. Discussion on: Investment Responsibility of the Actuary, XXII, DII0.

Variable Life Insurance, XXIII, D278. BURNS, BARTON--Discussion on: Deferred Tax Considerations, XXIII,

D438. BURNS, JOHN C.--Discussion on: Marketing Trends--Smaller Companies,

XXI, D373. BURNS, WILLIAM R.--Discussion on: Adjusted Earnings, XXIII, D168. BURROWS, RICHARD A.


Future of the Profession, XXIV, D813. Variable Life Insurance, XXII, D174.

BURTON, BURTON E.--Discussion on: Trends in Hospital and Medical Care Utilization, XXI, D641.

BYRD, DR. JAMES A.--Discussion on: Impact of Inflation on the Life Insur- ance Industry, XXII, D21.

BYRNE, JOHN J.--Discussion on: Equity-oriented Products, XXI, D141.

CAIN, LAVERNE W.--Discussion on: Net Cost Comparisons, XXII, D713. CAMPBELL, GEORGE C.--Discussion on: Canadian Income Tax, XXI, D251. CAMPBELL, N. DOUGLAS--Discussion on: Social and Economic Role of the

Actuary, XXII, D666. CAMPBELL, PAUL A.

Discussion on: Elections by Mail, XXIII, D240. Life Insurance Product Development, XXIV, D268.


Reserves and Related Problems for Variable Annuities and Cost-of- Living Benefits, XXI, D756.

Variable Insurance Products, XXI, D640. What about These Younger Actuaries? XXII, D375.

CANADIAN INCOME TAx--Discussion, XXI, D251. CANNON, GARNETT E.--Discussion on: Actuary's Responsibility to His Vari-

ous Publics, XXIII, D201. CANNON, LESLIE A.--Discussion on: Equity-oriented Products, XXI, D165. CARBERRY, JOHN P.--Discussion on: Actuary's Responsibility to His Various

Publics, XXIII, D203. CARDINAL, CLAYTON A.

Discussion on: Adjusted Earnings, XXIV, D749. Adjusted Earnings for Mutual Life Insurance Companies (Donald D.

Cody), XXIV, 232. Life Insurance Earnings and the Release from Risk Policy Reserve

System (Richard G, Horn), XXIII, 401. CARGILL, LEONARD R., JR.

Discussion on: Actuarial Reporting to Management, XXIII, D232. Marketing/Agency Supervision, XXIV, D839. Profit Squeeze for Individual Insurance, XXIII, D317.

CARPENTER, DAVID R. Discussion on: Consumerism, XXIV, D675.

Smaller Company Forum, XXIII, D361. What about These Younger Actuaries? XXII, D373.

CARTER, STEPHEN T.--Discussion on: Current Developments in Group Life and Health Insurance, XXIV, D360.

CASE, DANIEL F. Discussion on: Adjusted Earnings, XXIII, D682.

Critical Look at the Standard Nonforfeiture and Valuation Laws, XXIV, D281, D320.

Life Insurance Earnings and the Release from Risk Policy Reserve System (Richard G. Horn), XXIII, 413.

Responses to the AICPA Draft, XXIII, D413. Sources of Statistical Information for Actuaries, XXII, D390. Taxation of Variable Annuities and Mutual Funds, XXI, D873. Variable Life Insurance, XXII, Dr70.

Paper: Uniform Approach to Accounting for Bond and Common Stock Investments, XXIV, 435, 487.

CASH-FLOW PROBLEMS--Discussion, XXII, D719. CASTONGUAY, CLAUDE J.--Discussion on: Changing Role of the Actuary,

XXI, D267. CASUALTY INSURANCE AND THE LIFE ACTUARY--Discussion, XXIV, D857. CEBELIUS, HERBERT E.--Obituary Notice, XXIV, 535. CHALMERS, GEORGE W.--Discussion on: Disability Income Insurance Writ-

ten on Individual Policies, XXII, D623. CHANDLER, BROOKS--Discussion on: Government Regulation of Group

Insurance and Group Pensions, XXIV, D696. CHANGING MODES OF FAMILY LiFE--Discussion, XXIII, D613. CHANGING ROLE OF THE ACTuARY--Discussion, XXI, D267, D517. CHAPMAN, CHRISTOPHER D.--Discussion on: Investment of Assets--the

Other Half of the Balance Sheet, XXIV, D500.


CHARLTON, lax M. Book Review: Variable Annuities, |'ariable Insurance, and Separate

Accounts (Tamar Frankell, XXIV, 517. Discussion on: New 'fork Life Variable Life Insurance Design on a Daily"

Basis (Edward Scher), XXIII, 378. Variable Life Insurance, XXIII, D82. Variable Life Technical Problems, XXI \ ' , D778.

CHAt:NER, MILTON F.--Discussion on: Health Care Delivery in the 1970's, XXII, D85.

CHERL1N, GEORGE Y.--Discussion on: Current Developments in Group Life and Health Insurance, XXIV, D338.

CHERRY, HAROLD Discussion on: New York Life Variable Life Insurance Design on a Daily

Basis (Edward Scher), XXIII, 382. Paper: Individual Annuity Mortality Table--1971, XXIII, 475, 558.

CHESTER, GEORGE D.--Discussion on: Return on Stockholder Equity (Thomas P. Bowles, Jr.), XXI, 243.

CHRISTIAN, DELOS H.--Discussion on: Deferred and Incentive Compensa- tion, XXI, D692.

CLA1R, JOSEPH J.--Obituary." Notice, XXI, 675. CLARE, JASfES L.

Discussion on: Alternatives in Variable Annuity Benefit Design (John H. Biggs), XXI, 519.

Comments on Proposed Amendment to the Constitution to Permit Pub- lic Expression of Professional Opinion, XXlI, 443.

Final-Pay Pension Plans, XXI, D289. Pension Plans in Perspective, XXIV, D588. Retirement-Age Dilemma, XXII, D567.

CLARK, KENNETH T.--Discussion on: Trends in Employee Benefit Plans, XXII, D616.

CLARKE, GEORGE F. S.--Discussion on: Life Insurance Operations Over- seas--Problems and Opportunities, XXI, D819.

CLAY, HAROLD P.--Obituary Notice, XXII, 427. CLENNON, BARTON H.--Discussion on: Adjusted Earnings, XXIV, D745. COATES, ROBERT P.--Discussion on: Reserve Basis for Guaranteed Benefits

under Variable Annuity Contracts (Herbert W. Hickman), XXlI , 211.

CopY, DOXALD D. Discussion on: Analysis of Basic Actuarial Theory' for Fixed Premium

Variable Benefit Life Insurance (John C. Fraser, Waiter N. Miller, and Charles M. Sternhell), XXI, .385.

Application of Simulated Stock Market Trends to Investigate a Ruin Problem (Frank P. DiPaolo}, XXI, 561.

Observations on Actuarial Aspects of the Insured Variable Annuity /John Macarchukk XXI, 541.

Reserves and Related Problems for Variable Annuities and Cost- of-Living Benefits, XXI, D750.

Paper: Adjusted Earnings for Mutual Life Insurance Companies, XXlV, 31, 237.

COttEN, IRa--Discussion on: Benefit Design, XXIV, D163. COHN, HOWARD T.--Discussion on: Corporate Diversification: Experience

in the United States and Canada, XXlV, D598.


COLE, JOHN M.--Discussion on: Life Insurance Operations Overseas-.Prob- lems and Opportunities, XXI, D831.

COLE, LINDEN N. Discussion on: Critical Look at the Standard Nonforfeiture and Valuation

Laws, XXIV, D294. Elections by Mail, XXIII, D241.

COLLINS, RUSSELL M., JR. Discussion on: Computer Models and Simulation, XXL D109.

Uniform Approach to Accounting for Bond and Common Stock Invest- ments (Daniel F. Case), XXIV, 482.

COLQUHOUN, FREDERICK Ross--Obituary Notice, XXII, 66. COLTON, EDWARD H.

Discussion on: Adjusted Earnings for Mutual Life Insurance Companies (Donald D. Cody), X X I V , 221.

Symposium on Adjusted Earnings, XXIII, D409. COMMENTS ON PROPOSED AMENDMENT TO THE CONSTITUTION TO PERMIT

PUBLIC EXPRESSION OF PROFESSIONAL OPINION--Discussion, XXII, 443.

COMPUTER MODELS AND SIMULATION--Discussion, XXI, D109, D445. CONSUMERISM

Discussion on: Consumerism, XXIV, D437, D675. Profession and the Life Insurance Buyer, XXIV, D753.

CONTINUING EDUCATION OF THE AcTUARY--Discussion, XXII, D315. CONTINUING EDUCATION--DIscussION OF" TRO'WBRIDGE REPORT--Discus-

sion, XXII, D271. COOK, JOHN H.

Discussion on: Computer Models and Simulation, XXI, D120. Numerical Analysis, XXI, D926.

COOK, W. GILBERT--Discussion on: Profit and Other Objectives in Group Operations, XXI, D803.

COOPER, G. ASHLEY Discussion on: New Look at the Frequency of Pension Plan Actuarial

Valuations (Nell R. Cronquist and William A. Dreher), XXIV, 127. Pension Plans in Perspective, XXIV, D582. Social Security and Employee Benefits in Western Europe, XXI, D719.

COOPER, KEITH H.--Discussion on: New Investment Measures for Pension Funds, XXIV, D651.

COOPER, SIDNEY H.--Discussion on: Variable Life Insurance, XXII, D172. COOPER, STEVEN L.--Discussion on: Analysis of Basic Actuarial Theory for

Fixed Premium Variable Benefit Life Insurance (John C. Fraser, Walter N. Miller, and Charles M. Sternhell), XXI, 390.

COOPERSTEIN, STEVE P. Discussion on: Education and Examination of Actuaries, XXII, D660.

Profession and the Life Insurance Buyer, XXIV, D756. COPPLE, JAMES B., JR.--Obituary Notice, XXI, 189. CORBETT, GARY

Discussion on: Adjusted Earnings, XXIII , D331; XXIV, D730. Adjusted Earnings for Life Companies, XXII, D351. Fulfilling Stockholders Objectives, XXIV, D245. Marketing Expense--Those Items Not Directly Allocable: Allocation

and Control in Multiline Marketing Systems, XXIV, D713.


Natural Reserve Concept and Life Insurance Earnings (Joe B. Pharr), XXIII, 124.

Symposium on Adjusted Earnings, XXIII, D388. Uniform Approach to Accounting for Bond and Common Stock Invest-

ments (Daniel F. Case), XXIV, 478. CORNELL, GORDON L.--Discussion on: Continuing Education--Discussion

of Trowbridge Report, XXII, D301. CORPORATE DIVERSIFICATION; EXPERIENCE IN THE UNITED STATES AND

CANADA--Discussion, XXIV, D593. CORPORATE MODELS AND CORPORATE PLANNING--Discussion, XXIV, D615. CORPORATE PLANNING--Discussion, XXI, D887. Coss, JOHN C.--Discussion on: Life Insurance Operations Overseas--Prob-

lems and Opportunities, XXI, D820. COST OF VESTING IN PRIVATE PENSION PLANS--Charles L. Trowbridge,

XXIV, 397, 428; Discussion, XXIV, 411. COURANT, SIMoN--Paper with John H. Miller: Some Observations on the

Nature of the Risk of Disability, Its Measurement and Control, XXIV, 349, 371.

COWARD, LAWRENCE E. Discussion on: Pension Benefit Security Bill, XXI, D572.

State, Provincial, and Municipal Employee Pension Plans--Financing and Other Problems, XXIII, D484.

COWELL, MICHAEL J.--Discussion on: United States Federal Income Tax, XXI, D425.

COWEN, JAMES L. Discussion on: Mortality of the Aged (Francisco Bayo), XXIV, 207.

Mortality and Remarriage Experience for Widow Beneficiaries under OASDI (Francisco Bayo), XXI, 301.

Social Security Legislative Developments, XXII, D687. CRAGOE, ARTHUR C,

Discussion on: Actuarial Reporting for Management, XXII, D592. Adjusted Earnings, XXIII, D162,

CRAPO, RAYMOND L. Discussion on: Reserves and Related Problems for Variable Annuities

and Cost-of-Living Benefits, XXI, D757. Variable Insurance Products, XXI, D607.

CRAWFORD, CHARLES P.--Discussion on: Social and Economic Role of the Actuary, XXII, D670.

CRAWFORD, J. DICKSON Discussion on: Management of Professional Personnel, XXI, D91.

What about These Younger Actuaries? XXII, D369. CREDIBILITY THEORY--See Risk TheoD'. CRIMMINS, JOSEPH B.--Discussion on: Deferred and Incentive Compensa-

tion, XXI, D690. CRITICAL LOOK AT THE STANDARD NONFORFEITURE AND VALUATION

LAws--Discussion, XXIV, D281. CROFTS, GEOFFREY

Discussion on: Changing Role of the Actuary, XXI, D518. Education and Examination of Actuaries, XXII, D655. Logical Approach to Population Problems (Robert W. Batten), XXI,

281. Numerical Analysis, XXI, D925.


CRONQUIST, NEIL R.- -Paper with William A. Dreher: New Look at the Frequency of Pension Plan Actuarial Valuations, XXIV, 79, 144.

CROSS, ROWLAND E. Discussion on: Pension Plans in Perspective, XXIV, D587.

Trends in Employee Benefit Plans, XXII, D606. CROSSON, WILLIAM H., III

Discussion on: Alternate Route, XXIII , D95. Elections by Mail, XXIII , D42. Group Annuity Mortality Table--1971 (Harold R. Greenlee, Jr., and

Alfonso D. Keh), XXIII , 608. Symposium on Adjusted Earnings, XXIII , D409.

CROWE, ERNEST WATSON--Obituary Notice, XXI, 190. CROWE, JOSEPH F.

Discussion on: Agent Compensation, XXIII , D359. Profit Squeeze for Individual Insurance, XXIII , D309.

CRYAN, JAMES J. Discussion on: Benefit Design, XXIV, D166.


CUMMING, JOHN B.--Discussion on: Projections of Variable Life Insurance Operations (Paul Markham Kahn), XXIII , 356.

CUNNINGHAM, WILLIAM--Discussion on: Profit and Other Objectives in Group Operations, XXI, D792.

CURRENT DEVELOPMENTS IN GROUP LIFE AND HEALTH INSUR- ANCE-Discussion, XXIV, D325.

CURRENT LEGISLATIVE DEVELOPMENTs--Discussion, XXI, D7, D383, CURRENT TOPICS IN INDIVIDUAL POLICY PENSION PLANS--Discussion,

XXIV, D83. CURTIS, JAMES A.

Discussion on: Final-Pay Pension Plans, XXI, D290. Pension Benefit Security Bill, XXI, D570.

DANCE, THOMAS H.--Discussion on: Marketing/Agency Supervision, XXIV, D847.

DANDY, WILLIAM B.--Discussion on: Actuarial Reporting to Management, XXIII , D221.

DASGUPTA, HIRANYA RUMAR---Obituary Notice, XXI, 190. DASHWOOD, JOHN RUSSELL--Obituary Notice, XXIV, 535. DASKAIS, RICHARD


Alternatives for Pension Legislation, XXlV, D21. Final-Pay Pension Plans, XXI, D533. Pension Benefit Security Bill, XXI, D600. Role of the Actuary in Collective Bargaining, XXlII , D655.

DAVID, FRANK H.--Discussion on: Mortality Trends, XXI, D900. DAVIDSON, J, CRAIG

Discussion on: Canadian Income Tax, XXI, D263. Corporate Diversification: Experience in the United States and

Canada, XXIV, D595. DAVIDSON, WAID J., JR.

Discussion on: Health Care Delivery in the 1970's, XXlI , D66. Topics for Consulting Actuaries, XXI, D763.


DAVIES, KARL M, Discussion on: Mortality Trends, XXI, D899.

Mortality and Underwriting of Individual Policies for Large Amounts, XXIII, D507.

DAVIS, GEORGE H. Discussion on: Adjusted Earnings, XXlII, D165; XXIV, D522.

Current Legislative Developments, XXI, D7. Recent Legislative Developments, XXlI , D1. Twenty-Year Net Cost Formula (Peter L. J. Ryall), XXI, 320.

Obituary Notice, XXIV, 536. DAVIS, JOE E.--Discussion on: Education and Examination of Actuaries,

XXII, D654. DAVIS, MICHAEL H.--Book Review: Successful Profit Sharing Plans: Theory.

and Practice (Donald X. Murray)', XXII, 414. DAVIS, ROBERT F.--Discussion on: New Approach to the Calculation of

Active Life Disability Reserves (Mel Stein), XXII, 129. DEAL, D. FRANK--Discussion on: Analysis of Basic Actuarial Theory for

Fixed Premium Variable Benefit Life Insurance (John C. Fraser, Walter N. Miller, and Charles M. Sternhell), XXI, 393.

DEFERRED AND INCENTIVE COMPENSATION--Discussion, XXI, D683.

DEFERRED TAX CONSIDERATIONS--Discussion, XXIII, D427. DELANEY, ANDREW

Discussion on: Adjusted Earnings, XXIV, D735. Diversification of Life Companies to Financial Services, XXI, D846.

DEMOGRAPHY Book Reviews: Introduction to Demography (Mortimer Spiegelman),

Reviewed by Thomas N. E. Greville, XXI, 153. Introduction to the Mathematics of Population (Nathan Keyfitz),

Reviewed by Newton L. Bowers, Jr., XXI, 631. Limits to Growth (Donella H. Meadows et al.), Reviewed by Francisco

Bayo, XXIV, 512. Methods and Materials of Demography (Hen~" S. Shryock, Jacob S.

Siegel, and Associates), Reviewed by Nathan Keyfitz, XXIV, 508. Populatio, and the American Future: Tile Report of the Commission

on Population Growth and the American Future (Signet Books), Reviewed by Abraham M. Niessen, XXIV, 513.

Population, Facts and Methods of Demography (Nathan Keyfitz and Wilhelm Flieger), Reviewed by Francisco Bayo, XXIV, 510.

Principles of Demography (Donald J. Bogue), Reviewed by Francisco Bayo, XXI, 634.

Trends and Variations in Fertility in the United States IClyde V. Kiser, Wilson H. Grabill, and Arthur A. Campbell), Reviewed by Jerome M. Stein, XXIII, 654.

Discussion on: Changing Modes of Family Life, XXIII, D613. Papers: Logical Approach to Population Problems (Robert W. Batten),

XXI, 49. Some Implications of Current Demographic Trends (Nathan Key-ritz),

XXIII, 203. DEPRENGER, HERBERT L.

Discussion on: Actuarial Reporting for Management, XXII, D587. Fulfilling Stockholders' Objectives, XXIV, D229.

DESAI, KIRAN N. Discussion on: Actuarial Principles and Practices for Pension Plans,

XXIV, D135.


Benefit Design, XXIV, D165. Pension Funding, XXII, D360.

DESMET, DAVID LEE--Obituary Notice, XXI, 676. DEVELOPMENTS IN STATE INSURANCE LAws--Discussion, XXII, D555. DICKLER, J. MARTIN--Discussion on: Government Regulation of Group

Insurance and Group Pensions, XXIV, D7()l. DICKSON, ROBERT K., JR.--Discussion on: Management of Professional Per-

sonnel, XXI, D88. DIENST, HANS R,--Discussion on: Life Insurance Operations Over-

seas--Problems and Opportunities, XXI, D826. DILLINGHAM, GRACE V.

Discussion on: Profession and the Life Insurance Buyer, XXIV, D755. Uniform Approach to Accounting for Bond and Common Stock Invest-

ments (Daniel F. Case), XXIV, 457. DIPAOLO, FRANK P.


Computer Models and Simulation, XXI, D447. Projections of Variable Life Insurance Operations (Paul Markham

Kahn), XXIII, 357. Reserve Basis for Guaranteed Benefits under Variable Annuity Con-

tracts (Herbert W. Hickman), XXII, 222. Statistical Studies of Stock Market Behavior, XXII, D552. Variable Insurance Products, XXI, D604.

Paper: Application of Simulated Stock Market Trends to Investigate a Ruin Problem, XXI, 549.

DISABILITY INCOME INSURaNCE--Discussion on: Disability Income Insurance Written on Individual Policies, XXII, D623.

DISABILITY INCOME INSURANCE WRITTEN ON INDIVIDUAL POLICIES--Dis- Cussion, XXII, D623.

DIVERSIFICATION OF LIFE COMPANIES TO FINANCIAL SERVICES--Discussion, XXI, D844.

DONALD, DAVID W.--Discussion on: Profit Squeeze for Individual Insurance, XXlII, D325.

nORMAN, ROLAND F.--Discussion on: Changing Role of the Actuary, XXI, D520.

DORN, LOWELL M. Discussion on: Changing Role of the Actuary, XXI, D524.

Management of Professional Personnel, XXI, D104. United States Federal Income Tax, XXI, D424.

DOUGHERTY, EDWARD A.--Obituary Notice, XXI, 191. DOWLING, JOSEPH H.--Discussion on: Mergers, Acquisitions, and Valuation

of Stockholder Equity, XXI, D219. DOWNING, PETER N.

Discussion on: Adjusted Earnings, XXIV, D537. Life Insurance Product Development, XXIV, D279.

DOWSETT, ROBERT C. Book Review: History of lndividual Annuity Contracts, XXI, 661. Discussion on: Elections by Mail, XXIII, D241.

Fulfilling Stockholders' Objectives, XXIV, D215. Insurance Distribution and Marketing Systems, XXI, D676.


Social and Economic Role of the Actuary, XXII, D670. Taxation of Variable Annuities and Mutual Funds, XXI, D887.

DOYLE, MARTINA E.--Discussion on: Critical Look at the Standard Nonfor- feiture and Valuation Laws, XXIV, D290.

DREHER, WILLIAM A. Discussion on: Actuarial Principles and Practices for Pension Plans,

XXIV, D130. Investment Responsibility of the Actuary, XXII, D97. Life Insurance Operations Overseas--Problems and Opportunities,

XXI, D836. Topics for Consulting Actuaries, XXI, D773.

Paper with Nell R. Cronquist: New Look at the Frequency of Pension Plan Actuarial Valuations, XXIV, 79, 144.

DRENNAN, DANIEL F.--Discussion on: Final-Pay Pension Plans, XXI, D540. DREYER, ROBERT H.

Discussion on: Critical Look at the Standard Nonforfeiture and Valuation Laws, XXIV, D295.

