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AMERICANACADEMY
Of
ACTUARIES
1976 Year Book
PG~DEm y ~~
U CY
1965
JANUARY 31, 1976
When we build, let it be such work as our descen-dants will thank usfor: and let us think, as we lay stoneon stone, that the time will come when men will sayas they look upon the labor and the substance,
"See! this our fathers did for us."JOHN RUSKIN
AMERICANACADEMY
Of
ACTUARIES
1976 Year Book
PUBLISHED BY THE ACADEMY
Executive Office Administrative Office1775 K Street, N.W. 208 South LaSalle Street
Washington, D .C. 20006 Chicago, Illinois 60604
JANUARY 31, 1976
MADE IN THE UNITED STATES OF AMERICA
TABLE OF CONTENTS
HISTORICAL BACKGROUND .
BOARD OF DIRECTORS
2
5
OFFICE OF THE ACADEMY . . . . . . . . . . . . 5
STANDING COMMITTEES . . . . . . . . . . . . . 6
SPECIAL COMMITTEES . . . . . . . . . . . . . 14
JOINT COMMITTEES . . . . . . . . . . . . . . 15
PAST OFFICERS . . . . . . . . . . . . . . . 16
MEMBERSHIP STATISTICS . . . . . . . . . . . . 17
MEMBERS, JANUARY 31, 1976 . . . . . . . . . . . 19
INCORPORATION OF THE ACADEMY . . . . . . . . 126
BYLAWS . . . . . . . . . . . . . . . . . 127
PRESCRIBED EXAMINATIONS . . . . . . . . 139
GUIDES TO PROFESSIONAL CONDUCT . . . . . . . . . 141
OPINIONS AS TO PROFESSIONAL CONDUCT . . . . . . . . 144
FINANCIAL REPORTING RECOMMENDATIONS AND INTERPRETATIONS 159
APPLICATION FOR ACADEMY MEMBERSHIP . . . . . . . 192
OTHER ACTUARIAL ORGANIZATIONS . . . . . . . . . 193
ACTUARIAL CLUBS . . . . . . . . . . . . . . 196
1
HISTORY OF THEAMERICAN ACADEMY OF ACTUARIESIt was on October 25, 1965 that the American Academy of Actuaries was
organized as an unincorporated association to serve the actuarial profession inthe United States . The corresponding national body in Canada, the CanadianInstitute of Actuaries, had been incorporated earlier in the same year .
For many years the profession in North America had consisted of fourbodies- the Casualty Actuarial Society, the Conference of Actuaries in PublicPractice, the Fraternal Actuarial Association, and the Society of Actuaries . In1964, the members of those four bodies, recognizing the need for a singlebody to represent actuaries of all specialties, approved formation of an all-inclusive organization of qualified United States actuaries .
The original plan had been to obtain a federal charter as the first steptoward seeking legal recognition of the profession . When it became appar-ent that this could not be promptly obtained, the Academy was dissolved asan unincorporated association and, on April 29, 1966, was reorganized as acorporation under the Illinois General Not For Profit Corporation Act . HenryF. Rood, whose presidential address to the Society of Actuaries in 1958 hadvoiced the first formal proposal for a national body, was elected its first Pres-ident .
MEMBERSHIP REQUIREMENTS. Academy membership was intended toserve as the hallmark of a qualified actuary in the United States.
All residents who were Fellows (or the equivalent) of the four existingbodies on October 25, 1965, were automatically enrolled as Academy mem-bers, subject to their indicated assent by paying the dues . The number ofcharter members was 1,427 .
The Academy immediately set about making its existence known to com-petent actuaries not eligible as charter members . It was required that anysuch actuary demonstrate to the Admissions Committee adequate knowledgeand skills. Many were admitted by this route, some after passing specialproctored examinations . A requirement of seven years of responsible actuarialexperience (five years for Fellows by examination of the existing bodies)was imposed.
After January 1, 1970, educational requirements were gradually increaseduntil the ultimate standard was reached in 1976 .
Non-residents of the United States can be admitted to membership if theymeet the Academy's educational and experience standards, can demonstratefamiliarity with United States actuarial practices, and have a need to performactuarial duties in the United States.
2
History o f the American Academy of Actuaries 3
In January 1976, an important amendment to the Bylaws created a newnon-voting class of membership designated Affiliate of the American Acad-emy of Actuaries. This class is to consist of non-members of the Academy whobecome Enrolled Actuaries under the Federal Employees Retirement IncomeSecurity Act of 1974 (ERISA ), subject to acceptance of their applicationsby the Academy.
