by J. David Cummins, Barry D. Smith, R. Neil Vance, Jack L. VanDerhei
1 Introduction -- I Fundamentals of Risk Classification -- 2 The Theory of Insurance Pricing: Loss Distributions and Expected Value -- 3 The Economic Role of Risk Classification -- 4 Heterogeneity in Risk Classification -- 5 Fairness in Risk Classification -- 6 Conclusions to Part I -- II Current Risk Classification Procedures -- 7 Introduction: Overview of Risk Classification -- 8 The Nonmedical Application Nonmedical Factors -- 9 Underwriting Medical Impairments High Blood Pressure -- 10 Nonphysical Underwriting Factors -- 11 Conclusions to Part II -- III Multivariate Analysis of Underwriting Risk Factors and Mortality -- 12 Introduction -- 13 A Multiple Logistic Methodology for the Estimation of Risk Classification Models -- 14 The Effect of Physical and Medical Impairments on the Annual Probability of a Policy Terminating by Death -- 15 Comparison of Logistic Model Results with Other Data -- 16 Summary and Conclusions for Part III.