Marketing Trends--Smaller Companies, XXI, D408. United States Federal Income Tax, XXI, D435.

DROWN, GARY K.--Discussion on: Role of the Actuary in Expense Control, XXII, D130.

DUDLEY, JOHN A.--Discussion on: Equity Products, XXI, D394. DUFFETT, WALTER E.--Paper: 1971 Canadian Census, XXIII, 217. DUMMER, ARTHUR O.--Discussion on: Developments in State Insurance

Laws, XXII, D559. DUNCAN, CARL--Discussion on: Benefit Design, XXIV, D164. DYER, JOHN K., JR.

Discussion on: Actuarial Principles and Practices for Pension Plans, XXIV, D45, D385.

Continuing Education--Discussion of Trowbridge Report, XXII, D305.

Pension Benefit Security Bill, XXI, D574. Social Security and Employee Benefits in Western Europe, XXI, D716.

EASON, THOMAS F. Discussion on: Critical Look at the Standard Nonforfeiture and Valuation

Laws, XXIV, D298. Smaller Company Forum, XXIII, D361.

ECKERSLEY, DEREK--Discussion on: Adjusted Earnings, XXIII, D687. ECKLER, SAMUEL B.


Actuary's Responsibility to His Various Publics, XXIII, D5. Pension Plan Developments, XXII, D215. Role of the Actuary in Collective Bargaining, XXIII, D651. Social and Economic Role of the Actuary, XXII, D663. Topics for Consulting Actuaries, XXI, D772.

ECONOMY AND FEDERAL POLiCY--Discussion, XXIV, D627. EDUCATION

Discussion on: Alternate Route, XXI, D546; XXII, D477; XXIII, D85, D281.

Continuing Education of the Actuary, XXII, D315.

INDEX TO VOLUMES XXI-XXIV 5 71


Education and Examination of Actuaries, XXII, D635. Personal Security in the 1970's--United States and Canada, XXII,

D329. Recent Developments on Continuing Education (John M. Bragg),

XXII, D473. EDUCATION AND EXAMINATION OF ACTUARIES--Discussion, XXII, D635. EDWARDS, RALPH E.

Discussion on: Analysis of Basic Actuarial Theory. for Fixed Premium Variable Benefi{ Life Insurance (John C. Fraser, Walter N. Miller, and Charles M. Sternhell), XXI, 398.

Critical Look at the Standard Nonforfeiture and Valuation Laws, XXIV, D296.

What about these Younger Actuaries? XXII, D378. EFFECTS OF INFLATION ON UNDERWRITING--Discussion, XXII, D227. EHRHART, LAWRENCE A.--Discussion on: Reserves and Related Problems

for Variable Annuities and Cost-of-Living Benefits, XXI, D757. EIDE, K. ARNE

Discussion on: Pension Plans in Perspective, XXIV, D582. Social Security Legislative Developments, XXII, D688.

EILERS, ROBERT D.--Discussion on: Health Insurance and Health Care, XXIV, D548.

ELDER, ROBERT M.--Discussion on: Marketing Trends--Smaller Companies, XXI, D414.

ELECTIONS BY MAIL--Discussion, XXIII, D41, D235. EMORY, LINDA B.

Discussion on: Critical Look at the Standard Nonforfeiture and Valuation Laws, XXIV, D300.


EMPIRICAL APPROACH TO DETERMINATION OF CREDIBILITY FACTORS --Ralph D. Maguire, XXI, 1, 235; Discussion, XXI, 219.

EMPLOYEE BENEFITs--Discussion on: Trends in Employee Benefit Plans, XXII, D605.

ENZER, SELWYN--Discussion on: Forecasting the Environment for Business, XXIII, D570.

EQUITY-BASED LIFE INSURANCE IN THE UNITED KINGDOM--Samuel H. Turner, XXIII, 273.

EQUITY-ORIENTED PRODUCTS--Discussion, XXI, D l l , D141, D387, D459. ERDENBERGER, RICHARD W.--Discussion on: Disability Income Insurance

Written on Individual Policies, XXII, D630. ERWAY, RICHARD E.--Obituary Notice, XXIII, 669. ESPIE, ROBERT G.

Discussion on: Annual Statement Accounting, XXI, D704. Mergers, Acquisitions, and Valuation of Stockholder Equity, XXI,

D233. Return on Stockholder Equity (Thomas P. Bowles, Jr.), XXI, 245.

ESTES, E. FORREST--Discussion on: Management of Professional Personnel, XX1, D444.

ESTIMATING THE COST OF VESTING IN PENSION PLANS--Howard E. Win- klevoss and Arnold F. Shapiro, XXIV, 373; Discussion, XXIV, 395.


ETHINGTON, DALE F. Discussion on: Projections of Variable Life Insurance Operations (Paul

Markham Kahn), XXIII, 361. Variable Life Technical Problems, XXIV, D773.

EXPECTED PROFIT FORMULAS--James L. Lewis, Jr., XXIII, 325,333; Dis- cussion, XXIII, 331.

EXPENSE ANALYSIS Discussion on: Marketing Expense--Those Items Not Directly Allocable:

Allocation and Control in Multiline Marketing Systems, XXIV, DYll.

Role of the Actuary in Expense Control, XXII, D113.

FACKLER, DON F.--Discussion on: Current Developments in Group Life and Health Insurance, XXIV, D349.

FAF1AN, JOSEPH, JR.--Discussion on: Smaller Company Forum, XXIII, DI91.

FAIRBANKS, GUY L., JR.--Discussion on: Analysis of Basic Actuarial Theory for Fixed Premium Variable Benefit Life Insurance (John C. Fraser, Walter N. Miller, and Charles M. Sternhell), XXI, 400.

FAREWELL ADDRESS---~harles B. H. Watson, XXIV, 551. FARMER, THURSTON P., JR.--Discussion on: United States Federal Income

Tax, XXI, D423. FARQUHAR, WILLIAM A.--Discussion on: Current Topics in Individual Policy

Pension Plans, XXIV, D86. FARRIER, REX A.--ObituaD' Notice, XXI, 192. FAWCETT, WALTDN BaKER--Obituary Notice, XXII, 67. FLAY, HERBERT L.

Discussion on: Adjusted Earnings, XXIII, D163. On the Credibility of Group Insurance Claim Experience (Myron H.

Margolin), XXIII, 258. Pension Developments, XXIII, D117.

FEDERAL INCOME T A x - - S e e Income Tax. FEENEY, WILLIAM A.--Discussion on: Individual Medical Expense Insur-

ance, XXI, D735. FERGUSON, WILLIAM A.--Diseussion on: Equity-oriented Products, XXI,

D31. FERRARI, J. RoBERT--Discussion on: Economy and Federal Policy, XXIV,

D627. FEUER, PHILIP J.--Discussion on: Observation on Actuarial Aspects of the

Insured Variable Annuity (John Macarchuk), XXI, 539. FEWSTER, L. BLAKE

Discussion on: Alternate Route, XXII, D496; XXIII, D86. Variable Life Insurance, XXIV, D660.

FIBIGER, JOHN A. Discussion on: Alternate Route, XXIII, D89.

Education and Examination of Actuaries, XXII, D647. Numerical Analysis, XXI, D926.

Paper with Stephen G. Kellison: Actuarial Functions as Expected Values, XXIII, 1, 149.

FILE, LORNE KENELM--Obituary Notice, XXI, 677.

FINAL-PAY PENSION PLANS--Discussion, XXI, D289, D527.


FINANCIAL STATEMENT--Book Review: Life Insurance Accounting: A Study of Financial Statements of Life Insurance Companies in the United States and Canada (Joseph C. Noback), Reviewed by Charles M. Beardsley, XXI, 149.

FISCHER, CARL H. Discussion on: Alternate Route,, XXIII, D282.


FISCHER, NIELS H. Discussion on: Individual Medical Expense Insurance, XXI, D732.

Return of Premium Benefit in Health Insurance rE. Paul Barnhart), XXII, 276.

FLITTIE, JOHN H--Discussion on: Pension Benefit Security Bill, XXI, D567. FONER, ANNE--Discussion on: Changing Modes of Family Life, XXIII,

D619. FORD, NORMAN CoRNELL--Obituary Notice, XXI, 327. FORECASTING THE ENVIRONMENT FOR BL'slNEss--Discussion, XXIII, D549. FORESTER, P. WILLIAM--Discussion on: Reserves and Related Problems for

Variable Annuities and Cost-of-Living Benefits, XXI, D749. FORTUIN, HENRY J. L., JR.

Discussion on: Investment Responsibility of the Actuary, XXII, D110. Pension Plan Developments, XXII, D216.

FOSTER, CLARK T.--Obituary Notice, XXIII, 670. FOURTH PACIFIC INSURANCE CONFERENCE--Discussion, XXI, DS. FOX, MARTIN S.

Discussion on: Profit and Other Objectives in Group Operations, XXI, D814.

Statistical Studies of Stock Market Behavior, XXII, D543. FRANKEL, STEPHEN H.--Discussion on: Net Cost Comparison of Dissimilar

Life Insurance Contracts: The Standard Mortality Cost Method (J. Stanley Hill), XXIII, 318.

FRANKLANB, JAMES EDWARD--Obituary Notice, XXI, 192. FRASER, JOHN C.

Discussion on: Adjusted Earnings for Life Companies, XXII, D352. Deferred Tax Considerations, XXIII, D437. Models and Decision Techniques, XXII, D411. Profit Squeeze for Individual Insurance, XXIII, D143. Projections of Variable Life Insurance Operations (Paul Markham

Kahn), XXIII, 356. Taxation of Variable Annuities and Mutual Funds, XXI, D881. United States Federal Income Tax, XXI, D56. Variable Insurance Products, XXI, D634. Variable Life Insurance, XXII, D395.

Paper with Walter N. Miller and Charles M. Sternhell: Analysis of Basic Actuarial Theory for Fixed Premium Variable Benefit Life Insur- ance, XXI, 343.

FRAZER, PAUL K.--Obituary Notice, XXI, 677. FREY, GEROLD W.

Discussion on: Health Insurance and Health Care, XXIV, D566. Utility Theory, XXI, D361.

FRIDLEY, RICHARD M.--Discussion on: Management of Professional Person- nel, XXI, D439.


FRIEDMAN, LLOYD K. Discussion on: Adjusted Earnings, XXIII, D165.

Impact of Inflation on the Life Insurance Industry, XXII, 27. FRIEND, EDWARD H.


Pension Plan Developments, XXII, D219. FROST, OTIS L., JR.--Discussion on: Developments in State Insurance Laws,

XXII, D557. FUHLRODT, NORMAN T.--Discussion on: Actuarial Reporting for Manage-

ment, XXII, D600. FULFILLING STOCKHOLDERS' OBJECTiVES--Discussion, XXIV, D215. FUTURE OF THE PROFESSION--Discussion, XXIV, D793.

GAGLIUSO, FRANK J.--Obituary Notice, XXI, 678. GALLOWAY, HARVEY S., JR.--Discussion on: Health Care Delivery in the

1970's, XXII, D62. GA~ER, HARR'g D.

Discussion on: Alternate Route, XXIII, D87. Computer Models and Simulation, XXI, D I 21.

GARFIELD, RALPH--Discussion on: Interest Rate Assumption and the Matu- rity Structure of the Assets of a Life Insurance Company (Irwin T. Vanderhoof), XXIV, 195.

GARFIN, LOUIS Discussion on: Actuarial Reporting to Management, XXIII, D225.

Adjusted Earnings, XXIII, D351. Current Developments in Group Life and Health Insurance, XXIV,

D346. Merger of Mutual Life Insurance Companies (Howard H. Kayton and

Robert C. Tookey), XXIV, 298. Profession and the Life Insurance Buyer, XXIV, D759. Profit Squeeze for Individual Insurance, XXIII, D324.

GAYDA, JOSEPH J.--Discussion on: Actuarial Functions as Expected Values (John A. Fibiger and Stephen G. Kellison), XXIII, 143,

GEORGE, FRANCIS H.--Discussion on: Asset Value Guarantees under Equity- based Products (Samuel H. Turner), XXI, 480.

GERBER, HANS U.--Discussion on: Algorithm for Computing Expected Stop- Loss Claims under a Group Life Contract (John A. Mereu), XXIV, 338.

GIANINO, JOHN J.--Discussion on: Individual Medical Expense Insurance, XXI, D734.

GILBERT, HAROLD--Discussion on: Current Developments in Group Life and Health Insurance, XXIV, D330.

GILES, L. TIMOTHY Discussion on: Algorithm for Computing Expected Stop-Loss Claims

under a Group Life Contract (John A. Mereu), XXIV, ,341. Merger of Mutual Life Insurance Companies (Howard H. Kayton and

Robert C. Tookey), XXIV, 297. New Approach to Calculation of Active Life Disability Reserves (Me]

Stein), XXII, 135. GILL, ARDIAN C.

Discussion on: Consumerism, XXIV, D675.

INDEX TO VOLUMES XXI-XXIV 5 75


Equity-oriented Products, XXI, Dl67. Variable Life Insurance, XXII, D146.

GILLAN, JAMES R.--Obituary Notice, XXI, 192. GILLESPIE, HUGH--Discussion on: Outlook for Public Employee Retirement

Systems, XXIV, D174. GIVENS, HARRISON, JR.

Discussion on: Group Annuity Mortality Table--1971 (Harold R. Greenlee, Jr., and Alfonso D. Keh), XXIII, 605.

New Investment Measures for Pension Funds, XXIV, D655. GLASS, JOHN T.--Discussion on: Deferred Tax Considerations, XXIII, D442. GLENN, JOHN L.--Discussion on: Life Insurance Net Cost Comparisons,

XXI, D199. GOBES, JAMES A.


Health Care Delivery in the 1970's, XXII, D79. GOEBEL, RALPH H.

Discussion on: Consumerism, XXIV, D466. Fulfilling Stockholders' Objectives, XXIV, D245. Liabilities and Surplus in the 1970's, XXIII, DG10. Symposium on Adjusted Earnings, XXIII, D411.

GOLD, MELVIN L. Discussion on: Annual Statement Accounting, XXI, D706.


Mergers, Acquisitions, and Valuation of Stockholder Equity, XXI, D231.

Role of the Actuary in Expense Control, XXII, D138. Topics for Consulting Actuaries, XXI, D765. Variable Life Insurance, XXII, D181.

GOLDBERG, ALAN B.--Discussion on: Deferred Tax Considerations, XXIII, D442.

GOLDBERG, MILTON J.--Discussion on: Agent Compensation, XXIII, D175. GOLDEN, JEROME S.

Discussion on: Consumerism, XXIV, D687. Variable Life Insurance, XXII, D172; XXIV, D664. Variable Life Insurance Viewed via the "Additions" Concept (James

J. Murphy and Rodney R. Rohda), XXII, 381. Variable Life Technical Problems, XXIV, D785.

GOLDTHORPE, RONALD A.--Discussion on: Alternate Route, XXIII, D97. GOODE, ROBERT B.

Discussion on: Deferred and Incentive Compensation, XXI, D690. Profit Squeeze for Individual Insurance, XXIII, D138.

GORMAN, MANUEL M.--Discussion on: Government Regulation of Group Insurance and Group Pensions, XXIV, D705.

GOULD, WILLIAM--Discussion on: Life Insurance Net Cost Comparisons, XXI, D48 I.

GOVERNMENT REGULATION OF GROUP INSURANCE AND GROUP PEN- SXONS--Discussion, XXIV, D695.


GOWDV, ROBERT C.--Discussion on: Casualty Insurance and the Life Actuary, XXIV, D864.

GRACE, WALTER L. Discussion on: Life Insurance Product Development, XXIV, D249.

Variable Life Insurance, XXIII, D65. GRAY, J. Ross

Discussion on: Life Insurance Operations Overseas--Problems and Opportunities, XXI, D829.

Net Cost Comparisons, XXII, D715. GREEN, EDWARD A.--Discussion on: Profit and Other Objectives in Group

Operations, XXI, D797. GREEN, O. DAVID, III--Discussion on: Actuarial Reporting to Management,

XXIII, D234. GREENLEE, HAROLD R., JR.--Paper with Alfonso D. Keh: Group Annuity

Mortality Table--1971, XXIII, 569, 617. GREVILLE, THOMAS N. E.

Book Review: Introduction to Demography (Mortimer Spiegelman), XXI, 153.

Discussion on: Numerical Analysis, XXI, D923. GRIFFIN, FRANK L., JR.

Discussion on: Final-Pay Pension Plans, XXI, D527. Pension Benefit Security Bill, XXI, D580.

GRISWOLD, ROBERT N.--Obituary Notice, XXIII , 83. GRoss, DANIEL J.--Discussion on: Fulfilling Stockholders' Objectives,

XXIV, D218. GROSS PREMIUMS FOR TERM INgURANCE WlTlt VARYING BENEFITS

AND PREXUUMs--Richard W. Ziock, XXII, 19. GROUP ANNUITY NIORTALITY TABLE--1971--Harold R. Greenlee, Jr., and

Alfonso D. Keh, XXlII , 569, 617; Discussion, XXIII, 605. GROUP INSURANCE


Government Regulation of Group Insurance and Group Pensions, XXIV, D695.

Profit and Other Objectives in Group Operations, XXI, D791. Role of the Actuary in Collective Bargaining, XXIII, D647.

Paper: On the Credibility of Group Insurance Claim Experience (Myron H. Margolin), XXlII , 229.

GROUT, HAROLD A.--Obituary Notice, XXIII, 671. GROVER, MYLES L.--Discussion on: Pension Benefit Security Bill, XXI,

D570. GRUBBS, DONALD S., JR.

Discussion on: Actuarial Principles and Practices for Pension Plans, XXIV, Dl23.

Adjusted Earnings, XXIII, D156. Alternatives for Pension Legislation, XXIV, D36. Cost of \:esting in Private Pension Plans (Charles L. Trowbridge),

KXIV, 423. Equity-oriented Products, XXI, D164. New Look at the Frequency of Pension Plan Actuarial Valuations (Nell

R. Cronquist and William A. Dreher), XXIV, 131. Reserves and Related Problems for Variable Annuities and Cost-

of-laving Benefits, XXI, D761.


Topics for Consulting Actuaries, XXI, D778. Variable Insurance Products, XXI, D637. Variable Life Insurance, XXII, D174.

GUBAR, ALBERT Discussion on: Reserves and Related Problems for Variable Annuities

and Cost-of-Living Benefits, XXI, D751. United States Federal Income Tax, XXI, D67.

GUERARD, YVES G.--Discussion on: Social Security Legislative Develop- meuts, XXII, D684.

G4JMMERE, JoHN--Discussion on: Effects of Inflation on Underwriting, XXII, D259.

GUSTAFSON, DALE R. Discussion on: Adjusted Earnings, XXIII, D145.

Adjusted Earnings for Life Companies, XXII, D345. Analysis of Basic Actuarial Theory for Fixed Premium Variable Benefit

Life Insurance (John C. Fraser, Walter N. Miller, and Charles M. Sternhell), XXI, 406.


Current Legislative Developments, XXI, D383. Developments in State Insurance Laws, XXII, D555. Liabilities and Surplus in the 1970's, XXIII, D602. Recent Legislative Developments, XXII, D309. Reserves and Related Problems for Variable Annuities and Cost-

of-Living Benefits, XXI, D745. Symposium on Adjusted Earnings, XXIII, D378. United States Federal Income Tax, XXI, D424. Variable Life Insurance, XXII, D143.

GUSTIN, RALPH L.--Discussion on: Deferred and Incentive Compensation, XXI, D697.

HAHN, JOSEPH W.--Discussion on: Continuing Education--Discussion of Trowbridge Report, XXII, D272.

HALL, GORDON M.--Discussion on: Mortality and Underwriting of Individual Policies for Large Amounts, XXIII, D505.

HALLIWELL, PAUL D. Discussion on: Current Topics in Individual Policy Pension Plans, XXIV,

D83. Investment Responsibility of the Actuary, XXII, D104. Role of the Actuary in Collective Bargaining, XXIII, D652.

HALLORAN, JAMES J.--Book Review: Cost Facts on Life Insurance (Price Gaines, Jr.), XXII, 417.

HALMSTAD, DAVID G. Discussion on: Computer Models and Simulation, XXI, D111.

Underwriting the Catastrophe Accident Hazard, XXIV, D408. HALVORSON, WILLIAM A.

Discussion on: Actuarial Reporting for Management, XXII, D602. Current Developments in Group Life and Health Insurance, XXIV,

D380. Fulfilling Stockholders' Objectives, XX1V, D240. Future of the Profession, XXIV, DS01. Health Care Delivery in the 1970's, XXII, D84. Health Services--Public versus Private Financing, XXIII, D245.


Long-Range Viability and Regulation of Corporate Pension Plans, XXlII , D542.

Management of Professional Personnel, XXI, D444. Pension Benefit Security Bill, XXI, D574. Return of Premium Benefit in Health Insurance (E. Paul Barnhart),

XXII, 295. Social and Economic Role of the Actuary, XXII, D665. Topics for Consulting Actuaries, XXI, D769.

HAMMOND, JOHN S., I I I - - Discussion on: Utility Theory, XXI, D333. HAMPTON, COLIN C.--Discussion on: Diversification of Life Companies to

Financial Services, XXI, D844. HANCOCK, WILLIAM F.--Obituary Notice, XXI, 193. HANDA, NARINDRA N.--Discussion on: Life Insurance Operations Over-

seas--Problems and Opportunities, XXI, D824. HANN, ALFRED G.--Obituary Notice, XXlI, 67. HANNAFORD, JACK M.

Discussion on: Actuarial Reporting for Management, XXII, D600. Net Cost Comparisons, XXII, D716.

HANSON, J. Ross Discussion on: Alternatives in Variable Annuity Benefit Design (John

H. Biggs), XXI, 520. Critical Look at the Standard Nonforfeiture and Valuation Laws,

XXIV, D304. Variable Life Insurance, XXIII, D269; XXIV, D659.

HANSON, JOHN Discussion on: Actuarial Principles and Practices for Pension Plans,

XXIV, D124. Pension Funding, XXII, D360.

HARADON, ROLAND ~.--Obitua~' Notice, XXII, 68. HARDING, JOHN H.


Consumerism, XXIV, D445. Variable Life Insurance, XXIII, D65.

HARKER, CARLTON--Discussion on: Return on Stockholder Equity (Thomas P. Bowles, Jr.), XXI, 248.