PROFESSIONAL CONDUCT AND PRACTICE. Guides to Professional Conductwere first issued in December 1965, and have since been amplified and sup-plemented by Opinions . These Guides require the high standard of ethics andresponsible performance expected of professionals ; the Opinions aim toassist the practicing actuary in dealing with particular situations that arise .The Board of Directors is assisted by separate committees in this field . Oneof these, the Committee on Guides to Professional Conduct keep the Guidesand Opinions current and appropriate ; the other, the Committee on Dis-cipline, considers questions that arise about the conduct of any individualmember .
LEGAL RECOGNITION . In December 1966, the National Association ofInsurance Commissioners adopted a resolution supporting recognized stand-ards of actuarial competence and conduct and urging each commissioner tosupport the efforts of the Academy to gain official recognition. Many statesnow have regulations that recognize Academy membership as qualificationfor signing insurance company annual statements; some have correspondingrecognition for public employee retirement systems The first state to act wasIndiana, which provided by a 1968 law for certification of actuaries by astate board . The general pattern followed in other states has been issuanceof administrative orders or regulations .
In 1975 the responsibility expected of actuaries was spelled out by a newrequirement that the actuary who signs a life insurance company annual state-ment express an opinion on the actuarial elements including an opinion onthe adequacy of reserves. The Academy responded with recommendations tothe profession on how this responsibility should be met .
In the pension field the 1974 legislation, ERISA, has established extensiveand specific standards for actuarial reports, for disclosure and fiduciary re-lationships, and for the qualifications of actuaries in pension work .
EXPRESSIONS OF PROFESSIONAL OPINION, The first major influence of theAcademy beyond the boundaries of the profession was in its response, begin-ning in 1972, to the drafts of guides for audits of stock life insurance com-panies by the American Institute of Certified Public Accountants This co-operative endeavor has led to regular and close association between the ac-tuarial and accounting professions.
The Academy is steadily promulgating Recommendations, and Interpreta-tions thereof, for use by actuaries in preparing financial reports for insurancecompanies and pension plans The Guides to Professional Conduct and re-lated Opinions require that actuaries take these pronouncements into con-sideration and be prepared to support use of assumptions or methods thatvary from them.
4 History o f the American Academy of Actuaries
JOINT ACTIVITIES OF ACTUARIAL BODIES, The North American actuarial
bodies cooperate in many ways, largely through joint sponsorship of actuarialexaminations and through joint committees as needed . In December 1972the Academy was instrumental in launching an informal body, the Council ofPresidents, to foster even greater understanding and common purpose . In1974 a joint Committee on Organizational Coordination came into being atthe requests of the presidents of the Canadian Institute and the Academy .This Joint Committee is mapping possible paths toward maximum com-bined usefulness of the actuarial organizational structure .
ADMINISTRATION, From the outset the Academy shared administrativefacilities with the Society of Actuaries in Chicago, which have since beenbroadened to serve the Conference of Actuaries in Public Practice also . A ma-jor step to increase the value and influence of the Academy was taken in Jan-uary 1976 when Stephen G . Kellison was appointed Executive Director withheadquarters in Washington, D C Kellison, a member of the Academy, willcoordinate Academy activities in the public sector.
BOARD OF DIRECTORS
OFFICERS :
THOMAS P. BOWLES, JR., PresidentROBERT C. WINTERS, President-ElectEDWIN F. BOYNTON, Vice-PresidentKENNETH H. Ross, Vice-PresidentDALE R. GUSTAFSON, Vice-PresidentM. STANLEY HUGHEY, Vice-PresidentWALTER S. RUGLAND, SecretaryJAMES 0. WEBB, JR., Treasurer
PAST-PRESIDENTS :
ERNEST J . MOORHEADDANIEL J. MCNAMARA
ELECTED:
MARY H. ADAMSJARVIS FARLEYCHARLES C. HEWITTRICHARD G. HORNW. JAMES MACGINNITIECHARLES B. H. WATSONDWIGHT K. BARTLETT, IIIWILLIAM A. DREHERWALTER L. GRACEBARBARA J. LAUTZENHEISERPAUL S. LISCORDGEORGE V. STENNESJOHN C. ANGLETHOMAS P. BLEAKNEYHERBERT L. DEPRENGEREDWARD H . FRIENDFREDERICK W. KILBOURNEP. ADGER WILLIAMS
Term Expires
19761976197619761977197719761976
19761977
197619761976197619761976197719771977197719771977197819781978197819781978
ACADEMY HEADQUARTERS AND STAFFOffice of Executive Director
STEPHEN G . KELLISON, M.A.A.A .Executive Director1775 K Street, N W.