HARKNESS, PAUL T., JR.--Discussion on: United States Federal Income Tax, XXI, D71.

HARLAND, H. ED~,VARD Discussion on: Canadian Income Tax, XXI, D257.

Deferred Tax Considerations, XXIII, D436. HARMAN, WILLIAM B. , JR.--Discussion on: United States Federal Income

Tax, XXI, D49. HARRINGTON, DONALD P.

Discussion on: New Investment Measures for Pension Funds, XXIV, D657.

Pension Plan Developments, XXII, D212. HART, GILBERT V~ T. --Discussion on: United States Federal Income Tax, XXI,

D69. HARTMAN, WlLLARD A.--Discussion on: Actuarial Principles and Practices

for Pension Plans, XXIV, D140.


HARTNEDY, JOHN A. Discussion on: Critical Look at the Standard Nonforfeiture and Valuation

Laws, XXIV, D309. Smaller Company Forum, XXIII, D362.

HAYES, REA B.--Discussion on: Expected Profit Formulas (James L. Lewis, Jr.), XXIII, 332.

HAZELCORN, ABRAHAM Discussion on: Adjusted Earnings for Life Companies, XXII, D341.

Computer Models and Simulation, XXI, D138. Liabilities and Surplus in the 1970's, XXIII, D609. Mergers, Acquisitions, and Valuation of Stockholder Equity, XXI,

D232. Return on Stockholder Equity (Thomas P. Bowles, Jr.), XXI, 249. Smaller Company Forum, XXIII, D196.

HAZLEHURST, BLACKBL'RN H. Discussion on: Actuarial Principles and Practices for Pension Plans,

XXIV, D47, D399. Asset Management, XXIV, D71. Final-Pay Pension Plans, XXI, D297. Pension Plan Developments, XXII, D197.

HEALEY, RALPH J., JR.--Discussion on: Benefit Design, XXIV, D145. HEALTH CARE

Book Reviews: Delivery of Medical Care (Sydney R. Garfield}, Reviewed by Jerome M. Stein, XXII, 412.

Medical Care Review (Bureau of Public Health Economics, School of Public Health, University of Michigan), Reviewed by Jerome M. Stein, XXII, 59.

Medicare (Robert J. Myers), Reviewed by Jerome M. Stein, XXII, 401.

Rising Cost of Hospital Care (Martin S. Feldstein), Reviewed by Daniel W. Pettengill, XXIV, 47.

Discussion on: Health Care Deliver?' in the 1970's, XXII, D55. Observations on the 1970 National Health Forum, XXII, D11.

HEALTH CARE DELIVERY IN THE 1970's--Discussion, XXII, D55. HEALTH INSURANCE

Book Reviews: Health Insurance (O. D. Dickerson}, Reviewed by Thomas C. Barham III, XXI, 177.

Medical Care at Public Expense (Mark V. Pauly), Reviewed by Daniel W. Pettengill, XXIII, 641.


Health Insurance and Health Care, XXIV, D547. Health Insurance in Transition, XXIV, D183. Health Insurance in the United States, XXIII, D663. Individual Medical Expense Insurance, XXI, D731. Trends in Hospital and Medical Care Utilization, XXI, D641.

Papers: Return of Premium Benefit in Health Insurance (E. Paul Barnhart), XXII, 235.

Revised Tables for Major Medical Benefits (E. Paul Barnhart), XXI , 21.

HEALTH INSURANCE AND HEALTH CARE--Discussion, XXIV, D547. HEALTH INSURANCE 1N TRANSITIoN--Discussion, XXIV, D183. HEALTH INSURANCE IN THE UNITED STATES--Discussion, XXIII, D663.


HEALTH SERVICES--PUBLIC VERSUS PRIVATE FIN?.NCING--Disc ussion, XXIII, [)49, D245.

HEARST, JOHN E. Discussion on: I,ife Insurance Based on the Consumer Price Index (John

M. Bragg and David A. Stonecipher), XXII, 373. Mortality of the A~zed (Francisco Bayol, XXIV, 207. Numerical Analysis, XXI, [)914.

HENNINGSEN, VICTOR E. Discussion on: Net Cost Comparison of Dissimilar Life Insurance Con-

tracts: The Standard Mortality Cost Method IJ. Stanley Hill), XXIII, 321.

Panel Discussion: Past Is Prologue, XXI, D551. Paper: Society of Actuaries--Its First Twenty Years, XXI, 591.

HENNINGTON, HOWARD H. Discussion on: Actuarial Principles and Practiceb ft, r Pension Plans,

XXIV, D132. Corporate Planning, XXI, D891. Pension Plans in Perspective, XXIV, D573.

HESS, ROBERT J.--Discussion on: Marketing Trends--Smaller Companies, XXI, D414.

HESTER, RICHARD S., SR.--Discussion on: Algorithm for Computing Expected Stop-Loss Claims under a Group Life Contract (John A. Mereu), XXIV, 342.

HEV¢ITT, CHARLES C., JR.--Discussion on: Models and DecGion Techniques, XXII, D433.

HEYV<O()B, GFoFFREY--Discussion on: Future of the Profession, XXIV, D797.

HICKMAN, HERBERT ~,'. Discussion on: Alternatives in Variable Annuity Benefit Design (John

H. Biggs), XXI, 524. Taxation of Variable Annuities and Mutual Funds, XXI, D876.

Paper: Reserve Basis for Guaranteed Benefits under Variable Annuity Contracts, XXII, 191.

HICKMAN, JAMES C. Book Review: Introduction to Stochastic Processes in Biostatistics (Chin

Long Chang), XXI, 174. Discussion on: Actuarial Functions as Expected Values (John A. Fibiger

and Stephen G. Kellisonl, XXIII, 143. Alternate Route, XXII, D486: XXIII, D282. Empirical Approach to Determination of Credibility Factors (Ralph

D. Maguire), XXI, 230. Investment of Assetb--the Other Half of the Balance Sheet, XXIV,

D480. Logical Approach to Population Problems (Robert W. Batten), XXI,

283. Numerical Analysis, XXI, D911. On the Credibility of Group Insurance Claim Experience (Myron H.

Margolin), XXIII, 254. Statistical Studies of Stock Market Behavior, XXII, D525.

Paper with John M. Krall: Adjusting Multiple-Decrement Tables, XXII, 163, 187.

HWKMAN, S. MARTIN Discussion on: Health Insurance in Transition, XXIV, D197.

Trends in Hospital and Medical Care Utilization, XXI, D643.


HILL, CHARLES G.--Discussion on: Profit and Other Objectives in Group Operations, XXI, D808.

HILL, J, S'I'aNLEV Discussion on: Changin~ Role of the Actuary, XXI, D517.

Computer Models and Simulation. XXI, D456. Life Insurance Net Cost Comparisons, XXI, D486. Net Cost Comparisons, XXII, D714. Profession and the Lift' Insurance Buyer, XXIV, D761.

w . . " Paper: Net Cost Comparison of Dissimilar Life Insurance Contracts: The

Standard Mortality Cost Method, XXIII , 289, 323. HILL, NORMAN E.

Discussion on: Adjusted Earnings, XXI\ ' , D534. Schedule for Amortization of Acquisition Costs versus Amortization

of Acquisition Costs by Use of Natural Reserve Factors {Joe B. Pharr), XXIV, 215.

Smaller Company Forum, XXIII , D194. HOGAN, JOttN D.--Discussion on: Actuarial Reporting to Management,

XXIII , D20. HOGEMAX, GEORGE L. - -Di scuss ion on: Computer Models and Simulation,

XXI, D445. HOHAUS, REINHARD A.

Book Review: Princeton Symposium on the American System of Social Insurance: Its Philosophy, Impact, and Future Development, XXI, 635.

Discussion on: Panel Discussion: Past Is Prologue, XXI, D554. H O L C O M B E , S I I E P H E R D ~ 1 .

Discussion on: Investment Responsibility of the Actuary, XXII, D106. Pension Plan Developments, XXII, D217.

HOLLOWAY, ROBIN G.--Discussion on: New Economic Policy--Impact of Phase 2 on Pension Plans, XXIV, Dl14.

HOLOFF, RICtIARD L.--Discussion on: Consumerism, XXIV, D460. HOLSTEN, FRED H.--Discussion on: Current Developments in Group Life

and Health Insurance, XXIV, D354. HONDORP, PETER--Obituary Notice, XXII, 428. HOPPER, MONTE J.

Discussion on: Imlividual Annuity Mortality Table--1971 (Harold Cherry), XXIII, 551.

Net Cost Comparison of Dissimilar Life Insurance Contracts: The Stan- dard Mortality Cost Method (J. Stanley Hill), XXIII, 312.

HORN, RICHARD G. Discussion on: Asset Value Guarantees under Equity-based Products

ISamuel H. Turner), XXI, 481. Paper: Life Insurance Earnings and the Release from Risk Policy Reserve

System, XXIII, 391, 414. HORNE, HAROLD M.--Obituary Notice, XXIII , 84. HOSKINS, ROBERT H . - - D i s c u s s i o n on: Elections by Mail, XXIII, D43. HOUGHTON, ANTHONY J.

Book Review: Disability--Determination and Evaluation (Henry H. Kessler), XXIII, 65{).

Discussion on: Computer Models and Simulation, XXI, D139. Disability -Income Insurance Written on Individual Policies, XXII,

D631.


Individual Medical Expense Insurance, XXI, D735. Marketing Trends--Smaller Companies, XXI, D378. Topics for Consulting Actuaries, XXI, D788.

HOUSER, ROBERT N. Discussion on: Consumerism, XXIV, D455.

Individual Medical Expense Insurance, XXI, D738. Net Cost Comparisons, XXII, D709.

HOWARD, WILLIS B., JR.--Discussion on: Taxation of Insurance in Canada (Raymond L. Whaley), XXII, 385.

HOWELL, A. Charles Book Review: Status of Funding under Private Pension Plans (Frank

L. Griffin, Jr., and Charles L. Trowbridge), XXI, 629. Discussion on: Continuing Education--Discussion of Trowbridge Report,

XXII, D287. Management of Professional Personnel, XXI, D107. New Economic Policy--Impact of Phase 2 on Pension Plans, XXIV,

Dll0. Outlook for Public Employee Retirement Systems, XXIV, D179.

HOYT, JOHN T.--Obitua~' Notice, XXIII, 84. HSIAO, WILLIAM C. L.

Discussion on: Economy and Federal Policy, XXIV, D638. Health Care DeliveD ~ in the 1970's, XXII, D76. Health Insurance and Health Care, XXIV, D562. Health Services--Public versus Private Financing, XXIII, D51. Management of Professional Personnel, XXI, D79. Trends in Hospital and Medical Care Utilization, XXI, D649.

HUBER, THOMAS R.. Discussion on: Mortality Trends, XXI, D900. HUDEK, PAUL R.--Discussion on: Pension Plan Developments, XXII, D211. HUMMEL, THOMAS J.--Discussion on: Return of Premium Benefit in Health

Insurance (E. Paul Barnhart), XXII, 278. HUMPHRYS, RICHARD


Consumerism, XXIV, D684. Insolvency and Solidity Tests, XXIV, D817.

HUNSTAD, ROBERT E. Discussion on: Agent Compensation, XXIII, D174.

Management of Professional Personnel, XXI, D88. Profit Squeeze for Individual Insurance, XXIII, D143.

HUNT, JAMES H. Discussion on: Health Care Delivery in the 1970's, XXII, D71.

Health Insurance in Transition, XXIV, D183. HUNTINGTON, EVERETT C.--Obitua~" Notice, XXIII, 673. HURLBUT, DAVID G.

Book Reviews with Frank S. Irish: Short Introduction to Numerical Analysis (M. V. Wilkes), XXII, 407.

Theory. and Problems of Numerical Analysis (Francis Scheid), XXII, 407.

HUSE, SVLVESTER J.--Discussion on: Changing Role of the Actuary, XXI, D279.

HUSTEAD, EDWIN C.--Discussion on: Retirement-Age Dilemma, XXII, D585.


HUTCHISON, MICHAEL B. Discussion on: Adjusted Earnings, XXIV, D741.

Life Insurance Net Cost Comparisons, XXI, D185. Natural Reserve Concept and Life Insurance Earnings (Joe B. Pharr),

XXIII, 126.

IMPACT OF INFLATION ON THE LIFE INSURANCE INDUSTRY--Discussion, XXII, D 19.

INCOME TAX Discussion on: Canadian Income Tax, XXI, D251.

Taxation of Variable Annuities and Mutual Funds, XXI, D869. United States Federal Income Tax, XXI, D49.

Papers: Return on Stockholder Equity (Thomas P. Bowles, Jr.), x x I , 9.

Taxation of Insurance in Canada (Raymond L. Whaley), XXII, 81. INDIVIDUAL ANNUITY MORTALITY TABLE--1971--HaroId Cherry, XXIII,

475, 558; Discussion, XXIII, 551. INDIVIDUAL MEDICAL EXPENSE INSURANCE--Discussion, XXI, D731. INFLATION

Discussion on: Effects of Inflation on Underwriting, XXII, D227. Impact of Inflation on the Life Insurance Industry, XXII, DI9.

INGRAHAM, HAROLD G., JR. Discussion on: Asset Value Guarantees under Equity-based Products

(Samuel H. Turner), XXI, 483. Education and Examination of Actuaries, XXII, D639. Equity-oriented Products, XXI, D147. Life Insurance Product Development, XXIV, D265. Marketing/Agency Supervision, XXIV, D839. Variable Insurance Products, XXI, D606.

INSOLVENCY AND SOLIDITY TEsTS--Discussion, XXIV, D817. INSURANCE COVERAGE FOR MENTAL ILLNESS--Book Review: Insurance

Coverage for Mental Illness (J. F. Follmann, Jr.), Reviewed by Dean E. Williams and Joshua Jacobs, XXII, 411.

INSURANCE DISTRIBUTION AND MARKETING SYSTEMS--Discussion, XXI, D667.

INTEREST Book Review: Theory of Interest (Stephen G. Kellison), Reviewed by

Stephen L. Brown, XXI, 627. Paper: Interest Rate Assumption and the Maturity Structure of the Assets

of a Life Insurance Company (Irwin T. Vanderhoof), XXIV, 157. INTEREST RATE ASSUMPTION AND THE MATURITY STRUCTURE OF THE AS-

SETS OF A L I F E INSURANCE COMPANY--Irwin T. Vanderhoof, XXIV, 157, 202; Discussion, XXIV, 193.

INVESTING DURING THE 1970's--Discussion, XXIII , D509. INVESTMENT OF ASSETS--THE OTHER HALF OF THE BALANCE SHEET

--Discussion, XXIV, D479. INVESTMENT RESPONSIBILITY OF THE ACTUARY--Discussion, XXII, D87. INVESTMENTS

Book Review: Institutional Investing (Charles D. Ellis), Reviewed by Leroy B. Parks, Jr., XXIV, 529.

Discussion on: Equity-oriented Products, XXI, D141, D459. Equity Products, XXI, D l l , D387.

5 8 4 I N D E X TO V O L U M E S XXI- -XXIV

Investment Responsibility of the Actuary, XXII, D87. Mergers, Acquisitions, and Valuation of Stockholder Equity, XXI,

D219. Statistical Studies of Stock Market Behavior, XXII , D523.

Papers: Application of Simulated Stock Market Trends to Investigate a Ruin Problem (Frank P. DiPaolo), XXI, 549.

Return on Stockholder Equity (Thomas P. Bowles, Jr.), XXI, 9. Uniform Approach to Accounting for Bond and Common Stock Invest-

ments (Daniel F. Caset, XXIV, 435. IRELAN'D, JOHN G.--Discussion on: Topics for Consulting Actuaries, XXI,

D766. IR1Stt, FRANK S.

Book Reviews with David G. Hurlbut: Short Introduction to Numerical Analysis (M. V. Wilkes), XXII, 407.

Theory and Problems of Numerical Analysis (Francis Scheid), XXII, 407.

IRWIN, PHILIP CHAsI<--Obituary Notice, XXI, 679. ISAACSON, FENTON R.

Discussion on: Actuarial Principles and Practices for Pension Plans, XXIV, [1121.

Topics for Consulting Actuaries, XXI, D777.

JACK, COLIN 1']. Discussion on: Elections by Mail, XXIII, D46.

Variable Life Insurance, XXl l , D182. JacKsoN, Dr:xXls--Obituary Notice, XXIV, 537. JACKSON, E. SYDNEY

Di,cu.,sion on: Chang:ing Role of the .\ctuary, XXI, D273. Impact of Inflation on the Life Insurance Indu>try. XXII, D36.

JACKSON, PAUl. H. Book Reviews: Analysis of the Cost of Vesting in Pension Pl,~us IHoward

Winklevoss/, X}'~IV, 501. .4utomobilc lt'o~'kcr and Retirement: A Second Look tRichard E. Bar-

field), XXIII, 68. Early Retirement Bem'~ts--t'anacea, Purgatory or Palliative (Harry

E. Blagdem, XXIII, 61. Early Retirement: The Decision and the Experience IRichard Barfield

and James Mordant, XXII, :37. Early Retirement Programs (Mitchell Mver and Harland Foxl, XXlV,

50. Early Retirement: .4 Sm~,,ey qf Company t'olicies and Retbves' Experi-

em-c IMark R. Greene, H. Charles l~xon, U. Vincent Manion, and Howard Winklevoss), XXIII, 63.

Fundamentals of Pension Mathematics IBarnet N. Berin), XXIV, 43. Investment t'ractices, Pe~)rmance and ,llanagcment of Prq~t Sharing

Trust Funds IBerl I,. Metz~erl, XXI, 663. Measuring lnvcstment Pe~.4brmance ~( Pension Fumts for Purpose ~g

lnte~fund Comparison (Cohen, Dean, Durand, Fama, Fisher, Lorie, and Shapirot, XXI, 169.

1970 Study of htdustrial Retireme~tt Plans iBankers Trust Company), XXIII, 70.

1971 ll'hitc llcusc Confi, rence on Aging: Income--Background attd Issues IYung-Ping Chen), XXIV, 511.

Pension Fund Investment Management, C.F.A. Research Seminar (Es- mond B. (;ardner, ed.), XXII, 58.

INDEX TO VOLUMES XXI--XXIV 5 85

Pensions and Severance Pay ,lbr Displaced Defense Workers (Hugh Folk and Paul Hartman), XXIII, 652.

Pre-retirement Years (U.S. Department of Labor), XXIII, 69. Private Pension Scheme Finance (Sylvia and Leslie Tutt), XXIII, 660. Private Pensions and the Public Interest (Symposium on Private Pen-

sions), XXIII, 71. Protecting Purchasing Power in Retirement." A Study of Public

Employee Retirement Systems (John P. Mackin), XXIV, 503. Discussion on: Actuarial Principles and Practices for Pension Plans,

XXIV, D386. Asset Value Guarantees under Equity-based Products (Samuel H.

Turner), XXI, 483. Empirical Approach to Determination of Credibility Factors (Ralph

D. Maguire), XXI, 219. New Look at the Frequency of Pension Plan Actuarial Valuations (Neil

R. Cronquist and William A. Dreher), XXIV, 133. Role of the Actuary in Collective Bargaining, XXIII, D647. Utility TheoD', XXI, D362.

JACKSON, ROBERT T. Book Review: Insurance Casebook, XXII, 418. Discussion on: Mutual Life Insurance Companies--Their Objectives and

Operating Philosophy-, XXIII, D449. JACOBS, JOSHUA--Book Review with Dean E. Williams: Insurance Coverage

for Mental Illness (J. F. Follmann, Jr.), XXII, 411. JACOBSON, REUBEN I.--Discussion on: Actuary's Responsibility to His Vari-

ous Publics, XXIII, D215. JAMES, CLYDE W.--Obituary Notice, XXI, 680. JARETT, IRWIN M.--Discussion on: Health Insurance in Transition, XXIV,

D209. JAY, BURTON D.

Discussion on: Computer Models and Simulation, XXI, D137. Role of the ActuaD' in Expense Control, XXII, D118.

JEFFERY, JAMES E.--Discussion on: Current Developments in Group Life and Health Insurance, XXIV, D381.

JENSEN, RUSSELL R. Discussion on: Life Insurance Net Cost Comparisons, XXI, D200.

Net Cost Comparisons, XXII, DT01. JOCttELSON, L. C.

Discussion on: Consumerism, XXIV, D467. Critical Look at the Standard Nonforfeiture and Valuation Laws,

XXIV, D321. JOHANSEN, ROBERT J,


Education and Examination of Actuaries, XXII, D635. Numerical Analysis, XXI, D918.

JOHANSON, FRANCIS OSCAR--Obituary Notice, XXIII, 85. JOHNSON, CHANDLER BURBIDGE--Obituary Notice, XXI, 327. JOHNSON, LEIF R.--Obituary Notice, XXII, 68. JOHNSON, ROYAL A.


Smaller Company Forum, XXIII, D364.


JOHNSTON, DENIS F.--Discussion on: Forecasting the Environment for Busi- ness, XXIII, D561.

JOHNSTONE, WILLIAM CRAWFORD--Obituary Notice, XXI, 193. JONES, DONALD A.

Discussion on: Algorithm for Computing Expected Stop-Loss Claims under a Group Life Contract (John A. Mereu), XXIV, 338.

Empirical Approach to Determination of Credibility Factors (Ralph D. Maguire), XXI, 232.

Models and Decision Techniques, XXII, D440. JONES, HARRY W.--Obituary' Notice, XXI, 680. JONES, NATHAN F.

Discussion on: Adjusted Earnings, XXIII, D164. Life Insurance Net Cost Comparisons, XXl, D194.

JONES, W. RALPH--Obituary Notice, XXII, 69. JORDAN, FRANK RUSSELL--Obituary Notice, XXlI, 428. JORDAN, ROBERT H.

Discussion on: Equity-oriented Products, XXI, D162. Equity" Products, XXI, D387.

Paper: Analysis of Contributions to Surplus, XXI, 81, 3t3. JOVCE, WALLACE R.--Discussion on: Changing Role of the Actuary, XXI,

D274. JOVNER, BILLY N.--Discussion on: Variable Life Insurance, XXII, D162.

KAHN, PAUL MARKHAM Book Reviews: Decision Analysis: Introductory Lectures on Choices

under Uncertainty (Howard Raiffa), XXIII, 56. Economics of Uncertainty (Karl H. Borch), XXI, 654. Mathematical Methods in Risk Theory (Hans B/ihlmann), XXIII, 58. "Review of the Collective Theory of Risk" (Carl Philipson), XXI, 654. Risk Theory (R. E. Beard, T. Pentik~iinen, and E. Pesonen), XXI,

654. Stochastic Theory of a Risk Business (Hilary L. Seal), XXI, 654.

Discussion on: Analysis of Basic Actuarial Theory' for Fixed Premium Variable Benefit Life Insurance (John C. Fraser, Walter N. Miller, and Charles M. Sternhell), XXI, 410.

Utility Theory, XXI, D353. Paper: Projections of Variable Life Insurance Operations, XXIII, 335,

365. KAMER, JOEL \ ' .--Discussion on: Marketing Expense--Those Items Not

Directly Allocable: Allocation and Control in Multiline Marketing Systems, XXIV, D718.

KANE, HOWARD L. Discussion on: Current Developments in Group Life and Health Insur-

ance, XXIV, D382. Education and Examination of Actuaries, XXII, D653.

KAPUR, VISHWA N. Discussion on: Alternate Route, XXIII, D96.

Continuing Education--Discussion of Trowbridge Report, XXII , D296.

Investment Responsibility of the ActuaD', XXII, D105. KARSTEN, ORLO L., JR.--Discussion on: Effects of Inflation on Underwriting,

XXII, D234.


KATONA, GEORGE--Discussion on: Personal Security in the 1970's--United States and Canada, XXII D329.

KAYTON, HOWARD H. Discussion on: Casualty Insurance and the Life Actuary, XXIV, D873.

Corporate Diversification: Experience in the United States and Canada, XXIV, D612.

Paper with Robert C. Tookey: Mer~er of Mutual Life Insurance Com- panies, XXIV, 261, 309.

KEENE, KENNETH K. Discussion on: Final-Pay Pension Plans, XXI, D291.

New Investment Measures for Pension Funds, XXIV, D654. KEFI.'ER, WILLIAM W.--Discussion on: Health Insurance and Health Care,

XXIV, D547. KEH, ALFONSO D - - P a p e r with Harold R. Greenlee, Jr.: Group Annuity

Mortality Table--1971, XXIII, 569, 617. KEITH, DONALD M.--Discussion on: Final-Pay Pension Plans, XXI, D541. KELLIE, WILLIAM C.--Discussion on: Expected Profit Formulas (James L.

Lewis, Jr.), XXIII, 331. KELLISON, STEPHEN G.

Discussion on: Alternate Route, XXII, D492; XXIII, D282. New Look at the Frequency of Pension Plan Actuarial Valuations ~Neil

R. Cronquist and William A. Dreher), XXIV, 139. Return on Stockholder Equity ~Thomas P. Bowles, Jr.), XXI, 250.

Paper with John A. Fibiger: Actuarial Functions as Expected Values, XXIII , 1, 149.

KELLY, THOMAS J. Discussion on: Consumerism, XXIV, D679.

Smaller Company Forum, XXIII, D198. KELTIE, W. ALLAN--Discussion on: Mortality Trends, XXI, D896. KELTON, WILLIAM HENRY--Obituary Notice, XX1V, 537. KENT, MORTON J.--Discussion on: Mergers, Acquisitions, and Valuation of

Stockholder Equity, XXI, D495. KESSNER, NORMAN S.--Obituary Notice, XXII, 69. KEYFITZ, NATHAN

Book Review: Methods and Materials of Demography (Heno' S. Shyrock, Jacob S. Siegel, and associates), XXIV, 508.

Paper: Some Implications of Current Demographic Trends, XXIII, 203. KILBOURNE, FREDERICK W.

Discussion on: Casualty Insurance and the Life Actuary, XXIV, D857. Underwriting the Catastrophe Accident Hazard, XXIV, D435.

KING, ESTELLA FisHER--Obituary Notice, XXIII, 86. KINZLER, HENRY--Obituary Notice, XXIII , 673. KIRKMAN, JOHN D.--Discussion on: Consumerism, XXIV, D463. KIRKPATRICK, CLAIR C.--Obituary Notice, XXIII, 86. KLEM, WALTER--Discussion on: Annual Statement Accounting, XXI, D712. KLING, RICHARD W.--Discussion o n Variable Life Technical Problems,

XXIV, D787. KNOWLTON, HENRY K.

Discussion on: Management of Professional Personnel, XXI, D89. Return of Premium Benefit in Health Insurance IE. Paul Barnhart),

XXII, 300.


KNOX, FREDRICK J.--Discussion on: Casualty Insurance and the gife Actuary, XXIV, D867.

KRAE(;EL, WILFRED A. Discussion on: Changing Role of the ActuaD', XXI, D524.

Role of the Actuary in Expense Control, XXlI , D453. KRALL, JOHN M.--Paper with James C. Hickman: Adjusting Multiple-

Decrement Tables, XXII, 163, 187. KRAYSLER, STEPHEN F.--Discussion on: Life Insurance Product Develop-

ment, XXIV, D268. KREPS, JUANITA M.--Discussion on: Changing Modes of Family Life,

XXIII, D613. KRIEGER, RAYMOND B.--Paper: Reserves fur Lives Disabled under Group

Insurance Extended Death Benefit Provisions of the Premium- Waiver Type, XXIII, 419.

KUNKEMUELLER, :\. HENRY Discussion on: Liabilities and Surplus in the 1970's, XXIII, D610.

IAfe Insurance Operations Overseas--Problems and Opportunities, XXI, D820.

K\'ERXLAND, JACK T. Discussion on: Impact of Inflation on the Life Insurance Industry, XXII,

D44. Management of Professional Personnel, XXI, D79.

KVLE, GEORGE" B.--Book Review: L(fe Insurance Company Mergers and Con- solidations IRobert Allen Marshalll, XXlV, 524.

I,AING, JOItN N.--Discussion on: Current Developments in Group Life and ttealth Insurance, XXIV, D346.

LAKE, MENO T. Discussion on: Adjusted Earnings for Life Companies, XXII, D350.

Diversification of Life Companies to Financial Services, XXI, D845. Return on Stockholder Equity (Thomas P. Bowles, Jr.I, XXI, 253.

LANCASTER, EDWIN B. Discussion on: Alternate Route, XXI, D545.

Changing Role of the Actuary, XXI, D274. Continuing Education--Discussion of Trowbridge Report, XXII,

D281. Pension Plan Developments, XXII, D225.

Paper: Presidential Address, XXIII, 197. LANDIS, JA(:OB S.

Discussion on: Twenty-Year Net Cost Formula {Peter L. J. Ryall), XXI, 322.

Variable Life Technical Problems, XXIV, D789. l,AN(;, KERMlW--()bituary Notice, XXII, 429. gANGER, DAVID


Social and Economic Role of the Actuary, XXII, D666. LARKIN, JAMES P.--Discussion on: Liabilities and Surplus in the 1970's,

XXIII, D606. I,ATTO, LAWRENCE J.--Discussion on: Equity-oriented Products, XXI, DI5. LAUER, J. ALAN

Discussion on: Analysis of Contributions to Surplus (Robert H. Jordan}, XXI, 309,


Individual Annuity Mortality Table--1971 (Harold Cherry}, XXIII, 551.

Profession and Life Insurance Buyer, XXIV, D758. Sources of Statistical Information for Actuaries, XXII, D391. Uniform Approach to Accounting for Bond and Common Stock Invest-

ments (Daniel F. Case), XXIV, 470. LAWRENCE, JOSEPH R.--Discussion on: Marketing/Agency Supervision,

XXIV, D845. LAWRENCE, ROBERT K.--Obituary Notice, XXII, 429. LAZERSON, JACOB A.--Discussion on: Return of Premium Benefit in Health

Insurance (E. Paul Barnhart), XXII, 284. LEAPMAN, DONALD J.--Book Review: Life Insurance, Annuities and Pen-

sions (A. Pedoe), XXIII, 51. LEBLOND, HFNm--Discussion on: Smaller Company Forum, XXIII, D197. LECKIE, ROBIN B.--Discussion on: Profession and Life Insurance Buyer,

XXIV, D758. LECLAIR, PETER T.--Discussion on: New York Life Variable Life Insurance

Design on a Daily Basis (Edward Scher), XXIII, 385. LEE, H. DOUGLAS--Discussion on: Panel Discussion: Past Is Prologue, XXI,

D555. LEGGETT, RICHARD A.--Discussion on: Return on Stockholder Equity

(Thomas P. Bowles, Jr.), XXI, 255. LEGISLATION

Discussion on: Legislative Developments of Interest to Actuaries, XXII, D7.

Recent Legislative Developments, XXII, D1. LEGISLATIVE DEVELOPMENTS OF INTEREST TO ACTUARIES--Discussion,

XXII, D7. LEVENE, DAVID A.--Discussion on: Future of the Profession, XXIV, D814. LEVERETT, E. J., JR.--Discussion on: Liabilities and Surplus in the 1970's,

XXIII, D593. LEVINSON, LotsIs--Discussion on: New Approach to the Calculation of Active

Life Disability Reserves (Mel Stein), XXII, 138. LEVY, GERALD A.


Reserve Basis for Guaranteed Benefits under Variable Annuity Con- tracts (Herbert W. Hickman), XXII, 225.

Variable Insurance Products, XXI, D625. Variable Life Insurance, XXIII, D74.

LEVY, ROBERT A.--Discussion on: Statistical Studies of Stock Market Behavior, XXII, D535.

LEW, EDWARD A. Discussion on: Adjusting Multiple-Decrement Tables (John M. Krall and

James C. Hickman), XXlI, 186. Changing Modes of Family Life, XXlII, D644. Elections by Mail, XXllI , D41. Forecasting the Environment for Business, XXIII, D549. Future of the Profession, XXIV, D805. Individual Annuity Mortality Table--1971 (Harold Cherry), XXIII,

554.


Mortality Trends, XXI, D899. Nineteenth International Congress of Actuaries, XXIV, D543. Recent Mortality under Individual Immediate Annuities, XXI, D547. Utility Theory, XXI, D331.

LEW, JAMEs--Discussion on: Taxation of Variable Annuities and Mutual Funds, XXI, D871.

LEWIS, CLAIR A. Discussion on: Life Insurance Net Cost Comparisons, XXI, D487.

Net Cost Comparison of Dissimilar Life Insurance Contracts: The Sta,- dard Mortality Cost Method (J. Stanley' Hill), XXIII, 318.

LEWIS, JAMES L., JR. Discussion on: Computer Models and Simulation, XXI, D127.

Corporate Models and Corporate Planning, XXIV, D619. Marketing Expense--Those Items Not Directly Allocable: Allocation

and Control in Multiline Marketing Systems, XXI V , D727, Models and Decision Techniques, XXII, D451.

Paper: Expected Profit Formulas, XXIII, 325, 333. LEWIS, W. JAMES D.

Discussion on: Actuarial Reporting for Management, XXII, D594. Equity-oriented Products, XXI, D176. Symposium on Adjusted Earnings, XXIII, D395.

LIABILITIES AND SURPLUS IN THE 1970's--Discussion, XXIII, D587. LIABILITY INSURANCE

Book Review: Automobile Insurance: A Long-Range View (Sajjad A. Hashmi), Reviewed by Edward J. Porto, XXIV, 526.

Discussion on: Proposed Changes in Automobile Liability Insurance, XXI, D311.

LIFE INSURANCE ACCOUNTING--See Financial Statement. LIFE INSURANCE BASED ON THE CONSUMER PRICE INDEX--John M. Bragg

and David A. Stonecipher, XXII, 333,374; Discussion, XXII, 367. LIFE INSURANCE EARNINGS AND THE RELEASE FROM RISK POLICY RESERVE

SYSTEM--Richard G. Horn, XXIII, 391, 414; Discussion, XXIII, 401.

LIFE INSURANCE MATHEMATICS Book Reviews: Compound Interest and Annuities-certain (D. W. A.

Donald), Reviewed by Ernest R. Vogt, XXIII, 629. Fundamental Mathematics of Life Insurance (Floyd S. Harper and

Lewis C. Workman), Reviewed by Joseph C. Nohack, XXIII, 627. Mathematics of Compound Interest (Marjorie V. Butcher and Cecil

J. Neshitt), Reviewed by Warren R. Adams, XXIII, 628. Spirit and the Uses of the Mathematical Sciences (Thomas L. Saaty

and F. Joachim Weyl, eds.), Reviewed by David S. Williams, XXIII, 631.

Discussion on: Actuarial Functions as Expected Values (John A. Fihiger and Stephen G. Kellison), XXIII, 141.

Paper: Algorithm for Computing Expected Stop-Loss Claims under a Group Life Contract (John A. Mereu), XXIV, 321.

LIFE INSURANCE NET COST CoMvAmSONs--Discussion, XXI, D185, D481. LIFE INSURANCE OPERATIONS OVERSEAS--PROBLEMS AND OPPOR-

TUNITIES-Discussion, XXI, D819. LIFE INSURANCE PRODUCT DEVELOPMENT--Discussion, XXIV, D249. LIGGETT, DARWIN S.--Discussion on: Health Services--Public versus Private

Financing, XXIII, D245.

INDEX TO VOLUMES KXI--XXlV 591

LINCOLN, JOHN W. Discussion on: Computer Models and Simulation, XXI, D137.

Life Insurance Net Cost Comparisons, XXI, D197. Obituary Notice, XXIII, 87.

LINDSAY, ROBERT L. Discussion on: Deferred Tax Considerations, XXIII, D431.

Investment of Assets--the Other Half of the Balance Sheet, XXIV, D487.

LINGUA, GEORGE M.--Discussion on: Asset Management, XXIV, D61. LINK, ROBERT F.

Discussion on: Alternatives for Pension Legislation, XXIV, D44. Asset Management, XXIV, D75. Final-Pay Pension Plans, XXI, D297. Profit and Other Objectives in Group Operations, XXI, D804. Utility Theory, XXI, D362.

LIPKIND, SAUL S.--Obituary Notice, XXIV, 241. LITTLE, D. ALAN--Discussion on: Mergers, Acquisitions, and Valuation of

Stockholder Equity, XXI, D240. LITTLE, RICHARD--Obituary Notice, XXlI, 70. LIVELY, DAVID L.--Discussion on: Variable Life Insurance, XXII, D159. LOCKWOOD, DONALD A.

Discussion on: New Look at Gain and Loss Analysis (Arthur W. Ander- son), XXIII, 160.

Pension Plan Developments, XXlI, D220. LOFTIS, JOHN M.

Discussion on: Management of Professional Personnel, XXI, D87. Marketing Trends--Smaller Companies, XXI, D370.

LOGICAL APPROACH TO POPULATION PROBLEMS--Robert W. Batten, XXI, 49, 299; Discussion, XXI, 281.

LONG-RANGE VIABILITY AND REGULATION OF CORPORATE PENSION PLANS --Discussion, XXIII, D531.

LONGMOORE, JOHN T.--Discussion on: Equity-oriented Products, XXI, D161, D473.

LOWRIE, WALTER B.--Discussion on: What about These Younger Actuaries? XXII, D374.

LUPEAN, EDWARD M.--Discussion on: Equity-oriented Products, XXI, D13. LUZADER, RANDALL M.

Discussion on: Asset Management, XXIV, D78. Outlook for Public Employee Retirement Systems, XXIV, D179.

LYLE, ANNIE MARY--Obituary Notice, XXI, 194. LYONS, DANIEL J.

Discussion on: Agent Compensation, XXlII, D172. Net Cost Comparisons, XXlI, D701.

MACARCHUK, JOHN Discussion on: Equity-oriented Products, XXI, D147.


Paper: Observations on Actuarial Aspects of the Insured Variable Annuity, XXI, 529.


MACCABE, THOMAS J.--Obituary Notice, XXIII, 675. MAcGINNITIE, W. JAMES

Discussion on: Adjusted Earnings, XXIV, D538. Corporate Planning, XXI, D888. Fulfilling Stockholders' Objectives, XXIV, D245.

MACGREGOR, KENNETH R. Discussion on: Diversification of Life Companies to Financial Services,

XXI, D847. Mutual Life Insurance Companies--Their Objectives and Operating

Philosophy, XXIII, D455. MACLEAN, JOSEPH BROTHERTON--Obituary Notice, XXII, 430. MAGNUSSON, DOUGLAS S.

Discussion on: Current Topics in Individual Policy Pension Plans, XXIV, D87.

Variable Life Insurance, XXII, D150. MAGUIRI~, RALPH D. --Paper: Empirical Approach to Determination of Credi-

bility Factors, XXI, 1, 235. MAHDER, JOHN

Discussion on: Sources of Statistical Information for Actuaries, XXII, D385.

Trends in Employee Benefit Plans, XXII, D615. MAIER, DONALD B.--Discussion on: Natural Reserve Concept and Life Insur-

ance Earnings (Joe B. Pharr), XXIII, 127. MAJOR MEDICAL--See Health Insurance. MANAGEMENT

Discussion on: Forecasting the Environment, XXIII, D531. Mutual Life Insurance Companies--Their Objectives and Operating

Philosophy, XXIII, D445. MANAGEMENT INFORMATION SYSTEMS--Discussion on: Actuarial Reporting

to Management, XXIII, D221. MANAGEMENT OF' PROFESSIONAL PERSONNEL--Discussion, XXI, D79,

D439. MARGOLIN, MYRON H. --Paper: On the Credibility of Group Insurance Claim

Experience, XXIII, 229, 262. MARKETING

Discussion on: Marketing/Agency Supervision, XXIV, D839. Marketing Expense--Those Items Not Directly Allocable: Allocation

and Control in Multiline Marketing Systems, XXIV, D711. Utility Theory, XXI, D331.

MARKETING/AGENCY SUPERVISION--Discussion, XXIV, D839. MARKETING EXPENSE--THOSE ITEMS NOT DIRECTLY ALLOCABLE: ALLOCA-

TION AND CONTROL IN MULTILINE MARKETING SYSTEMS --Discussion, XXIV, D711.

MARKETING TRENDS--SMALLER COMPANIEs--Discussion, XXI, D365, D403.

MARPLES, WILLIAM F. Discussion on: Actuarial Principles and Practices for Pension Plans,

XXIV, D53. Education and Examination of Actuaries, XXII, 'D657.

MARSHALL, JACK A.--Discussion on: Management of Professional Personnel, XXI, D88.


MASON, PAuL--Discussion on: Variable Insurance Products, XX1, D618. MASSEY, JOHN B.--Discussion on: Topics for Consulting Actuaries, XXI,

D775. MAST, BOYD S.--Discussion on: Benefit Design, XXIV, D166. MATHEMATICS

Book Reviews: Introduction to Probability Theory and Its Applications (William Feller), Reviewed by John A. Beekman, XXIV, 51.

Tomorrow's Math (C. Stanley Ogilvy), Reviewed by John A. Beekman, XXIV, 51.

MATHIEU, LAvAL--Discussion on: Numerical Analysis, XXI, D925. MATTEODO, SIMONE, JR.--Discussion on: Current Developments in Group

Life and Health Insurance, XXIV, D345. MATZ, J. EDWIN--Discussion on: Deferred and Incentive Compensation,

XXI, D683. MAUER, JOHN A.--Discussion on: Health Care Delivery in the 1970's, XXII,

D55. MAURER, RICHARD L.--Discussion on: Models and Decision Techniques,

XXII, D426. MAYER, JoERG--Discussion on: Alternate Route, XXIII , D93. MAYERSON, ALLEN L.

Discussion on: Empirical Approach to Determination of Credibility Fac- tors (Ralph D. Maguire), XXI, 228.

Proposed Changes in Automobile Liability Insurance, XXI, D311. Obituary Notice, XXIII , 674.

MAYNARD, JOHN C. Discussion on: Cash-Flow Problems, XXII , D729.

Profession and Life Insurance Buyer, XXIV, D763. MCALLISTER, JOSEPH P.--Discussion on: Computer Models and Simulation,

XXI, D138. McAULAY, ARCHIBALD H.

Discussion on: Mergers, Acquisitions, and Valuation of Stockholder Equity, XXI, D231.

Profession and the Life Insurance Buyer, XXlV, D760. MCCARTHY, DANIEL J., JR.

Book Review: Analysis of Mortality and Other Actuarial Statistics (B. Benjamin and H. W. Haycocks), XXIII , 49.

Discussion on: Individual Medical Expense Insurance, XXI, D735. Variable Life Insurance, XXII, D159.

MCCLELLAND, JOHN R. - -Book Review: Consumer's Guide to Insurance Buy- ing (Vladimir P. Chernik), XXIII , 658.

McCoY, JOHN S.--Discussion on: Group Annuity Mortality Table--1971 (Harold R. Greenlee, Jr., and Alfonso D. Keh), XXIII , 615.

McCRACKEN, ARCHIE R.--Discussion on: Elections by Mail, XXIII, D242. McCRACKEN, LESTER R.--Discussion on: Adjusting Multiple-Decrement

Tables (John M. Krall and James C. Hickman), XXII , 191. McCuTCHEON, MALCOLM WALLACE--Obituary Notice, XXI, 195. McGINN, DANIEL F.

Discussion on: Pension Developments, XXlII, D296. Role of the Actuary in Collective Bargaining, XXlII, D654. Trends in Employee Benefit Plans XXII , D610. Variable Insurance Products, XXI, D603.


MCKELVEY, CHANDLER L. Discussion on: Changing Role of the Actuary, XXI, D280.

Corporate Planning, XXI, D887. Marketing Trends--Smaller Companies, XXI, D379.

McKIBBON, J. CLUNAS F.--Discussion on: Sources of Statistical Information for Actuaries, XXII, D389.

McKINNEY, GORDON D,--Obituary Notice, XXI, 196. McLAUGHLIN, JOHN G.--Discussion on: Adjusted Earnings, XXIII, D156. McNAMARA, GEORGE F.--Discussion on: Effects of Inflation on Underwrit-

ing, XXII, D250. MEHR, ROBERT I.--Discussion on: Actuary's Responsibility to His Various

Publics, XXIII, D216. MELVILLE, GALFRID L.--Discussion on: Continuing Education--Discussion

of Trowbridge Report, XXII, D294. MELVILLE, JAMES--Discussion on: Deferred Tax Considerations, XXIII,

D439. MENZLER, FREDERICK AUGUST ANDREw--Obituary Notice, XXI, 196. MEREU, JOHN A.--Paper: Algorithm for Computing Expected Stop-Loss

Claims under a Group Life Contract, XXIV, 31 I, 346. MERGER OF MUTUAL LIFE INSURANCE COMPANIES--Howard H. Kayton and

Robert C. Tookey, XXIV, 261, 309; Discussion, XXIV, 297. MERGERS, ACQUISITIONS, AND VAL.UATION OF STOCKHOLDER EQUITY--Dis-

cussion, XXI, D219, D493. MERRITT, LYNN G.--Discussion on: Continuing Education of the Actuary,

XXII, D320. MERRITT, ROBERT

Discussion on: Consumerism, XXIV, D473. Merger of Mutual Life Insurance Companies (Howard H. Kayton and

Robert C. Tookey), XXIV, 261; Discussion, XXIV, 297.