Washington , D C. 20006202/223-8196
Administrative OfficeBERNARD A. BARTELSAdministrative Officer208 South LaSalle StreetChicago, Illinois 60604
312/782-4204
5
STANDING COMMITTEES(Standing committees are appointed annually, the period running from the close
of one annual meeting to the next )
EXECUTIVE COMMITTEE
Between meetings of the Board, this Committee has the same powersas the Board , with certain exceptions listed in Article IV of the Bylaws .Ordinarily , it acts only in matters of urgency or lesser importance andmakes recommendations to the Board in important matters.
THE PRESIDENT , Chairman THE FOUR VICE-PRESIDENTSTHE PRESIDENT-ELECT THE SECRETARYTHE IMMEDIATE PAST-PRESIDENT THE TREASURER
COMMITTEES ON ACCREDITATIONThe function of these committees is to review questions relating to the
professional status of the actuary other than those relating to professionalconduct and, where applicable, to seek statutory or regulatory recognitionof the need for qualified actuaries in pertinent areas . One committee isconcerned with the professional status and relations of the actuary withthe federal government and the area supervised by government The othercommittee is concerned with the professional status and relations of theactuary with state regulatory authorities covering both insurance companiesand public employee retirement systems . The committees keep in touchwith both federal and state authorities and with each other and recommendsteps to be taken for the accreditation of the actuary.
COMMITTEE ON FEDERALRELATIONS AND ACCREDITATION
PRESTON C BASSETT, Chairman
CHARLES B. H, WATSON, Vice Chairman
MARTIN ADLER ROBERT J. MYERS
RICHARD V . MINCK ALBERT PIKE, JR.
JOSEPH MUSHER GORDON R. TRAPNELL
COMMITTEE ON STATERELATIONS AND ACCREDITATION
WILLIAM A. HALVORSON, Chairman
WILLIAM C. ALDRICH WALTER L. RUGLAND
DWIGHT K. BARTLETT, III W. TRiS STEVENS
THOMAS P. BLEAKNEY ANDREW C. WEBSTER
HAROLD E. CURRY WILLIAM M. WHITE, JR.
CLINT E. EDWARDS JOHN H. WILLIAMS
6
The Casualty and
StateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareD C .FloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMaryland
Committee on State Relations and AccreditationGENERAL COMMITTEE
WILLIAM A. HALVORSON, General ChairmanRICHARD G. ROEDER, Chairman, Public Employee Retirement Systems
HERBERT L. DEPRENGER, Chairman, Life and HealthANDREW C. WEBSTER
ALBERT PIKE, JR .
Public Retirement System Committees are in the process of formation .
Life and Health
THOMAS K. PENNINGTONDARYL D, JENSENGERALD T. KOGERRUSSELL L. KINGLouis GARFINRICHARD G. HORNWILLIAM M. WHITE, JR.WALTER W. STEFFENDWIGHT K. BARTLETTJOHN S. RIPANDELLIDAVID A. STONECIPHERMYLES L. GROVERVIRGIL L. REHAKRALPH J. ECKERTPETER C. SPOOLSTRAJAMES R. HOPSONSTEVEN L. COOPERDAVID C DATJLTONJOHN K. ROBERTSJOHN E. HEWITTDWIGHT K. BARILETT, III
PublicRetirement SystemsROBERT M PAISLEY
JOSEPH A. KRENZ, JR .