MILES, DOUGLAS H . - - D i s c u s s i o n on: New Look at the Frequency of Pension Plan Actuarial Valuations (Neil R. Cronquist and William A. Dreher), XXIV, 140.

MILGROM, PAUL R. - -D i scus s ion on: Interest Rate Assumption and the Matu- rity Structure of the Assets of a Life Insurance Company (Irwin T. Vanderhoof), XXIV, 194.

MILLAN, RAYMOND M.--Discussion on: Consumerism, XXIV, D457. MILLER, JOHN H.

Discussion on: Report on Forthcoming Sequel to the 1966-67 Future Outlook Study of the Institute of Life Insurance (Ernest J. Moorhead), XXIV, 76.

Paper with Simon Courant: Some Observations on the Nature of the Risk of Disability, Its Measurement and Control, XXIV, 349, 371.

MILLER, JOHN N.--Discussion on: Social Security and Employee Benefits in Western Europe, XXI, D727.

MILLER, ROBERT B.--Discussion: Utility Theory, XXI, D349. MILLER, WALTER Y.


Equity-oriented Products, XXI, D168. Future of the Profession, XXIV, D800. Life Insurance Product Development, XXIV, D264. Profit Squeeze for Individual Insurance, XXIII, D308.


Taxation of Variable Annuities and Mutual Funds, XXI, D876. Variable Insurance Products, XXI, D635. Variable Life Insurance, XXII, D164; XXIII, D84, D279; XXIV,

D673. Paper with John C. Fraser and Charles M. Sternhell: Analysis of Basic

Actuarial Theory for Fixed Premium Variable Benefit Life Insur- ance, XXI, 343.

MILLIMAN, WENDELL h. Discussion on: What about These Younger Actuaries? XXII, D370. Paper: Presidential Address, XXI, 335.

MINCK, RICHARD V. Book Review: Guaranty Fund for Private Pension Obligations (Dan M.

McGill), XXIII, 65. Discussion on: Insolvency and Solidity Tests, XXIV, D829.

Long-Range Viability and Regulation of Corporate Pension Plans, XXIII, D537.

Pension Developments, XXIII, Dl10. MINOR, EDUARD H.--Discussion on: Statistical Studies of Stock Market

Behavior, XXII, D544. MITCHELL, GEORGE T.

Discussion on: Equity-oriented Products, XXI, D145. Taxation of Variable Annuities and Mutual Funds, XXI, D869.

MITCHELL, JAMES A.--Discussion on: Consumerism, XXIV, D466. MITCHELL, LAWRENCE


Reserve Basis for Guaranteed Benefits under Variable Annuity Con- tracts (Herbert W. Hickman), XXII, 219.

MITCHELL, THOMaS--Discussion on: Benefit Design, XXIV, D165. MODELS AND DECISION TECHNIQUES--Discussion, XXII, D411. MOELLER, CHARLES, JR.

Discussion on: Impact of Inflation on the Life Insurance Industry, XXII, D34.

Investing during the 1970's, XXIII, D509. MOORE, ARTHUR J.--Obituary Notice, XXII, 70. MOORE, GEORGE E., JR.--Discussion on: Actuarial Reporting for Manage-

ment, XXII, D599. MOORE, JASPER E.--Discussion on: Role of the Actuary in Expense Control,

XXII, D133. MooRE, JOHN B.--Discussion on: Pension Benefit Security Bill, XXI, D598. MOORHEAD, ERNEST J.


Consumerism, XXIV, D452. Fourth Pacific Insurance Conference, XXI, D5. Life Insurance Net Cost Comparisons, XXI, D198. Net Cost Comparison of Dissimilar Life Insurance Contracts: The Stan-

dard Mortality Cost Method (J. Stanley Hill), XXIII, 311. Net Cost Comparisons, XXII, D713. Profession and the Life Insurance Buyer, XXIV, D753.

Papers: Presidential Address, XXII, 155. Report on the Forthcoming Sequel to the 1966-67 Future Outlook

Study of the Institute of Life Insurance, XXIV, 65.


MORAN, JOSEPH W.--Discussion on: Profit and Other Objectives in Group Operations, XXI, D818.

MORRILL, JOHN E.--Discussion on: Actuarial Funct ions as Expected Values (John A. Fibiger and Stephen G. Kellison), XXIII, 141.

MORRIS, H. TODD--Discussion on: Role of the Actuary in Expense Control, XXII, D464.

MORRISON, DAVID E.--Discussion on: Current Developments in Group Life and Health Insurance, XXIV, D350.

MORTALITY OF THE AGED--Francisco Bayo, XXIV, 1, 213; Discussion, XXIV, 207.

MORTALITY-RELATED SUBJECTS Discussion on: Mortality of the Aged (Francisco Bayo), XXIV, 207.


Recent Mortality under Individual Immediate Annuities, XXI, D547. Papers: Adjusting Multiple-Decrement Tables (John M. Krall and James

C. Hickman), XXII, 163. Group Annuity Mortality Table--1971 (Harold R. Greenlee, Jr., and

Alfonso D. Keh), XXIII, 569. Individual Annuity Mortality Table--1971 (Harold Cherry), XXIII,

475. Logical Approach to Population Problems (Robert W. Batten), XXI,

49. Mortality of the Aged (Francisco Bayo), XXIV, 1. Revised Tables for Major Medical Benefits (E. Paul Barnhart), XXI,

21. MORTALITY AND REMARRIAGE EXPERIENCE FOR WIDOW BENEFICIARIES

UNDER OASDI--Francisco Bayo, XXI, 59, 305; Discussion, XXI, 301.

MORTALITY TRENDS--Discussion, XXI, D895. MORTALITY AND UNDERWRITING OF INDIVIDUAL POLICIES FOR LARGE

AMOUNTS--Discussion, XXIII, D489. MORTON, ALTON P.

Discussion on: Mortality and Underwriting of Individual Policies for Large Amounts, XXIII, D506.

Social and Economic Role of the Actuary, XXII, D674. MOSESSON, ZEHMAN I.--Discussion on: Net Cost Comparison of Dissimilar


MOULTON, CHARLES H. T.--Obituary Notice, XXI, 328. MUELLER, RUSSELL J.--Discussion on: Long-Range Viability and Regulation

of Corporate Pension Plans, XXIII, D547. MULLENS, WILL R.--Discussion on: Fulfilling Stockholders' Objectives,

XXIV, D216. MULLER, GARY L.--Discussion on: Adjusted Earnings, XXIII, D353. MUNRO, RUSSELL E.--Discussion on: Analysis of Basic Actuarial Theory

for Fixed Premium Variable Benefit Life Insurance (John C. Fraser, Walter N. Miller, and Charles M. Sternhell), XXI, 413.

MURPHY, JAMES J. Discussion on: Analysis of Basic Actuarial Theory for Fixed Premium



Net Cost Comparison of Dissimilar Life Insurance Contracts: The Stan- dard Mortality Cost Method (J. Stanley Hill), XXIII, 318.

Paper with Rodney R. Rohda: Variable Life Insurance Viewed via the "Additions" Concept, XXII, 377.

MUSHER, JOSEPH--Discussion on: Participation of Actuaries in Governmental Advisory Groups, XXII, I3514.

MUTUAL FUNDS--See Variable Annuities and Mutual Funds. MUTUAL LIFE INSURANCE COMPANIES--THEIR OBJECTIVES AND OPERAT-

ING PHILOSOPHY--Discussion, XXIII, D445. MYERS, ROBERT J.

Book Reviews: Reports of the 1971 Advisory Council on Social Security (Advisory Council on Social Security), XXIII, 635.

Social Security (Joseph A. Peehman, Hen~ J. Aaron, and Michael K. Taussig), XXI, 165.

Discussion on: ActuaD"s Responsibility to His Various Publics, XXIII, D212.

Economy and Federal Policy, XXIV, D641. Final-Pay Pension Plans, XXI, D292, D307. Health Insurance in the United States, XXIII, D671. Outlook for Public Employee Retirement Systems, XXIV, D181. Past and Future Dynamics of North American Retirement Systems,

XXIV, D19. Pension Developments, XXIII, D303. Personal Security in the 1970's--United States and Canada, XXII,

D340. Position Statement, XXII, D313. Recent Developments in Social Security in the United States, XXI,

D1. Retirement-Age Dilemma, XXII, D584. Social Security and Employee Benefits in Western Europe, XX1, D713. Social Security Legislative Developments, XXII, D681.

Paper: Presidential Address, XXIV, 253.

NACIN, RAYMOND J.--Discussion on: Corporate Models and Corporate Planning, XXIV, D625.

NAGLER, STEWART G. Discussion on: Analysis of Basic Actuarial Theory for Fixed Premium


Variable Life Insurance, XXII, D401. NATURAL RESERVE CONCEPT AND LIFE INSURANCE EARNINGS---Joe B.

Pharr, XXIII, 93, 138; Discussion, XXIII, 117. NAYLOR, CARMAN A.--Discussion on: Current Developments in Group Life

and Health Insurance, XXIV, D341. NEAL, WILLIAM E.--Discussion on: Consumerism, XXIV, D452. NELSON, ALVIN B.--Discussion on: Life Insurance Product Development,

XXIV, D250. NELSON, ROBERT E. R.

Discussion on: Actuarial Reporting for Management, XXII, D602. United States Federal Income Tax, XXI, D436.

NESBITT, CECIL J. Book Reviews: Mathematical Sciences: A Collection of Essays, XXI,

651.


Truth in Lending: Regulation Z; Supplement 1; Annual Percentage Rate Tables, Volumes I and II, XXI, 666.

Discussion on: Actuarial Functions as Expected Values (John A. Fibiger and Stephen G. Kellison), XXIII, 141.

Adjusted Earnings for Mutual Life Insurance Companies (Donald D. Cody), XXIV, 233.

Analysis of Basic Actuarial Theory. for Fixed Premium Variable Benefit Life Insurance (John C. Fraser, Walter N. Miller, and Charles M. Sternhell), XXI, 423.

Computer Models and Simulation, XXI, D119. Education and Examination of Actuaries, XXII, D656. Net Cost Comparison of Dissimilar Life Insurance Contracts: The Stan-

dard Mortality Cost Method (J. Stanley Hill), XXIII, 317. Ruin Function Approximation (John A. Beekman), XXI, 277. Social and Economic Role of the Actuary, XXII, D665.

NET COST Discussion on: Life Insurance Net Cost Comparisons, XXI, D185.

Net Cost Comparisons, XXII, D701. Papers: Twenty-Year Net Cost Formula (Peter L. J. Ryall), XXI, 101.

Twenty-Year Policyholder Cost Comparisons (Peter L. J. Ryall), XXI, 119.

NET COST COMPARISON OF DISSIMILAR LIFE INSURANCE CONTRACTS: THE STANDARD MORTALITY COST METHOD--J. Stanley Hill, XXIII, 289, 323; Discussion, XXIII, 311.

NET PREMIUM--Paper: Upper Bound on Stop-Loss Net Premium (Newton L. Bowers, Jr.), XXI, 211.

NEUMANN, EDWARD M.--Obituary Notice, XXIII, 676. NEW APPROACH TO THE CALCULATION OF ACTIVE LIFE DISABILITY RE-

SERVEs--Mel Stein, XXII, 1; Discussion, XXII, 129. NEW ECONOMIC POLICY--IMPACT OF PHASE 2 ON PENSION PLANS

---Discussion, XXIV, D101. NEW INVESTMENT MEASURES FOR PENSION FUNDS--Discussion, XXIV,

D643. NEW LOOK AT THE FREQUENCY OF PENSION pLAN ACTUARIAL VALUA-

TIONS--Neil R. Cronquist and William A. Dreher, XXIV, 79, 144; Discussion, XXIV, 125.

NEW LOOK AT GAIN AND LOSS ANALYSIS--Arthur W. Anderson, XXIII, 7, 182; Discussion, XXIII, 151.

NEW YORK LIFE VARIABLE LIFE INSURANCE DESIGN ON A DAILY BASIS --Edward Scher, XXIII, 367, 387; Discussion, XXIII, 377.

NEWCOMB, EDWARD G.--Obituary Notice, XXII, 71. NICKERSON, BRUCE E.


Consumerism, XXIV, D472. Critical Look at the Standard Nonforfeiture and Valuation Laws,

XXIV, D313. Equity-oriented Products, XXI, D468. Profit Squeeze for Individual Insurance, XXIII, D322.

NICOL, WILLIAM K. --Discussion on: Impact of Inflation on the Life Insurance Industry, XXII, D24.

NIESSEN, ABRAHAM M. Book Reviews: Population and the American Future: The Report of the


Commission on Population Growth and the American Future, XXIV, 513.

Public Attitudes toward Social Security (Michael E. Schlitz), XXIII, 60.

Railroad Retirement System: Its Coming Crisis (Report of the Commis- sion on Railroad Retirement), XXIV, 520.

"Table of Expected Working Life for Men, 1968," Monthly Labor Review (Howard W. Fullerton), XXIII, 648.

Tower of Strength: A Centennial History of the New Zealand Govern- ment Life Insurance Office, 1869-1969 (C. W. Vennell), XXII, 59.

Discussion on: Final-Pay Pension Plans, XXI, D539. 1971 CANADIAN CENSUS--Walter E. Duffett, XXIII, 217. NIX, ROBERT A.--Discussion on: Changing Role of the Actuary, XXI, D277. NOBACK, JOSEPH C.

Book Reviews: Accounting for Life Insurance Companies (Charles L. Van House, Sr., F.L.M.I., and W. Rogers Hammond, D.B.A., C.P.A.), XXII, 53.

Fundamental Mathematics of Life Insurance (Floyd S. Harper and Lewis C. Workman), XXIII, 627.

Discussion on: Life Insurance Earnings and the Release from Risk Policy Reserve System (Richard G. Horn), XXIII, 404.

Natural Reserve Concept and Life Insurance Earnings (Joe B. Pharr), XXIII, 128.

NONFORFEITURE LAws--Discussion: Critical Look at the Standard Nonfor- feiture and Valuation Laws, XXIV, D281.

NOREN, C. GILBERT--Obituary Notice, XXII, 147. NORMAN, LALANDER S.--Discussion on: Impact of Inflation on the Life Insur-

ance Industry, XXII, D39. NOVEMBER, WILLIAM J.--Discussion on: Agent Compensation, XXIlI,

D185. NUDELMAN, HAROLD M.--Discussion on: Net Cost Comparison of Dissimilar


NUMERICAL ANALYSIS Book Reviews: Short Introduction to Numerical Analysis (M. V. Wilkes),

Reviewed by Frank S. Irish and David G. Hurlbut, XXII, 407. Theory and Problems of Numerical Analysis (Francis Scheid),

Reviewed by Frank S. Irish and David G. Hurlbut, XXII, 407. Discussion on: Numerical Analysis, XXI, D911.

OBITUARY NOTICES Abbott, Eleanor A., XXI, 187. Allstrom, Henry W., XXI, 188. Anderson, William Matheson, XXI, 673 Bishop, George Walter, XXI, 189. Blackadar, Walter Lloyd, XXI, 675. Brown, Walter Clarke, XXII, 65. Cebelius, Herbert E., XXIV, 535. Clair, Joseph J., XXI, 675. Clay, Harold P., XXII, 427. Colquhoun, Frederick Ross, XXII, 66. Copple, James B., Jr., XXI, 189. Crowe, Ernest Watson, XXI, 190. Dasgupta, Hiranya Rumar, XXI, tg0.


Dashwood, John Russell, XXIV, 535. Davis, George H., XXIV, 536. DeSmet, David Lee, XXI, 676. Dougherty, Edward A., XXI, 191. Erway, Richard E., XXIII, 669. Farrier, Rex A., XXI, 192. Fawcett, Walton Baker, XXII, 67. File, Lorne Kenelm, XXI, 677. Ford, Norman Cornell, XXI, 327. Foster, Clark Trumbull, XXIII, 670. Frankland, James Edward, XXI, 192. Frazer, Paul K., XXI, 677. Gagliuso, Frank J., XXI. 678. Gillan, James R., XX1, 192. Griswold, Robert N., XXIII, 83. Grout, Harold Alden, XXIII, 671. Hancock, William F., XXI. 193. Harm, Alfred G., XXII, 67. Haradon, Roland S., XXII, 68. Hondorp, Peter, XXII, 428. Horne, Harold M., XXIII, 84. Hoyt, John T., XXIII, 84. Huntington, Everett C., XXIII, 673. Irwin, Philip Chase, XXI, 679. Jackson, Dennis, XXIV, 5.~7. James, Clyde W., XXI, 680. Johanson, Francis Oscar, XXIII, 85. Johnson, Chandler Burbidge, XXI, 327. Johnson, Leif R., XXII, 68. Johnstone, William Crawford, XXI, 193. Jones, Harry W., XX1, 680. Jones, W. Ralph, XXII, 69. Jordan, Frank Russell, XXII, 428. Kelton, William HenD', XXIV, 5,~7. Kessner, Norman S., XXII, 69. King, Estella Fisher, XXIII, 86. Kinzler, Hen~', XXIII, 67.g. Kirkpatrick, Clair C., XXIII, 86. Lang, Kermit, XXII, 429. Lawrence, Robert K., XXII, 429. Lincoln, John W., XXIIL 87. Lipkind, Saul S., XXIV, 241. Little, Richard, XXII, 70. Lyle, Annie MAD', XXI, 194. Maccabe, Thomas Jones, XXIII, 675. Maclean, Joseph Brotherton, XXII, 430~ Mayerson, Allen Linder, XXIII, 674. McCutcheon, Malcolm Wallace, XXI, 195. McKinney, Gordon D., XXI, 196. Menzler, Frederick August Andrew. XXI, 196. Moore, Arthur J., XXII, 70. Moulton, Charles H. T., XXI, 328. Neumann, Edward M., XXIII, 676. Newcomb, Edward G., XXll, 71. Noren, C. Gilbert, XXII, 147. Penman, William, XXII, 432.


Perlman, Edward, XXII, 433. Peterson, Alan Kolnitz, XXI, 328. Piper, Kenneth B., XXI, 197. Preston, Robert F., XXIV, 241. Rice, Henry I. B., XXIV, 242. Richardson, Robert Arlin, XXIV, 57. Rothschild, Stanford Z., St., XXI, 681. St. John, John B., XXIII, 87. Scott, James, XXIII , 677. Sbailer, Frank A., XXIII, 187. Shannon, Simon, XXI, 198. Shapp, Jonathan Gummersal, XXI, 682. Shepherd, Pearce, XXI, 682. Spiegelman, Mortimer, XXI, 198. Spoerl, Charles Alfred, XXI, 683. Stabler, Robert N., XXIII, 88. Sternbell, Charles M., XXIII , 677. Stewart, Paul W., XXIV, 57. Streeter, Gordon Chase, XXIV, 538. Wagenseller, Larue S., XXIV, 58. Walsh, John Edward, XXIV, 538. White, Robert Edward, XXIV, 59. White, William Kolb, XXII, 71. Wiseman, Robert T., XXII, 148. Woodley, Clifford John, XXIV, 539. Young, Floyd Eugene, XXIV, 540.

OBSERVATIONS ON ACTUARIAL ASPECTS OF THE INSURED VARIABLE AN- NUITY-John Macarchuk, XXI, 529; Discussion, XXI, 539.

OBSERVATIONS ON THE 1970 NATIONAL HEALTH FoRuM--Discussion, XXII, D l l .

OCHSNER, ROBERT C. Discussion on: Actuarial Principles and Practices for Pension Plans,

XXIV, D141. Pension Plan Developments, XXII, D223.

OHMAN, CARL R.--Discussion on: Pension Funding, XXII, D358. OLDS, STANLEY L.--Discussion on: United States Federal Income Tax, XXI,

D424. OLSEN, JAMES J.

Discussion on: Individual Medical Expense Insurance, XXI, D734. Trends in Hospital and Medical Care Utilization, XXI, D654.

OLSON, GARY E. Discussion on: Critical Look at the Standard Nonforfeiture and Valuation

Laws, XXIV, D324. Variable Life Insurance, XXII , D162.

ON THE CREDIBILITY OF GROUP INSURANCE CLAIM EXPERIENCE--Myron H. Margolin, XXIII , 229, 262; Discussion, XXIII, 239.

ORMSBY, CHARLES A. Discussion on: Mortality Trends, XXI, D900.


OUSLEY, ROBERT G.--Discussion on: Equity-oriented Products, XXI, D35. OUTLOOK FOR PUBLIC EMPLOYEE RETIREMENT SYsTEMs--Discussion,

XXIV, D167.


PANEL DISCUSSION: PAST Is PRoLOGUE--Discussion, XXI, D551. PAQUIN, CLAUDE Y.

Discussion on: Cost of Vesting in Private Pension Plans (Charles L. Trow- bridge), XXIV, 426.

Management of Professional Personnel, XXI, D106. PARKS, LEROY B., JR.

Book Review: Institutional Investing (Charles D. Ellis), XXIV, 527. Discussion on: Investment of Assets--the Other Half of the Balance

Sheet, XXIV, D505. Investment Responsibility of the Actuary, XXII, D90. Statistical Studies of Stock Market Behavior, XXII, D523.

PARTICIPATION OF ACTUARIES IN GOVERNMENTAL ADVISORY GROUPS --Dis- cussion, XXII, D503.

PAST AND FUTURE DYNAMICS OF NORTH AMERICAN RETIREMENT SYs- TEMs-Discussion, XXIV, D1.

PATRICK, RODGER R.--Discussion on: Benefit Design, XXIV, D149. PAULEY, BARTON S.--Discussion on: Mortality and Underwriting of

Individual Policies for Large Amounts, XXIII, D494. PAWELKO, ROBERT L.


Adjusted Earnings, XXIII, D347. Consumerism, XXIV, D451. Critical Look at the Standard Nonforfeiture and Valuation Laws,

XXIV, D281. Developments in State Insurance Laws, XXII, D561. Health Services--Public versus Private Financing, XXIII, D261. Insolvency and Solidity Tests, XXIV, D823. Smaller Company Forum, XXIII, D363. Symposium on Adjusted Earnings, XXIII, D405.

PAYNTER, WILLIAM K.--Discussion on: Actuary's Responsibility to His Vari- ous Publics, XXIII, D3.

PEACOR, C. NORMAN Discussion on: Changing Role of the Actuary, XXI, D283.

Net Cost Comparisons, XXII, D715. PEARSON, JOHN S., JR.--Discussion on: United States Federal Income Tax,

XXI, D423. PEGLER, JAMES B. H.

Discussion on: Impact of Inflation on the Life Insurance Industry, XXII, D30.

Investment Responsibility of the Actuary, XXII, D87. Training of Actuarial Students in the United Kingdom, XXII, DS.

PEIRCE, CHARLES A.--Book Review: Retirement Income in the United States: A Case for the Composite System (Committee on Employee Benefits), XXI, 665.

PENDLETON, FRANKLIN D.--Discussion on: What about These Younger Actuaries? XXII, D370.

PENMAN, WILLIAM--Obituary Notice, XXII, 432. PENNINGTON, THOMAS K.--Discussion on: Reserves and Related Problems

for Variable Annuities and Cost-of-Living Benefits, XXI, D756. PENSION BENEFIT SECURITY BILL--Discussion, XXI, D567. PENSION DEVELOPMENTS--Discussion, XXIII, D99, D293.


PENSION FUNDING--Discussion, XXII, D358. PENSION PLAN DEVELOPMENTS--Discussion, XXII, D191. PENSION PLANS

Book Reviews: Analysis of the Cost of Vesting in Pension Plans (Howard Winklevoss), Reviewed by Paul H. Jackson, XXIV, 501.

Benefit Plans in Junior Colleges (Francis P. King), Reviewed by Richard G. Schreitmueller, XXIII, 655.

Early Retirement Programs (Mitchell Myer and Harland Fox), Reviewed by Paul H. Jackson, XXIV, 50.

Fundamentals of Pension Mathematics (Barnet N. Berin), Reviewed by Paul H. Jackson, XXIV, 43.

Guaranty Fund for Private Pension Obligations (Dan M. McGill), Reviewed by Richard V. Minck, XXIII, 65.

Measuring Investment Performance of Pension Funds for Purpose of Interfund Comparison (Cohen, Dean, Durand, Fama, Fisher, Lorie, and Shapiro), Reviewed by Paul H. Jackson, XXI, 169.

Pensions and Severance Pay for Displaced Defense Workers (Hugh Folk and Paul HartmanL Reviewed by Paul H. Jackson, XXIII, 652.

Private Pension Scheme Finance (Sylvia and Leslie Tutt), Reviewed by Paul H. Jackson, XXIII, 660.

Protecting Purchasing Power in Retirement: A Study of Public Employee Retirement Systems (John P. Mackin), Reviewed by Paul H. Jackson, XXIV, 503.

Railroad Retirement System: Its Coming Crisis (Report of the Commis- sion), Reviewed by Abraham M. Niessen, XXIV, 520.

Status of Funding under Private Pension Plans (Frank L. Griffin, Jr., and Charles L. Trowbridge), Reviewed by Preston C. Bassett and A. Charles Howell, XXI, 629.

Vesting and Termination Provision in Private Pension Plans (Carl H. Fischer), Reviewed by Henry N. Winslow, XXlII , 54.

Discussion on: Actuarial Principles and Practices for Pension Plans, XXIV, D45, D121, D385.

Alternatives for Pension Legislation, XXIV, D21. Asset Management, XXlV, D61. Benefit Design, XXlV, D145. Current Topics in Individual Policy Pension Plans, XXIV, D83. Final-Pay Pension Plans, XXI, D289. Government Regulation of Group Insurance and Group Pensions,

XXlV, D695. Long-Range Viability and Regulation of Corporate Pension Plans,

XXIII, D531. New Economic Policy--Impact of Phase 2 on Pension Plans, XXIV,

DIO1. New Investment Measures for Pension Funds, XXlV, D643. Outlook for Public Employee Retirement Systems, XXIV, D167. Past and Future Dynamics of North American Retirement Systems,

XXIV, D1. Pension Funding, XXII, D358. Pension Plan Developments, XXII, D191. Pension Plans in Perspective, XXIV, D573. State, Provincial, and Municipal Employee Pension Plans--Financing

and Other Problems, XXlII, D465. Papers: Cost of Vesting in Private Pension Plans (Charles L. Trowbridge),

XXIV, 397.


Estimating the Cost of Vesting in Pension Plans (Howard E. Win- klevoss and Arnold F. Shapiro), XXIV, 373.



PENSION PLANS IN PERSPECTIVE--Discussion, XXIV, D573. PERDUE, JACK B.--Discussion on: Equity-oriented Products, XXI, D41. PERLMAN, EDWaRD--Obituary Notice, XXII, 433. PERROTT, GODFREY J. A. --Discussion on: Profit Squeeze for Individual Insur-

ance, XXIII, D318. PERRY, ROBERT C.--Discussion on: Actuarial Reporting for Management,

XXII, D599. PERSONAL SECURITY IN THE 1970's--UNITED STATES AND CANADA--Dis-

Cussion, XXII, D329. PERSONNEL--See Management. PESTAL, CHARLES F.--Discussion on: Variable Life Insurance, XXII, D160. PETERS, FRANKLIN E.--Book Review: Accidents and Homicide (Albert P.

Islsant and Paul V. Joliet), XXII, 54. PETERSON, ALAN KoLNITz--Obituary Notice, XXI, 328. PETERSON, DONALD M.--Discussion on: Profit and Other Objectives in Group

Operations, XXI, D804. PETERSON, R. M.--Book Review: Social Security (Joseph A. Pechman,

Henry J. Aaron, and Michael K. Taussig), XXI, 155. PETERSON, RICHARD P.--Discussion on: Computer Models and Simulation,

XXI, D456. PETTENGILL, DANIEL W.

Book Reviews: Medical Care at Public Expense (Mark V, Pauly), XXIII, 641.

Rising Cost of Hospital Care (Martin S, Feldstein), XXIV, 47. Discussion on: Current Developments in Group Life and Health Insur-

ance, XXIV, D331. Health Insurance and Health Care, XXIV, D555. Health Insurance in the United States, XXIII, D665.

PHARR, JOE B. Discussion on: Adjusted Earnings, XXIII, D345.

Corporate Models and Corporate Planning, XXIV, D621. Symposium on Adjusted Earnings, XXIII, D411. Variable Life Insurance, XXIII, D279.

Papers: Natural Reserve Concept and Life Insurance Earnings, XXIII, 93, 138.

Schedule for Amortization of Acquisition Costs versus Amortization of Acquisition Costs by Use of Natural Reserve Factors, XXIV, 25, 216.

PHILLIPS, ROBERT C.--Discussion on: Asset Management, XXIV, D66. PICKER1NG, JOSEPH R.--Discussion on: Deferred Tax Considerations, XXIII,

D435. PIKE, ALBERT, JR.


Legislative Developments of Interest to Actuaries, XXII, D7. Variable Insurance Products, XXI, D637.


PIKE, MORRIS--Book Review: Insurance, Government and Social Policy: Studies in Insurance Regzdation (Spencer L. Kimball and Herbert S. Denenberg, eds.), XXI, 639.

PILGRIM, JAMES W.--Discussion on: Mortality and Underwriting of Individual Policies for Large Amounts, XXIII, D498.

PINCZKOWSKI, RAYMOND E., ,JR.--Discussion on: Pension Developments, XXIII, D120.

PIPER, KENNETH B.--Obituary Notice, XXI, 197. PLUMLEY, PETER W.

Discussion on: Alternate Route, XXII, D482; XXIII, D281. Education and Examination of Actuaries, XXII, D644.

PODREBARAC, FRANK W.--Discussion on: Consumerism, XXIV, D471. PORTER, EUGENE F.

Discussion on: Computer Models and Simulation, XXI, D450. Role of the Actuary in Expense Control, XXII, D459.

PORTO, EDWARD J.--Book Review: Automobile Insurance: A Long-Range View (Sajjad A. Hashmi), XXIV, 526.

POSITION STATEMENT--Robert J. Myers, XXII, D313. POSNAR, ROBERT L.--Discussion on: Symposium on Adjusted Earnings,

XXIII, D383. POWELL, ROBERT N.

Discussion on: Equity-oriented Products, XXI, D161. Natural Reserve Concept and Life Insurance Earnings (Joe B. Pharr),

XXIII, 137. POZNANSKI, GEORGE W.--Discussion on: Actuarial Principles and Practices

for Pension Plans, XXIV, D136. PREMIUMS--Paper: Gross Premiums for Term Insurance with Varying

Benefits and Premiums (Richard W. Ziock), XXII, 19. PRESIDENTIAL ADDRESS

Edwin B. Lancaster, XXIII, 197. Wendell A. Milliman, XXI, 335. Ernest J. Moorhead, XXII, 155. Myers, Robert J., XXIV, 253.

PRESTON, ROBERT F.--Obituary Notice, XXIV, 241. PRICING

Discussion on: Profit Squeeze for Individual Insurance, XXIII, D305. Paper: Expected Profit Formulas (James L. Lewis, Jr.), XXIII, 325.

PRIEN, BARTHUS J.--Discussion on: Pension Developments, XXIII, D303. PRODUCT DEVELOPMENT--Discussion on: Life Insurance Product Develop-

ment, XXIV, D249. PROFESSION AND THE LIFE INSURANCE BUYER--Discussion, XXIV, D753. PROFIT AND OTHER OBJECTIVES IN GROUP OPERATIONS--Discussion, XXI,

D791. PROFIT SQUEEZE FOR INDIVIDUAL INSURANCE--Discussion, XXIII, D127,

D305. PROFITABILITY--Discussion on: Fulfilling Stockholders' Objectives, XXIV,

D215. PROJECTIONS OF VARIABLE LIFE INSURANCE OPERATIONS--Paul Markham

Kahn, XXIII, 335, 365; Discussion, XXIII, 355. PROJECTOR, MURRAY--Discussion on: Benefit Design, XXIV, D161.


PROMISLOW, S. DAviD--Discussion on: Logical Approach to Population Prob- lems (Robert W. Batten), XXI, 295.

PROPOSED CIqANGES IN AUTOMOBILE LIABILITY INSURANCE--Discussion, XXI, D311.

PURDY, JAMES L.--Discussion on: Trends in Hospital and Medical Care Utili- zation, XXI, D657.

PURNELL, HARRY S.--Discussion on: Cost of Vesting in Private Pension Plans (Charles L. Trowbridge), XXIV, 412.

RABENAU, PHILIP A.--Discussion on: Observations on Actuarial Aspects of the Insured Variable Annuity (John Macarchuk), XXI, 544.

RABINOWITZ, BERNARD--Discussion on: Interest Rate Assumption and the Maturity Structure of the Assets of a Life Insurance Company (Irwin T. Vanderhoof), XXIV, 196.

RAEL, JUAN B., JR.--Discussion on: Pension Developments, XXIII, D293. RAMSEY, HENRY B., JR.

Discussion on: Adjusted Earnings, XXIII, D152; XXIV, D729. Taxation of Variable Annuities and Mutual Funds, XXI, D881.

RANDALL, ROBERT J. Discussion on: Analysis of Basic Actuarial Theory for Fixed Premium


Social and Economic Role of the Actuary, XXII, D670. RANKIN, GERALD J.--Discussion on: Algorithm for Computing Expected

Stop-Loss Claims under a Group Life Contract (John A. Mereu), XXIV, 336.

RAPPAPORT, ANNA M. Discussion on: Agent Compensation, XXIII, D171.

Changing Role of the Actuary, XXI, D273. Comments on Proposed Amendment to the Constitution to Permit Pub-

lic Expression of Professional Opinion, XXII, 443. Consumerism, XXIV, D437. Continuing Education--Discussion of Trowbridge Report, XXII,

D283. Critical Look at the Standard Nonforfeiture and Valuation Laws,

XXIV, D296. Individual Medical Expense Insurance, XXI, D735. Life Insurance Based on the Consumer Price Index (John M. Bragg

and David A. Stonecipher), XXII, 367. Marketing Trends--Smaller Companies, XXI, D365. Mortality Trends, XXI, D902. Projections of Variable Life Insurance Operations (Paul Markham

Kahn), XXIII, 361. Variable Life Insurance, XXIII, D83. What about These Younger Actuaries? XXII, D371.

RATHGEBER, FREDRICK E. Discussion on: Continuing Education of the Actuary, XXII, D315.


Elections by Mail, XXIII, D46. Health Insurance in the United States, XXIII, D663.

RAYMOND, DAVID H.--Discussion on: Consumerism, XXIV, D687.


RECENT DEVELOPMENTS ON CONTINUING EDUCATION--John M. Bragg, XXII, D473.

RECENT DEVELOPMENTS IN SOCIAL SECURITY IN THE UNITED STATES --Discussion, XXI, D1.

RECENT LEGISLATIVE DEVELOPMENTS--Discussion, XXII, D1, D309. RECENT MORTALITY UNDER INDIVIDUAL IMMEDIATE ANNUI-

TIEs-Discussion, XXI, D547. RECRUITING--See Management. REED, OWEN A.--Discussion on: Computer Models and Simulation, XXI,

Dl16. REID, DONALD H.

Discussion on: Past and Future Dynamics of North American Retirement Systems, XXIV, D17.

Profit and Other Objectives in Group Operations, XXI, D815. Trends in Employee Benefit Plans, XXII, D606.

REINSURANCE--Discussion on: Utility Theory, XXI, D331 REISKYTL, JAMES F.--Discussion on: United States Federal Income Tax,

XXI, D417. REPORT ON FORTHCOMING SEQUEL TO THE 1966--67 FUTURE OUTLOOK

STUDY OF THE INSTITUTE OF LIFE INSURANcE--Ernest J. Moorhead, XXIV, 65; Discussion, XXIV, 76.

REPORT ON JOINT ACTUARIAL COMMITTEE MEETING--Discussion, XXli, DDll.

RESERVE BASIS FOR GUARANTEED BENEFITS UNDER VARIABLE ANNUITY CONTRACTS--Herbert W. Hickman, XXII, 191; Discussion, XXII, 211.

RESERVES FOR LIVES DISABLED UNDER GROUP INSURANCE EXTENDED DEATH BENEFIT PROVISIONS OF THE PREMIUM-WAIVER TYPE --Raymond B. Krieger, XXlII, 419.

RESERVES AND RELATED PROBLEMS FOR VARIABLE ANNUITIES AND COST- oF-LIVING BENEFITS--Discussion, XXI, D745.

RESERVES AND SURPLUS Papers: Analysis of Contributions to Surplus (Robert H. Jordan), XXI,

81. Natural Reserve Concept and Life Insurance Earnings (Joe B. Pharr),

XXIII, 93. New Approach to the Calculation of Active Life Disability Reserves

(Mel Stein), XXII, 1. RESPONSES TO THE AICPA DRAFT--Discussion, XXlII , D413. RETIREMENT-AGE DILEMMA--Discussion, XXII, D567. RETURN OF PREMIUM BENEFIT IN HEALTH INSURANCE--E. Paul Barnhart,

XXlI, 235; Discussion, XXlI , 273. RETURN ON STOCKHOLDER EQUITY--Thomas P. Bowles, Jr., XXI, 9, 274;

Discussion, XXI, 241. REVISED TABLES FOR MAJOR MEDICAL BENEFITS--E. Paul Barnhart, XXI,

21. REYNOLDS, FRANK G.--Discussion on: Numerical Analysis, XXI, D926. REYNOLDS, GEORGE A.--Discussion on: Life Insurance Earnings and the

Release from Risk Policy Reserve System (Richard G. Horn), XXlII, 412.


RICE, FRANK H.--Discussion on: Elections by Mail, XXlII, D243. RICE, HENRY I. B.--Obituar3' Notice, XXIV, 242. RICHARDS, ALAN

Discussion on: Annual Statement Accounting, XXI, D707. Deferred Tax Considerations, XXIII, D427.

RICHARDSON, CHARLES F. B. Discussion on: Actuarial Principles and Practices for Pension Plans,

XXIV, D128. Merger of Mutual Life Insurance Companies (Howard H. Kayton and

Robert C. Tookey), XXIV, 302. Role of the Actuary in Expense Control, XXlI, D128.

RICHARDSON, ROBERT ARLIN--Obituary Notice, XXIV, 57. RICHMOND, GERALD--Discussion on: New Look at Gain and Loss Analysis

(Arthur W. Anderson), XXIII, 161. RICHTER, ANTHONY B.--Discussion on: Current Developments in Group Life

and Health Insurance, XXIV, D344. RICKARDS, CHARLES E.--Discussion on: Mortality Trends, XXI, D897. RIESE, WALTER--Discussion on: Mortality and Remarriage Experience for

Widow Beneficiaries under OASDI (Francisco Bayo}, XXI, 303. RIETZ, H. LEwis--Discussion on: Impact of Inflation on the Life Insurance

Industry, XXII, D19. RILEY, C. RONALD

Discussion on: Deferred and Incentive Compensation, XXI, D699. Education and Examination of Actuaries, XXII, D661. Management of Professional Personnel, XXI, D92. Social and Economic Role of the ActuaD-, XXII, D674.

RILEY, JOHN W., JR.--Discussion on: Forecasting the Environment for Busi- ness, XXIII, D580.

RIPPS, JAY C.--Discussion on: Pension Plan Developments, XXII, D210. RISK THEORY

Book Reviews: Economics of Uncertainty (Karl H. Botch), Reviewed by Paul Markham Kahn, XXI, 654.

Mathematical Methods in Risk Theory (Hans B(ihlmann), Reviewed by Paul Markham Kahn, XXIII, 58.

Prognosis~Clinical Factors in Risk Appraisal (Thomas A. Keith III, M.D.), Reviewed by Frank A. Warner, M.D., XXII, 55.

Review of the Collective Theory of Risk (Carl Philipson), Reviewed by Paul Markham Kahn, XXI, 654.

Risk Theory (R. E. Beard, T. Pentikiiinen, and E. Pesonen), Reviewed by Paul Markham Kahn, XXI, 654.

Stochastic Theory of a Risk Business (Hilary L. Seal), Reviewed by Paul Markham Kahn, XXI, 654.

Papers: Application of Simulated Stock Market Trends to Investigate a Ruin Problem (Frank P. DiPaolo), XXI, 549.


Ruin Function Approximation (John A. B~ekman), XXI, 41. Simulation of Ruin Potential of Nonlife Insurance Companies {Hilary

L. Seal), XXI, 563. ROBBINS, EDWARD L.--Discussion on: Return on Stockholder Equity

(Thomas P. Bowles, Jr.), XXI, 258. ROBERTS, HENRY R.--Discussion on: Diversification of Life Companies to

Financial Services, XXI, D854.


ROBERTSON, RICHARD S. Discussion on: Adjusted Earnings, XXIII, D347; XXIV, D752.

Interest Rate Assumption and the Maturity Structure of the Assets of a Life Insurance Company (Irwin T. Vanderhoof), XXIV, 193.

Profit Squeeze for Individual Insurance, XXIII, D308. ROBERTSON, STUART A.


Adjusted Earnings for Life Companies, XXII, D341. Return on Stockholder Equity (Thomas P. Bowles, Jr.), XXI, 260.

ROBINSON, ALEx--Discussion on: Consumerism, XXIV, D476. ROBY, ALLAN B., JR.

Discussion on: Cash-Flow Problems, XXII, D719. Investment Responsibility of the Actuary, XXII, D99.

ROCCAS, GEORGE J.--Discussion on: Changing Role of the Actuary, XXI, D282.

RODDIS, RICHARD S. L . - -D i scuss ion on: Actuary's Responsibility to His Vari- ous Publics, XXIII, D207.

RODOLFO, MA. ROSARIO S.--Discussion on: United States Federal Income Tax, XXI, D425.

ROENISCH, DAVIS H.--Discussion on: Final-Pay Pension Plans, XXI, D538. ROESER, KIRK--Discussion on: Consumerism, XXIV, D691. ROHDA, RODNEY R.

Discussion on: Variable Life Insurance, XXIII, D272. Paper with James J. Murphy: Variable Life Insurance Viewed via the

"Additions" Concept, XXII, 377. ROLE OF THE ACTUARY IN COLLECTIVE BARGAINING--Discussion, XXIII,

D647. ROLE OF THE ACTUARY IN EXPENSE CONTROL--Discussion, XXII, Dl13,

D453. ROLLAND, ].AN M.

Discussion on: Equity-oriented Products, XXI, D465. Life Insurance Product Development, XXIV, D252.

RooD, HENRY F.--Discussion on: Effects of Inflation on Underwriting, XXII, D260.

ROSENBLOOM, SAMUEL--Book Review: Federal Estate and Gift Taxes Explained (Commerce Clearing House), XXI, 657.

Ross, JAMES B.--Discussion on: Equity-oriented Products, XXI, D468. ROSSER, HARWOOD

Book Review: Introductory Numerical Analysis (Anthony J. Pettofrezzo), XXII, 408.

Discussion on: Education and Examination of Actuaries, XXII, D657. Life Insurance Earnings and the Release from Risk Policy Reserve

System (Richard G. Horn), XXIII, 410. Numerical Analysis, XXI, D925.

ROTH, LEWIS P.--Discussion on: Variable Life Insurance, XXII, D181. ROTHSCHILD, STANFORD Z., SR.--Obituary Notice, XXI, 681. ROTTER, P.~UL T.

Discussion on: Alternate Route, XXII, D477; XXIII, D281. Management of Professional Personnel, XXI, D81.

RUBEL, EUGENE J.--Discussion on: Health Insurance in Transition, XXIV, D186.


RECK, HAROLD E.--Discussion on: Marketing Trends--Smaller Companies, XXI, D373.

RUDD, D'ALTON S. Discussion on: Actuarial Principles and Practices for Pension Plans,

XXIV, D402. Analysis of Basic Actuarial Theory for Fixed Premium Variable Benefit


Life Insurance Product Development, XXIV, D275. Pension Funding, XXII, D359. Variable Life Insurance, XXII, D396.