GARY E. DAHLMANSHEPHERD M. HOLCOMBELEONARD J BARDSLEY
LAWRENCE J. GIBNEYWILLIAM A, FERGUSONMYLES L. GROVER
DONALD F. CAMPBELL
CHARLES R. KEENE
JAMES R. HOPSON
STEVEN L. COOPER
WILLIAM E. GROOVES
RIAN M. YAFFE
Property and Liability
HAROLD E. CURRY
HAROLD E. CURRY
StateMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming
Life and HealthFRANK S. IRISHWILLIAM CONLEYROBERT E. HUNSTADTHEODORE L. THIEL, JR .JOHN H. BIGGSJEROME J. MCKOSKEYTHOMAS F. EASONFRANK L. GRIFFIN, JR .LAWRENCE C. PATZWILLIAM A. WHITEGERALD T. KOGERANDREW C. WEBSTERKENNFTH P. HINSDALEWILLIAM R. BURNSWILLIAM H. BREEZEROBERT A LONGJOHN F. HOOKWILLIAM A. SPARECHARLES A SMITHDOUGLAS A. BROOMECARL A. TIFFANYNEIL M. ANDERSONTHOMAS T. CHAMBERLAINARTHUR O. DUMMERJOHN H. HARDINGWILLIAM C. WIRTHDARYL D. JENSENTHOMAS C BARHAMBARTLEY L. MUNSONRICHARD G. HORN
PublicRetirement Systems
RAYMOND A. LATTA
THOMAS P. BLEAKNEYFENTON R. ISAACSONFRANK L. GRIFFIN, JR .
HUGH GILLESPIE
WILLIAM R. BURNS
G. Y. KEETCHGERALD G. ToyKENNETH H. RossDAVID B. SECOR
WILLIAM J. BRYAN, JR.
ROBERT M. MAY
ROBERT F. WILCOx
RICHARD J. GEISLER
KENNETH R. CAMPBELL
THOMAS P. BLEAKNEY
THOMAS C. BARHAM
WILLIAM F. LUMSDEN
GARY E. DAHLMAN
Property and liability
PHILIP O. PRESLEY
HAROLD E. CURRY
HAROLD E. CURRY
HAROLD E. CURRY
0C
Committees 9
ADMISSIONS COMMITTEEUnder the provisions of Article I, Section 2, of the Bylaws, this Com-
mittee reviews applications for admission and makes recommendations tothe Executive Committee. Such recommendations are based on evidence ofthe applicant's having met educational, experience, and other prescribedrequirements .
CHARLES C. HEWITT, JR ., ChairmanDALE F. ETHINGTON, Secretary
DANIEL D. MACKEN WILLIAM A. SPARECARROLL E. NELSON C. NELSON STROM
COMMITTEE ON ACTUARIAL PRINCIPLES AND PRACTICESIN CONNECTION WITH PENSION PLANS
The function of this Committee is to examine and develop actuarialprinciples and practices for actuarial calculations with respect to pensionplans.
In accordance with procedures prescribed by the Board of Directors,the Committee may publish Recommendations which should be taken intoconsideration by actuaries preparing actuarial calculations for pension plans .An actuary who makes use of an assumption or method in conflict with anyRecommendation should be prepared to substantiate its use. The Com-mittee, on its own authority, may release interpretations and other com-munications which do not have the force of Recommendations .
A. CHARLES HOWELL, ChairmanJAMES F. A BIGGS BLACKBURN H. HAZLEHURSTLYND T. BLATCHFORD HOWARD H. HFNNINGTONHENRY BRIGHT LEONARD MACTASWILLIAM A. DREHER GEORGE B. SWICKJACK M. ELKIN
COORDINATING COMMITTEE FOR PENSIONSThis Committee co-ordinates the committee work that is being done
throughout the actuarial profession on pension matters, insofar as suchmatters relate to activities with governmental agencies, other professions,and the public To effect this co-ordination, the Committee maintainsliaison with the other committees of the Academy involved with pensionquestions and likewise with those of other actuarial organizations . In addi-tion it has the responsibility of monitoring the activities of the various taskforces appointed to cooperate with government or professional bodies . TheCommittee makes recommendations to the Board of Directors on mattersof Academy policy as relates to pensions .
HARRISON GIVENS, JR ., Chairman
PRESTON C BASSETT BLACKBURN H . HAZLEHURST
M. DAVID R. BROWN* A. CHARLES HOWELL
WILLIAM A. FERGUSON RICHARD C. KEATINGf
Representative of Canadian Institute of Actuariest Representative of Conference of Actuaries in Public Practice .
10 Committees
COMMITTEE ON EDUCATION AND EXAMINATIONThis Committee is responsible , through continuing review and evalua-
tion, for determining that the education and examination requirements ofthe Bylaws are met, for implementing the Academy ' s role in joint spon-sorship of examinations administered by the actuarial organizations , and foradministering additional examinations , if any, for admission to the Acad-emy .
PETER L. HUTCHINGS, Chairman
NORMAN J. BENNETT GERALD R. HARTMAN
COMMITTEES ON FINANCIAL REPORTING PRINCIPLESThese Committees examine the actuarial considerations applicable to
the financial reporting of insurance companies and develop guidelines forthe practicing actuary.