RUGLAND, WALTER L.--Discussion on: Adjusted Earnings, XXIII, D162. RUGLAND, WALTER S.

Discussion on: Agent Compensation, XXIII, D187. Consumerism, XXIV, D453. Insurance Distribution and Marketing Systems, XXI, D677. Life Insurance Product Development, XXIV, D254. Net Cost Comparisons, XXII, D717. Panel Discussion: Past Is Prologue, XXI, D557. What about These Younger Actuaries? XXII, D369.

RUIN FUNCTION--See Risk Theory. RUIN FUNCTION APPROXIMATION--John A. Beekman, XXI, 41, 277; Discus-

sion, XXI, 275. RUMBALL, DONALD m.--Discussion on: Management of Professional Person-

nel, XXI, D98. RYALL, PETER L. J.

Discussion on: Life Insurance Net Cost Comparisons, XXI, D207. Net Cost Comparison of Dissimilar Life Insurance Contracts: The Stan-

dard Mortality Cost Method (J. Stanley Hill), XXIII, 312. Net Cost Comparisons, XXII, D704.

Papers: Fast, More Meaningful Twenty-Year Net Cost Formula, XXI, 101, 325.

Twenty-Year Policyholder Cost Comparisons among Ordinary Insur- ance Plans, XXI, 119.

RYAN, JOHN F.--Discussion on: Actuarial Reporting to Management, XXIII, D21.

RYRIE, GEORGE Discussion on: Management of Professional Personnel, XXI, D81.

Mutual Life Insurance Companies--Their Objectives and Operating Philosophy, XXIII, D462.

SAFFEIR, HARVEY J.--Discussion on: Health Care Delivery. in the 1970's, XXII, D73.

ST. JOHN, JOHN B.--Obituary Notice, XXIII, 87. SANDERS, DOUGLAS O., JR.

Discussion on: Models and Decision Techniques, XXII, D451. Return of Premium Benefit in Health Insurance (E. Paul Barnhart),

XXII, 298. SARASON, HARRY M.--Discussion on: Adjusted Earnings, XXIII, D155. SCHALLER-KELLY, CHARLES V.

Book Review: Demography of Tropical Africa (William Brass et al.), XXII, 413.


Discussion on: Alternatives for Pension Legislation, XXIV, D27. Continuing Education--Discussion of Trowbridge Report, XXII,

D283. Pension Benefit Security Bill, XXI, D589. Pension Plan Developments, XXII, D208. Topics for Consulting Actuaries, XXI, D783.

SCHEDULE FOR AMORTIZATION OF ACQUISITION COSTS VERSUS AMOR- TIZATION OF ACQUISITION COSTS BY USE OF NATURAL RESERVE FACTORS--Joe B. Pharr, XXIV, 25, 216; Discussion, XXIV, 215.

SCHEIN, VIRGINIA ELLEN--Discussion on: Changing Modes of Family Life, XXIII, D627.

SCHER, EDWARD Book Review: Variable Life Insurance: Current Issues and Developments

(Douglas G. Olson and Howard E. Winklevoss), XXIV, 45. Discussion on: Variable Life Technical Problems, XXIV, D766. Paper: New York Life Variable Life Insurance Design on a Daily Basis,

XXIII, 367, 387. SCHMIDT, WILLIAM H.--Discussion on: Corporate Planning, XXI, D893. SCHNAER, WILLIAM J.--Discussion on: Consumerism, XXIV, D467. SCHNELLE, CHARLES S.--Discussion on: Management of Professional Person-

nel, XXI, D87. SCHONENBERG, FRED--Discussion on: Underwriting the Catastrophe Acci-

dent Hazard, XXIV, D423. SCHREINER, WILLIAM J.

Discussion on: Empirical Approach to Determination of Credibility Fac- tors (Ralph D. Maguire), XXI, 224.

On the Credibility of Group Insurance Claim Experience (Myron H. Margolin), XXIII, 251.

SCHREITMUELLER, RICHARD G. Book Reviews: Benefit Plans in American Colleges (William C.

Greenough and Francis P. King), XXI, 664. Benefit Plans in Junior Colleges (Francis P. King), XXIII, 655.

SCHWARTZ, JESSE M.--Discussion on: What about These Younger Actuaries? XXII, D377.

SCHWARTZ, JONATHAN Discussion on: Numerical Analysis, XXI, D926.


SCHWARZ, JOSEPH A.--Discussion on: Analysis of Contributions to Surplus (Robert H. Jordan), XXI, 307.

SCOTT, DAVID G. Discussion on: Diversification of Life Companies to Financial Services,

XXI, D866. Mergers, Acquisitions, and Valuation of Stockholder Equity, XXI,

D493. SCOTT, JAMEs--Obituary Notice, XXlII, 677. SCOTT, SANFORD W., JR.--Discussion on: Corporate Diversification: Experi-

ence in the United States and Canada, XXIV, D593. SCOTT, WILSON U.

Discussion on: Variable Life Insurance Viewed via the "Additions" Con-


cept (James J. Murphy and Rodney R. Rohda), XXII, 381. Variable Life Technical Problems, XXIV, D765.

SEAL, HILARY L.--Paper: Simulation of Ruin Potential of Nonlife Insurance Companies, XXI, 563.

SEE, GARY N.--Discussion on: Logical Approach to Population Problems (Robert W. Batten), XXI, 297.

SEGAL, DONALD J.--Discussion on: Management of Professional Personnel, XXI, D93.

SELIG, JOHN G.--Discussion on: Impact of Inflation on the Life Insurance Industry., XXII, D31.

SELLERS, RICHARD M.--Discussion on: Mergers, Acquisitions, and Valua- tion of Stockholder Equity, XXI, D231.

SELTZER, FREDERIC Book Review: Demography (P. R. Cox), XXIII, 630. Discussion on: Sources of Statistical Information for Actuaries, XXII,

D386. SHAILER, FUNK A.--Obituary Notice, XXIII, 187. SHANNON, A. GuY, JR.--Discussion on: Pension Developments, XXIII,

D104. SHANNON, SIMoN--Obituary Notice, XXI, 198. SHAPIRO, ARNOLD F.


Paper with Howard E. Winklevoss: Estimating the Cost of Vesting in Pension Plans, XXIV, 373.

SHARP, JONATHAN GUMMERSAL--Obituary Notice, XXI, b82. SHELLARD, GORDON D.

Discussion on: Asset Value Guarantees under Equity-based Products (Samuel H. Turner), XXI, 485.

Underwriting the Catastrophe Accident Hazard, XXIV, D427. SHEMIN, BARRY L.

Discussion on: Inves tment Responsibility of the Actuary, XXII, DI01. Pension Funding, XXII, D358.

SHEPHERD, PEARCE Discussion on: Changing Role of the Actuary, XXI, D272. Obituary Notice, XXI, 682.

SHIMA, RICHARD J.--Discussion on: United States Federal Income Tax, XXI, D429.

SHUR, WALTER Discussion on: Adjusted Earnings, XXIII, D350.


On the Credibility of Group Insurance Claim Experience (Myron H. Margolin), XXIII, 240.

Social Security Legislative Developments, XXII, D681. Trends in Employee Benefit Plans, XXII, D617.

SIBIGTROTH, JOSEPH C. Discussion on: Individual Medical Expense Insurance, XXI, D731.

Mortality Trends, XXI, D907. Mortality and Underwriting of Individual Policies for Large Amounts,

XXIII, D491.


SIEGEL, CONRAD M. Discussion on: Investment Responsibility of the Actuary, XXII, D89. State, Provincial, and Municipal Employee Pension Plans--Financing

and Other Problems, XXIII, D471. Topics for Consulting Actuaries, XXI, D771.

SIEGFRIED, CHARLES A. Discussion on: Health Services--Phblic versus Private Financing, XXIII,

D49. Participation of Actuaries in Governmental Advisory Groups, XXII,

D503. S1LLESKY, J. DARRISON

Book Review: Life Insurance Theory and Practice (Robert I. Mehr), XXII, 419.

Discussion on: Elections by Mail, XXlII, D41. Past and Future Dynamics of North American Retirement Systems,

XXIV, D1. Pension Benefit Security Bill, XXI, D574.

SILLETTO, C. DAVID--Discussion on: Fulfilling Stockholders' Objectives, XXIV, D231.

SILVA, GERALD S.--Discussion on: Statistical Studies of Stock Market Behavior, XXII, D543.

SIMULATION OF RUiN POTENTIAL OF NONLIFE INSURANCE COM- PANIES--Hilary L. Seal, XXI, 563; Discussion, XXI, 587.

SKINNER, JEFFREY S.--Discussion on: Agent Compensation, XXIII, D356. SLOAN, THOMAS D.--Discussion on: Investment Responsibility of the

Actuar?', XXII, D95. SLOAT, FREDERICK P.

Discussion on: New Look at the Frequency of Pension Plan Actuarial Valuations (Nell R. Cronquist and William A. Dreher), XXIV, 143.

Topics for Consulting Actuaries, XXI, D783. SMALL COMPANIES--Discussion on: Marketing Trends--Smaller Companies,

XXI, D365.

SMALLER COMPANY FoRuM--Discussion, XXIII, D189, D361. SMITH, ALEXANDER J. C,--Discussion on: Role of the Actuary. in Collective

Bargaining, XXlII , D659. SMITH, COURTLAND C.

Discussion on: Algorithm for Computing Expected Stop-Loss Claims under a Group Life Contract (John A. Mereu), XXIV, 344.

Underwriting the Catastrophe Accident Hazard, XXIV, D425. SMITH, F. EUGENE--Discussion on: Actuarial Principles and Practices for

Pension Plans, XXIV, D56. SMITH, FRANKLIN C.--Discussion on: Actuary's Responsibility to His Various

Publics, XXIII, D212. SMITH, J. HENRY

Discussion on: Mutual Life Insurance Companies--Their Objectives and Operating Philosophy, XXIII, D445.

Participation of Actuaries in Governmental AdvisoR' Groups, XXII, D508.

SMITH, JAMES P.--Discussion on: Current Developments in Group Life and Health Insurance, XXIV, D355.

SMITH, KARL U.--Discussion on: Retirement-Age Dilemma, XXII, D581.


SMITH, RUSSELL H., JR.--Discussion on: Social and Economic Role of the Actuary, XXII, D673.

SMITH, STEVEN A.--Discussion on: Marketing/Agency Supervision, XXIV, D846.

SOCIAL AND ECONOMIC ROLE OF THE ACTUARY--Discussion, XXII, D663. SOCIAL SECURITY

Book Reviews: Eleventh Actuarial Valuation of the Assets and Liabilities under the Railroad Retirement Acts as of December 31, 1068, with Technical Supplement, Reviewed by Jerome Stein, XXIII, 645.

Princeton Symposium on the American System of Social Insurance: Its Philosophy, Impact, and Future Development, Reviewed by Reinhard A. Hohaus, XXI, 635.

Public Attitudes toward Social Security (Advisory Council on Social Security), Reviewed by R. M. Peterson, XXI, 155.

Discussion on: Recent Developments in Social Security in the United States, XXI, D1.

Social Security Legislative Developments, XXII, D681. SOCIAL SECURITY AND EMPLOYEE BENEFITS IN WESTERN EUROPE--Discus-

sion, XXI, D713. SOCIAL SECURITY LEGISLATIVE DEVELOPMENTS--Discussion, XXII, D681. SOCIETY OF ACTUARIES

Discussion on: Elections by Mail, XXIII, D235. Farewell Address of Charles B. H. Watson, XXIV, 551. Financial Reports, XXI, 623; XXII, 393; XXIII, 623; XXIV, 497. Meetings

Earlier Regional Spring, April 21 and 22, 1969, New York, XXI, 201.

Earlier Regional Spring, May 1 and 2, 1969, Atlanta, XXI, 207. Later Regional, June 5 and 6, 1969, St. Louis, XXI, 331. Annual, November 17, 18, and 19, 1969, Boston, XXI, 685. Earlier Regional Spring, April 2 and 3, 1970, Houston, XXII, 73. Earlier Regional Spring, April 16 and 17, 1970, Hartford, XXII, 77. Later Regional, June 4 and 5, 1970, Chicago, XXII, 149. Annual, November 9, 10, and 11, 1970, Denver, XXII, 155. Earlier Regional Spring, April 5 and 6, 1971, New York, XXIII, 89. Later Regional, May 27 and 28, 1971, Seattle, XXIII, 189. Later Regional, June 3 and 4, 1971, Des Moines, XXIII, 193. Annual, November 8, 9, and 10, 1971, Toronto, XXIII, 679. Earlier Regional Spring, March 20 and 21, 1972, New Orleans, XXIV,

61. Later Regional, May 15, and 16, 1972, Atlantic City, XXIV, 243. Later Regional, June 1 and 2, 1972, Chicago, XXIV, 247. Annual, October 23, 24, and 25, 1972, Bal Harbour, XXIV, 541.

Paper: Society of Actuaries--Its First Twenty Years (Victor E. Henning- sen), XXI, 591.

Presidential Address: Edwin B. Lancaster, XXIII, 197. Wendell A. Milliman, XXI, 335. Ernest J. Moorhead, XXII, 155. Robert J. Myers, XXIV, 253.

SOCIETY OF ACTUARIES--ITS FIRST TWENTY YEARS--Victor E. Henningsen, XXI, 591.

SOME IMPLICATIONS OF CURRENT DEMOGRAPHIC TRENDS--Nathan Keyfitz, XXIII, 2O3.


SOME OBSERVATIONS ON THE NATURE OF THE RISK OF DISABILITY, ITS MEASUREMENT AND CONTROL--John H. Miller and Simon Cou- rant, XXIV, 349, 371; Discussion, XXIV, 369.

SOURCES OF STATISTICAL INFORMATION FOR ACTUARIES--Discussion, XXII, D383.

SPARE, WILLIAM A. Discussion on: Continuing Education--Discussion of Trowbridge Report,

XXII, D289. Role of the Actuary in Expense Control, XXII, D130.

SPIEGELMAN, MoRTIMER--Obituary Notice, XXI, 198. SPOERL, CHARLES ALFRED--Obituary Notice, XXI, 683. SPOONER, F. ALLEN--Discussion on: Utility Theory, XXI, D361. STABLER, ROBERT N.--Obituary Notice, XXIII, 88. STALEY, HARLOW B.

Discussion on: Alternate Route, XXIII, D287. Responses to the AICPA Draft, XXIII, D425. Statistical Studies of Stock Market Behavior, XXII, D543.

STANLEY, NEAL N.--Discussion on: Insolvency and Solidity Tests, XXIV, D818.

STATE, PROVINCIAL, AND MUNICIPAL EMPLOYEE PENSION PLANS--FINANC- ING AND OTHER PROBLEMS--Discussion, XXIII, D465.

STATE OF SOCIETY TODAV--Gathings Stewart, XXII, D475. STATISTICAL STUDIES OF STOCK MARKET BEHAVIOR--Discussion, XXII,

D523. STATISTICS

Book Reviews: Analysis of Mortality and Other Actuarial Statistics (B. Benjamin and

H. W. Haycocks), Reviewed by Daniel J. McCarthy, Jr., XXIII, 49.

Industrial Safety Statistics: A Re-examination (Jerome B. Gordon, Allan Akman, and Michael L. Brooks), Reviewed by D. J. Van Keuren, XXIII, 651.

Introduction to Stochastic Processes in Biostatistics (Chin Long Chiang), Reviewed by James C. Hickman, XXI, 174.

Nouvelles tables---types de mortalit~ (Sully Ledermann), Reviewed by John A. Beckman, XXIII, 647.

"Table of Expected Working Life for Men, 1968," Monthly Labor Review (Howard W. Fullerton), Reviewed by Abraham M. Niessen, XXIII, 648.

Discussion on: Sources of Statistical Information for Actuaries, XXII, D383.

Papers: Group Annuity Mortality Table--1971 (Harold R. Greenlee, Jr., and Alfonso D. Keh), XXIII, 569.

Individual Annuity Mortality Table--1971 (Harold Cherry), XXIII, 475.

STAUB, E. BRIAN--Discussion on: Liabilities and Surplus in the 1970's, XXIII, D610.

STEEDS, ARTHUR J.--Discussion on: Future of the Profession, XXIV, D815. STEFFEN, WALTER W.

Discussion on: Actuarial Reporting for Management, XXII, D598. Actuary's Responsibility to His Various Publics, XXIII, D3. Life Insurance Operations Overseas--Problems and Opportunities,

XXI, D825.


Management of Professional Personnel, XXI, D439. Marketing Expense--Those Items Not Directly Allocable: Allocation

and Control of Multiline Marketing Systems, XXIV, D711. Sources of Statistical Information for Actuaries, XXII, D383.

STEIN, JEROME M. Book Reviews: Delivery of Medical Care (Sydney R. Garfield), XXII,

412. Eleventh Actuarial Valuation of the Assets and Liabilities under the

Railroad Retirement Acts as of December 31, I¢68, with Technical Supplement, XXIII , 645.

Medical Care Review (Bureau of Public Health Economics, School of Public Health, University of Michigan), XXII, 59.

Medicare (Robert J. Myers), XXII, 401. Trends and Variations in Fertility in the United States (Clyde V. Kiser,

Wilson H. Grabill, and Arthur A. Campbell), XXIII, 654. STEIN, MEL

Discussion on: Analysis of Basic Actuarial Theory. for Fixed Premium Variable Benefit Life Insurance (John C. Fraser, Walter N. Miller, and Charles M. Sternhell), XXI, 426.

Fast, More Meaningful Twenty-Year Net Cost Formula (Peter L. J. Ryall), XXI, 323.

Mergers, Acquisitions, and Valuation of Stockholder Equity, XXI, D242.

Natural Reserve Concept and Life Insurance Earnings (Joe B. Pharr), XXIII , 131.

Return on Stockholder Equity (Thomas P. Bowles, Jr.), XXI, 262. Paper: New Approach to the Calculation of Active Life Disability

Reserves, XXII, 1. STEINER, WILLIAM K.

Discussion on: Elections by Mail, XXIII , D236. Pension Developments, XXIII , D300.

STENNES, GEORGE V. Discussion on: Management of Professional Personnel, XXI, D441.


STEPHENSON, J. HERMAN--Discussion on: United States Federal Income Tax, XXI, D423.

STERN, BENJAMIN L.--Discussion on: Equity Products, XXI, D392. STERNHELL, CHARLES i .

Discussion on: Elections by Mail, XXlII , D47. Equity-oriented Products, XXI, D26. Variable Insurance Products, XXI, D637. Variable Life Insurance, XXII, D158.

Obituary Notice, XXII, 677. Paper with John C. Fraser and Walter N. Miller: Analysis of Basic

Actuarial Theory for Fixed Premium Variable Benefit Life Insur- ance, XXI, 343.

STEVEN, DAVID E.--Discussion on: Profit Squeeze for Individual Insurance, XXIII , D324.

STEVENS, W. TRIs--Discussion on: Marketing/Agency Supervision, XXIV, D846.

STEWART, GATHINGS Discussion on: Mergers, Acquisitions, and Valuation of Stockholder

Equity, XXI, D232.


Return on Stockholder Equity (Thomas P. Bowles, Jr.), XXI, 265. Poem: State of Society Today, XXII, D475.

STEWART, PAUL W.--Obituary Notice, XXIV, 57. STOCKS--See Investments. STONEC1PHER, DAVID A.--Paper with John M. Bragg: Life Insurance Based

on the Consumer Price Index, XXII, 333. STRAFFIN, DONALD C.--Discussion on: United States Federal Income Tax,

XXI, D436. STRAIGHT, BYRON W.--Discussion on: Health Services--Public versus

Private Financing, XXIII, D250. STREET, CHRISTOPHER C.--Discussion on: New Look at Gain and Loss

Analysis (Arthur W. Anderson), XXIII, 168. STREETER, GORDON CHASE--Obituary Notice, XXIV, 538. STRONG, GREGORY S,--Discussion on: Actuary's Responsibility to His Various

Publics, XXIII, D211. STRONG, n. RAYMOND--Discussion on: Annual Statement Accounting, XXI,

D706. STRUNK, CARL J.--Discussion on: Profit Squeeze for Individual Insurance,

XXIII, D323. SUGGESTIONS RECEIVED IN RESPONSE TO OUR LIBRARY MAILING--John W.

Tomlinson, XXII, D471. SUTHERLAND, GEORGE D.--Discussion on: Consumerism, XXIV, D440. SUTHERLAND, JOHN M., JR.--Discussion on: Equity-oriented Products, XXI,

D150. SUTTON, HARRY L., JR.


Individual Medical Expense Insurance, XXI, D738. Trends in Hospital and Medical Care Utilization, XXI, D666.

SUTTON, THOMAS C.--Discussion on: Numerical Analysis, XXI, D925. SUTTON, WILLIAM F., III--Discussion on: Computer Models and Simulation,

XXI, D127. SWEETSER, DORRIAN APPLE--Discussion on: Changing Modes of Family

Life, XXIII, D637. SwIca, GEORGE B.--Discussion on: Alternatives for Pension Legislation,

XXIV, D22. SWIFT, RICHARD A.

Discussion on: Actuarial Reporting to Management, XXIII, D40. Adjusted Earnings, XXIII, D148.

SYMPOSIUM ON ADJUSTED EARNINGS--Discussion, XXIII, D369.

TAXATION Discussion on: Deferred Tax Considerations, XXIII, D427. Paper: Taxation of Insurance in Canada (Raymond L. Whaley), XXII,

81. TAXATION OF INSURANCE IN CANADA--Raymond L. Whaley, XXII, 81,386;

Discussion, XXII, 385. TAXATION OF VARIABLE ANNUITIES AND MUTUAL FuNDs--Discussion,

XXI, D869. TAYLOR, J. EUGENE--Discussion on: Effects of Inflation on Underwriting,

XXII, D227.


TAYLOR, JOHN R. Discussion on: Actuarial Reporting to Management, XXIII, D225.

Deferred and Incentive Compensation, XXI, D684. TAYLOR, JOHN W. H.--Discussion on: Equity-oriented Products, XXI, D475. TAYLOR, WILLIAM J.

Discussion on: Adjusted Earnings, XXIII, D169. Algorithm for Computing Expected Stop-Loss Claims under a Group

Life Contract (John A. Mereu), XXIV, 325. Profit Squeeze for Individual Insurance, XXIII, D127.

TAYLOR, WILSON H.--Discussion on: Return on Stockholder Equity (Thomas P. Bowles, Jr.), XXI, 266.

TEALL, RALPH C.--Discussion on: Health Insurance in the United States, XXIII, D667.

TEtLER, ARTHUR E--Discussion on: United States Federal Income Tax, XXI, D424.

TEITELBAUM, NAFTALI H. Discussion on: Insolvency and Solidity Tests, XXIV, D837.

Life Insurance Based on the Consumer Price Index (John M. Bragg and David A. Stonecipher), XXII, 368.

THALER, ALAN M.--Discussion on: Equity Products, XXI, D397. THOMPSON, HAROLD--Discussion on: Insurance Distribution and Marketing

Systems, XXI, D674. THOMPSON, JOHN S., JR.--Discussion on: Marketing Trends--Smaller Com-

panies, XXI, D403. THOMPSON, STUART M.--Discussion on: Outlook for Public Employee Retire-

ment Systems, XXIV, D179. THOMSON', ALLAN L.--Discussion on: Life Insurance Product Development,

XXIV, D275. THURAU, RUSSELL W.--Discussion on: Pension Plan Developments, XXII,

D197. TILL, RONALD L. W.--Discussion on: Health Insurance in Transition, XXIV,

D203. TILLINGHAST, JOHN P.--Discussion on: Life Insurance Operations Over-

seas--Problems and Opportunities, XXI, D839. TIMPE, RONALD E.--Discussion on: Profit Squeeze for Individual Insurance,

XXIII, D307. TINO, PAULETTE


Logical Approach to Population Problems (Robert W. Batten), XXI, 289.

New Look at the Frequency of Pension Plan Actuarial Valuations (Nell R. Cronquist and William A. Dreher), XXIV, 141.


TOMLINSON, JOHN W.--Paper: Suggestions Received in Response to Our Li- brary Mailing, XXII, D471.

TOMPSON, SCHUYLER W., JR. Discussion on: Pension Funding, XXII, D358.

Topics for Consulting Actuaries, XXI, D782.


TOOKEY, ROBERT C. Discussion on: Corporate Diversification: Experience in the United States

and Canada, XXIV, D614. Life Insurance Based on the Consumer Price Index (John M. Bragg

and David A. Stonecipher), XXII, 370. Mergers, Acquisitions, and Valuation of Stockholder Equity, XXI,

D497. Profit Squeeze for Individual Insurance, XXIII , D309. Ruin Function Approximation (John A. Beckman), XXI, 277.

Paper with Howard H. Kayton: Merger of Mutual Life Insurance Com- panies, XXIV, 261, 309.

TOPICS FOR CONSULTING ACTUARIES--Discussion, XXI, D763. TORREY, JAMES H.--Discussion on: Investing during the 1970's, XX[II ,

D515. TOWNSEND, FREDERICK S., JR.

Discussion on: Actuarial Reporting to Management, XXIII , D22. Adjusted Earnings, XXIII, D166; XXIV, D515. Adjusted Earnings for Life Companies, XXII, D353. Corporate Diversification: Experience in the United States and

Canada, XXIV, D603. Mergers, Acquisitions, and Valuation of Stockholder Equity, XXI,

D224. Uniform Approach to Accounting for Bond and Common Stock Invest-

ments (Daniel F. Case), XXIV, 485. TRAINING OF ACTUARIAL STUDENTS IN THE UNITED KINGDOM--Discussion,

XXII, DS. TRAPNELL, GORDON R--Discussion on: Health Services--Public versus

Private Financing, XXIII , D253. TRENDS IN EMPLOYEE BENEFIT PLANS--Discussion, XXII, D605. TRENDS IN HOSPITAL AND MEDICAL CARE UTILIZATION--Discussion, X X I ,

D641. TROTTA, GEORGE B.--Discussion on: Health Insurance and Health Care,

XXIV, D569. TROWBRIDGE, CHARLES L.


Adjusted Earnings for Life Companies, XXII, D353. Computer Models and Simulation, XXI, D119. Continuing Education of the Actuary, XXII, D317. Continuing Education--Discussion of Trowbridge Report, XXII,

D286. Elections by Mail, XXIII, D235. Health Insurance in the United States, XXIII , D61. Life Insurance Net Cost Comparisons, XXI, D189. Mortality of the Aged (Francisco Bayo), XXIV, 211. Pension Benefit Security Bill, XXI, D569. Pension Plans in Perspective, XXIV, D579. Profit and Other Objectives in Group Operations, XXI, D817. Proposed Changes in Automobile Liability Insurance, XXI, D328. Source of Statistical Information for Actuaries, XXII , D389. Statistical Studies of Stock Market Behavior, XXII, D544.

Paper: Cost of Vesting in Private Pension Plans, XXIV, 397,428.


TUCKER, SAMUEL L., JR.--Discussion on: Profession and the Life Insurance Buyer, XXIV, D755.

TURBERG, PHILLIP A.--Discussion on: Adjusted Earnings, XXIV, D524. TURNER, JOHN--Discussion on: Current Developments in Group Life and

Health Insurance, XXIV, D352. TURNER, SAMUEL n.


Fulfilling Stockholders' Objectives, XXIV, D220. Responses to the AICPA Draft, XXIII , D416. Statistical Studies of Stock Market Behavior, XXII, D544. Variable Insurance Products, XXI, D638. Variable Life Insurance, XXIII , D70.

Papers: Asset Value Guarantees under Equity-based Products, XXI, 459. Equity-based Life Insurance in the United Kingdom, XXIII , 273.

TWENTY-YEAR NET COST FORMULA--Paper: Fast, More Meaningful Twenty-Year Net Cost Formula (Peter L. J. Ryall), XXI, 101, 325; Discussion, XXI, 315.

TWENTY-YEAR POLICYHOLDER COST COMPARISONS AMONG ORDINARY IN- SURANCE PLANS--Peter L. J. Ryall, XXI, 119.

TWlNNEY, MARC M., JR.--Discussion on: Pension Benefit Security Bill, XXI, D578.

UNDERWRITING THE CATASTROPHE ACCIDENT HAZARD--Discussion, XXIV, D403.

UNIFORM APPROACH TO ACCOUNTING FOR BOND AND COMMON STOCK INVESTMENTS--Daniel F. Case, XXIV, 435, 487; Discussion, XXIV, 457.

UNITED STATES FEDERAL INCOME TAx--Discussion, XXI, D49, D417. UNRUH, HENRY C.

Discussion on: Fulfilling Stockholders' Objectives, XXIV, D234. Management of Professional Personnel, XXI, D82.

UPPER BOUND ON SToP-Loss NET PREMIUM--Newton L. Bowers, Jr., XXI, 211.

UTILITY THEORY--Discussion, XXI, D331.

VACHON, J. F. FRANCOiS--Discussion on: Symposium on Adjusted Earnings, XXIII , D410.

VALUATION--Discussion on: Mergers, Acquisitions, and Valuation of Stockholder Equity, XXI, D219.

VAN KEUREN, DONALD J. Book Review: Industrial Safety Statistics: A Reexamination (Jerome B.

Gordon, Allan Akman, and Michael L. Brooks), XXIII , 651. Discussion on: Effects of Inflation on Underwriting, XXII , D229.

Management of Professional Personnel, XXI, D81. Underwriting the Catastrophe Accident Hazard, XXIV, D435.

VANDERHOOF, IRWIN T. Discussion on: Actuarial Reporting to Management, XXIII , D15.


Investment Responsibility of the Actuary, XXII, D107. Variable Life Insurance, XXII , D174.


Paper: Interest Rate Assumption and the Maturity Structure of the Assets of a Life Insurance Company, XXIV, 157, 202.

VARGA, GEORGE J.--Discussion on" Empirical Approach to Determination of Credibility Factors (Ralph D. Maguire), XXI, 226.

VARIABLE ANNUITIES--Paper: Reserve Basis for Guaranteed Benefits under Variable Annuity Contracts (Herbert W. Hickmanl, XXII, 544.

VARIABLE ANNUITIES AND MUTUAL FUNDS Discussion on: Activities of the Subcommitee on Variable Contracts of

the ALC-LIAA Actuarial Committee, XXI, D543. Equity-oriented Products, XXI, Dl l , DI41. Reserves and Related Problems for Variable Annuities and Cost-

of-Living Benefits, XXI, D745. Taxation of Variable Annuities and Mutual Funds, XXI, D869.

Papers: Alternatives in Variable Annuity Benefit Design (John H. Biggs), XXI, 495.

Analysis of Basic Actuarial Theory for Fixed Premium Variable Benefit Life Insurance (John C. Fraser, Walter N. Miller, and Charles M. Sternhell), XXI, 343.

Asset Value Guarantees under Equity-based Products (Samuel H. Turner), XXI, 459.

Observations on Actuarial Aspects of the Insured Variable Annuity (John Macarchuk), XXI, 529.

VARIABLE INSURANCE PRODUCTS--Discussion, XXI, D603. VARIABLE LIFE INSURANCE

Discussion on: Equity-based Life Insurance in the United Kingdom (Samuel H. Turner), XXIII, 273.


New York Life Variable Life Insurance Design on a Daily Basis (Edward Scher), XXIII, 367.

Projections of Variable Life Insurance Operations (Paul Markham Kahn), XXIII, 335.

Variable Life Insurance, XXII, D143, D395; XXIII, D65, D263; XXIV, D659.

Variable Life Insurance Viewed via the "Additions" Concept (James J. Murphy and Rodney R. Rohda), XXII, 377.

Variable Life Technical Problems, XXIV, D765. Papers: Equity-based Life Insurance in the United Kingdom (Samuel

H. Turner), XXIII, 273. New York Life Variable Life Insurance Design on a Daily Basis (Ed-

ward Scher), XXIII, 367. Projections of Variable Life Insurance Operations (Paul Markham

Kahn), XXIII, 335. Book Review: Variable Life Insurance: Current Issues and Developments

(Douglas G. Olson and Howard E. Winklevoss), Reviewed by Edward Scher, XXIV, 45.

VARIABLE LIFE INSURANCE VIEWED VIA THE "ADDITIONS" CONCEPT--James J. Murphy and Rodney R. Rohda, XXII, 377, 383; Discussion, )~XII, 381.

VARIABLE LIFE TECHNICAL PROBLEMS--Discussion, XXIV, D765. VILLA, BERNARD J.


Health Insurance in Transition, XXIV, D192.


VOGEL, JULIUS Discussion on: Alternate Route, XXII, D478; XXIII, Dq4, D281.

Effects of Inflation on Underwriting, XXII, D259. Elections by Mail, XXIII, D236. Underwriting the Catastrophe Accident Hazard, XXIV, D418.

VOGT, ERNEST R.--Book Review: Compound Interest and Annuities-certain (D. W. A. Donald), XXIII, 629.

VON SCHILLING, KURT K. G.--Discussion on: Continuing Education--Dis- cussion of Trowbridge Report, XXII, D299.

WAGENSELLER, LARUE S.--Obituary Notice, XXIV, 58, WAHLBERG, DEAN A--Discussion on: Benefit Design, XXIV, D163. WALKER, CHARLES N,

Discussion on: Effects of Inflation on Underwriting, XXII, D234. Mortality Trends, XXI, Dg01.

WALKER, HARRY Discussion on: Activities of the Subcommittee on Variable Contracts of

the ALC-LIAA Actuarial Committee, XXI, D543. Analysis of Basic Actuarial Theory for Fixed Premium Variable Benefit


Application of Simulated Stock Market Trends to Investigate a Ruin Problem (Frank P. DiPaolo), XXI, 561.

Equity-oriented Products, XXI, D144. Reserves and Related Problems for Variable Annuities and Cost-

of-Living Benefits, XXI, D750. Taxation of Variable Annuities and Mutual Funds, XXI, D885. Variable Life Insurance, XXlI, D163. Variable Life Technical Problems, XXIV, D786.

WALKER, RALPH P. Discussion on: Consumerism, XXlV, D462.

Natural Reserve Concept and Life Insurance Earnings (Joe B. PharrL XXIII, 133.

Symposium on Adjusted Earnings, XXlII, D406. WALLACE, GEORGE R.--Discussion on: Variable Life Insurance, XXlI, D168. WALMSLEY, HOWARD C.--Discussion on: Actuarial Reporting for Manage-

ment, xxII, D597. WALSH, JOHN EDwARD--Obituary Notice, XXIV, 538. WALSH, THOMAS G.--Discussion on: Trends in Employee Benefit Plans,

XXII, D612. WARD, WILLIAM F.--Discussion on: Life Insurance Net Cost Comparisons,

XXI, D205. WARNER, DAVID T.--Discussion on: Profession and the Life Insurance Buyer,

XXlV, D759. WARNER, FRANK A., M.D.--Book Review: Prognosis: Clinical Factors in

Risk Appraisal (Thomas A. Keith III, M.D.), XXII, 55. WARTERS, DENNIS N.--Discussion on: Management of Professional Person-

nel, XXI, D91. WATERFIELD, RANDOLPH H., JR.--Discussion on: Adjusted Earnings,

XXIV, D511. WATSON, CHARLES B. H.

Discussion on: Adjusted Earnings, XXIII, D327. Alternate Route, XXIII, D95.


XXII, Continuing Education--Discussion of Trowbridge Report, D280.

Elections by Mail, XXIII, D44. Future of the Profession, XXIV, D793. Panel Discussion: Past Is Prologue, XXI, D556. Pension Plan Developments, XXII, D212. Responses to the AICPA Draft, XXIII, D419. Social and Economic Role of the Actuary., XXII, D669. What about These Younger Actuaries? XXII, D377.

Paper: Farewell Address, XXIV, 551. WATSON, GEORGE N.


Variable Insurance Products, XX1, D634. WEAVER, ARTHUR G.--Discussion on: Mergers, Acquisitions, and Valuation

of Stockholder Equity, XXI, D235. WEBSTER, ANDREW C.

Discussion on: Mortality Trends, XXI, D900. Proposed Changes in Automobile Liability Insurance, XXI, D329.

WEBSTER, DAVID A.--Discussion on: Life Insurance Operations Over- seas--Problems and Opportunities, XXI, D827.

WECK, FRANK A.--Discussion on: Actuarial Reporting to Management, XXIII, D39.

WEINSTEIN, LOUIS Discussion on: Changing Role of the Actuary, XXI, D278.



Smaller Company Forum, XXIII, D189. WEISZ, LouIs M.--Discussion on: Fast, More Meaningful Twenty-Year Net

Cost Formula (Peter L. J. Ryall), XXI, 324. WELCH, ROBIN B.--Discussion on: Computer Models and Simulation, XXI,

D132. WELSH, DAVID M.

Discussion on: Alternate Route, XXIII, D288. Marketing Trends--Smaller Companies, XXI, D414.

WELSH, PATRICK--Discussion on: Education and Examination of Actuaries, XXII, D650.

WENDT, EDWARD G., JR. Discussion on: Effects of Inflation on Underwriting, XXII, D253.

Health Insurance and Health Care, XXIV, D565. WENDT, RICHARD Q.--Discussion on: Projections of Variable Life Insurance

Operations (Paul Markham Kahn), XXIII, 357. WHALEY, RAYMOND L.--Papers: Taxation of Insurance in Canada, XXlI,

81, 386. WHAT ABOUT THESE YOUNGER AcTuARIES?--Discussion, XXII, D369. WHITE, CECIL G.

Discussion on: Health Insurance and Health Care, XXIV, D559. Health Services--Public versus Private Financing, XXIII, D58.

WHITE, H. EDMUND--Discussion on: Asset Management, XXIV, D82. WHITE, ROBERT EDWARD--Obituary Notice, XXIV, 59.


WHITE, WILLIAM A. Discussion on: Consumerism, XXIV, D438.

Return of Premium Benefit in Health Insurance (E. Paul Barnhart), XXII, 295.

WHITE, WILLIAM KoLB--Obituary Notice, XXII, 71. WHITE, WILLIAM M., JR.--Discussion on: Variable Insurance Products,

XXI, D632. WIEBKE, HAROLD G.

Discussion on'. Individual Annuity Mortality Table--1971 (Harold Cherry), XXIII, 557.

Taxation of Variable Annuities and Mutual Funds, XXI, D872. WIEDER, JOHN W., JR.--Discussion on: Proposed Changes in Automobile

Liability Insurance, XXI, D313. WILCOX, STEPHEN R.--Discussion on: Adjusted Earnings, XXIV, D530. WILDE, PETER R.--Discussion on: Equity-oriented Products, XXI, D142. WILLIAMS, DAVID S.

Book Review: Spirit and the Uses of the Mathematical Sciences (Thomas L. Saaty and F. Joachim Weyl, eds.), XXIII, 631.

Discussion on: New Look at Gain and Loss Analysis (Arthur W. Ander- son), XXIII, 177.

WILLIAMS, DEAN E.--Book Review with Joshua Jacobs: Insurance Coverage for Mental Illness (J. F. Follmann, Jr.), XXlI, 411.

WILLIAMS, ROBERT D.--Discussion on: Developments in State Insurance Laws, XXlI, D562.

WILLIAMSON, ROBERT L.--Discussion on: Equity-oriented Products, XXI, D459.

WILLIS, E. S.--Discussion on: Retirement-Age Dilemma, XXlI, D575. WILSON, GEORGE W.

Discussion on: Effects of Inflation on Underwriting, XXII, D250. Mortality Trends, XXI, D905. Mortality and Underwriting of Individual Policies for Large Amounts,

XXIII, D496. WILSON, GERALD I.--Discussion on: Actuary's Responsibility to His Various

Publics, XXIII, D218. WILSON, IAN H.--Discussion on: Forecasting the Environment for Business,

XXIII, D553. WILSON, ROSS J.--Discussion on: Deferred and Incentive Compensation,

XXI, D689. WlNDECKER, ARTHUR A.--Discussion on: Outlook for Public Employee

Retirement Systems, XXIV, D180. WINER, WARREN J.--Discussion on: Actuarial Reporting to Management,

XXIII, D233. WINHOLD, DUNCAN R.

Discussion on: Cash-Flow Problems, XXII, D721. Investing during the 1970's, XXIII, D526.

WINKENWERDER, RICHARD A. Discussion on: Benefit Design, X X I V , D154.

Pension Plan Developments, XXII, D191. WINKLEVOSS, HOWARD E.



Paper with Arnold F. Shapiro: Estimating the Cost of Vesting in Pension Plans, XXIV, 373.

WINSLOW, HENRY N. Book Review: Vesting and Termination Provisions in Private Pension

Plans (Carl H. Fischer), XXIII, 54. Discussion on: Pension Plan Developments, XXII, D215.

WINTER, BERT A. Discussion on: Adjusted Earnings, XXIII, D341.

Adjusted Earnings for Mutual Life Insurance Companies (Donald D. Cody), XXIV, 217.

Profit Squeeze for Individual Insurance, XXIII, D323. WINTERS, ROBERT C.

Discussion on: Natural Reserve Concept and Life Insurance Earnings (Joe B. Pharr), XXIII, 135.

Responses to the AICPA Draft, XXIII, D422. WIRTH, WILLIAM C.--Discussion on: Profit and Other Objectives in Group

Operations, XXI, D802. WISEMAN, ROBERT T.--Obituary Notice, XXII, 148. WISHART, ROBERT A.

Discussion on: Investment Responsibility of the Actuary, XXII, Dl12. Pension Plan Developments, XXII, D219.

WITTICK, HERBERT E.--Discussion on: Proposed Changes in Automobile Liability Insurance, XXI, D324.

WOOD, JOHN W., JR. Discussion on: Asset Management, XXIV, D76.

Benefit Design, XXIV, D162. WOODDY, JOHN C.

Discussion on: Adjusted Earnings, XXIII, D163, D352. Return on Stockholder Equity (Thomas P. Bowles, Jr.), XXI, 269.

WOODLEY, CLIFFORD JoHN--Obituary Notice, XXIV, 539. WOODS, CYRIL J.

Discussion on: Investment Responsibility of the Actuary, XXII, D97. Pension Plan Developments, XXII, D218. State, Provincial, and Municipal Employee Pension Plans--Financing

and Other Problems, XXIII, D480. WOOLEY, JONATHAN L.--Discussion on: Continuing Education--Discussion

of Trowbridge Report, XXII, D279. WRIGHT, DAVID A.--Discussion on: Corporate Diversification: Experience

in the United States and Canada, XXIV, D607. WYMAN, RICHARD B.--Discussion on: Agent Compensation, XXIII, D355.

YANIS, DAVID Discussion on: Final-Pay Pension Plans, XXI, D297.

Pension Developments, XXIII, D110. YARDLEY, CHARLES A.--Discussion on: Management of Professional Person-

nel, XXI, D105. YEARY, PAUL D.--Discussion on: Alternate Route, XXIII, D281. YODER, ROBERT S.--Discussion on: Management of Professional Personnel,

XXI, D98. YOUNG, FLOYD EUGENE--Obituary Notice, XXIV, 540. YOUNG, HOWARD



Alternatives for Pension Legislation, XXIV, D43. Changing Role of the Actuary, XXI, D275. Models and Decision Techniques, XXII, D452. Pension Developments, XXIII, D99. Role of the Actuary in Collective Bargaining, XXIII, D652.

YOUNG, JoHN--Discussion on: Future of the Profession, XXIV, D794. YOUNG, MELVILLE J.--Discussion on: Mergers, Acquisitions, and Valuation

of Stockholder Equity, XXI, D515. YOUNG, RALPH E.--Discussion on: Actuarial Reporting to Management,

XXIII, D225. YOUNG, WALTER--Discussion on: Life Insurance Net Cost Comparisons,

XXI, D208.

ZIOCK, RICHARD W. Discussion on: Fulfilling Stockholders' Objectives, XXIV, D246.

Interest Rate Assumption and the Maturity Structure of the Assets of a Life Insurance Company (Irwin T. Vanderhoof), XXIV, 200.


Marketing Trends--Smaller Companies, XXI, D378. Numerical Analysis, XXI, D926. Return on Stockholder Equity (Thomas P. Bowles, Jr.), XXI, 271. Sources of Statistical Information for Actuaries, XXII, D384.

Paper: Gross Premiums for Term Insurance with Varying Benefits and Premiums, XXII, 19.

ZUBAY, ELI--Discussion on: Computer Models and Simulation, XXI, D127.

index to volumes xxi-xxiv...xxi, d444. index to volumes xxi-xxiv index to volumes xxi-xxiv on: a....

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