In accordance with procedures prescribed by the Board of Directors, eachof the Committees may publish Recommendations which should be takeninto consideration by the actuary , and release interpretations which do nothave the force of Recommendations .
The role of the General Committee is primary consultative and advisoryto the other two Committees , both which report directly to the Board ofDirectors on their identified specialty .
GENERAL COMMITTEEJARVIS FARLEY, General Chairman
ROBERT A. BAILEY
HENRY B. RAMSEY, JR.
RICHARD S . ROBERTSON
RUTH E. SALZMANNPAUL E . SINGERSAMUEL H. TURNER
COMMITTEE ON LIFEINSURANCE COMPANYFINANCIAL REPORTINGPRINCIPLES
RICHARD S . ROBERTSON , ChairmanSTEPHEN D. BICKELJOHN H. BIGGSBARRY L BLAZERDANIEL F. CASEEDWARD H. COLTONELLIS D. FLINNBURTON D. JAYJOSEPH C. NOBACKWILBUR H. ODELL, JR.PAUL H. ROHRKEMPERPAUL E . SARNOFFWILLIAM A. SPARERICHARD M. WENNERJACK E. WOOD
COMMITTEE ON PROPERTYAND LIABILITY INSURANCECOMPANY FINANCIALREPORTING PRINCIPLES
PAUL E_ SINGER, ChairmanJAMES R. BERQUISTROBERT A. BRIANJAMES H. CROWLEY, JR .ORVAL E, DAHMEJAMES A. FABERCHARLES A. HACHEMEISTERFRANK HARWAYNECOSTANDY K. KHURYROBERT F. LowECHARLES WALTER STEWARTLUTHER L. TARBELLDONALD E. TRUDEAU
Committees 11
COMMITTEE ON RELATIONS WITH ACCOUNTANTS
This Committee and the parallel AICPA Committee on Relations withActuaries provide a constantly available facility for communication be-tween the two professions. They meet jointly at regular intervals , as wellas whenever specific need arises, to discuss policy matters involving the twoprofessions .
Task forces will operate under the aegis of each profession ' s committee,as needed , to work on particular questions . However, this Committee ini-tiates dialogue at an early stage of any situation involving both professionsand provides a means for anyone in either profession to seek an answer toa question involving the expertise of the other profession .
MORTON D. MILLER, Chairman
PRESTON C. BASSETT JARVIS FARLEYRONALD L. BORNHUETTER M. STANLEY HUGHEYJAMES H. CROWLEY RICHARD S. ROBERTSONWILLIAM A . DREHER J. DARRISON SILLESKY
COMMITTEE ON PUBLICATIONSThis Committee is responsible for all Academy publications .
WALTER L. GRACE, ChairmanROBERT H . HOSKINS, Editor of Newsletter
Editor o f JournalEditor of Yearbook
NOMINATING COMMITTEEThis Committee is responsible for nominating a slate of candidates for
the Board of Directors for presentation to the Annual Meeting, and fornominating a slate of candidates for Academy Officers for presentation tothe Board of Directors following the Annual Meeting .
ERNEST J. MOORHEAD, ChairmanDANIEL J. MCNAMARA, Vice Chairman
DANIEL F. CASEA. NORMAN CROWDERALAN C. CURRYLINDA B. EMORYDANIEL F. MCGINNJAMES J. MEENAGHAN
BARTLEY L. MUNSONEARL F. PETzGARY N. SEEANDREW C. WEBSTERCHARLES WITTENBERGMARTIN L . ZEFFERT
COMMITTEE ON GUIDES TO PROFESSIONAL CONDUCTThis Committee is responsible for drafting Guides to Professional Con-
duct and Opinions as to Professional Conduct, and also for revising orrecommending the elimination of existing Guides and Opinions for actionby the Board of Directors . The Committee answers inquiries about profes-sional conduct, whether of a general or specific nature.
12 Committees
MARY H. ADAMS, ChairmanPAUL S . LISCORD, Vice Chairman
JARVIS FARLEY JOHN H MUETTERTIES
CHARLES T. P. GALLOWAY HAROLD E. RUCK
W. JAMES MAcGINNITIE FREDERICK P. SLOAT
JAMES S. MAINE JACK E. WOOD
PUBLIC RELATIONS COMMITTEE
The function of this Committee is to improve the public's awarenessof the role of the actuary, and to provide a means for publicizing Academyactivities.
ROBERT H DREYER, ChairmanRICHARD H. HOFFMAN, Vzce Chairman
ROBERT II. DOBSON LARRY R ROBINSON
WILLIAM A. PORTER AVON G. SHANNON, JR .
FREDERICK E. RAACH STANLEY B. TULIN
HARRY R . RICHARDS DAVID YANIS
COMMITTEE ON DISCIPLINEThis Committee considers directly, or by appointed subcommittees, ques-
tions that arise about the conduct of a member in his relationship to theAcademy or its members , or in professional practice, or affecting the inter-ests of the profession, and makes appropriate reports to the Board of Di-rectors .
ERNEST J. MOORHEAD, Chairman
JOHN C. ARCHIBALD RICHARD A. LEGGETT
DONALD F. CAMPBELL DANIEL D. MACKEN
HERBERT L. DEPRENGER CHANDLER L. MCKELVEY
LESTER B. DROPKIN JOHN H MILLER
HAROLD E. Dow CHARLES A. ORMSBY
RICHARD M. FRIDLEY PAUL M. OTTESON
LLOYD K, FRIEDMAN RODGER R PATRICK
DATON GILBERT CHARLES A. SIEGFRIED
WILLIAM A. HALVORSON H. RAYMOND STRONG
WILLIAM J. HAZAM BERNARD L WEBB
JOHN F. HOOK BERT A WINTERREUBEN I. JACOBSON EUGENE WISDOM
COMMITTEE ON SERVICES TO ENROLLED ACTUARIES
The function of this Committee is to assist the Board of the Academyin formulating and implementing a meaningful program of services forenrolled actuaries .
Committees
WILLIAM A. FERGUSON, ChairmanALLEN R. BEARD
LYND T. BLATCHFORD
GERALD F. BOITLET
HAROLD J. BROWNLEE
A. NORMAN CROWDER
WILLARD A. HARTMAN
SHEPHERD M. HOLCOMBE
ROBERT L. KNOWLES
RONALD KOBRINE
D. ALAN LITTLE
ALLAN C. LUND
JEROME J. MCKOSKEY
ELIZABETH C. POSTON
ALAN RICHARDS
HAROLD G. WIEBKE
13
COMMITTEE TO COOPERATE WITH GOVERNMENTALDEMOGRAPHIC AND STATISTICAL AGENCIES
This Committee is responsible for providing assistance to governmental,demographic and statistical agencies .
MATT B. JONES, JR, Chairman
NEWTON L BOWERS, JR. FREDERICK SELTZER
THOMAS N. E. GREVILLE
COMMITTEE ON SOCIAL INSURANCE
This Committee is to provide and promote actuarial reviews and analysesof Social Insurance Systems of the United States . Its significant findings willbe reported to the Executive Committee and the Board of Directors andmay be used to provide information for the Academy membership or forpublic expression of professional opinion . The Committee's activities willbe co-ordinated with that of corresponding committees of other NorthAmerican actuarial bodies
J. HENRY SMITH, Chairman
ROY R ANDERSON
CHARLES C. HEWITT, JR .
STEPHEN F. KRAYSLER
ROBERT E. LARSON
ROBERT F LINK
ERNEST J. MOORHEAD
ROBERT J. MYERSA. HAEWORTH ROBERTSON
RUTH E. SALZMANN
VERNON J. SWITZER
C. LAMBERT TROWBRIDGEJOHN G. TURNER
COMMITTEE ON ACTUARIAL STANDARDSThis Committee is charged with the responsibility of maintaining a con-
tinuous review of professional standards in the actuarial profession, ofidentifying situations where new or revised standards may be desirable,and of making appropriate recommendations for developing such standardsto the Board of Directors-
P. ADGER WILLIAMS, ChairmanJARVIS FARLEY ROBERT A. MILLER, IIIEDWARD H. FRIEND PAUL S. LISCORD
SPECIAL COMMITTEE
COMMITTEE TO REVIEW PROCEDURES FORAMENDING THE BYLAWS
ALAN RICHARDS , Chairman
(Committee members to be appointed)
14
JOINT COMMITTEES
JOINT COMMITTEE ON PROFESSIONAL CONDUCT
This Committee co-ordinates, and may initiate, the consideration ofGuides, Opinions, and other matters relating to professional conduct amongthe actuarial organizations .
ACADEMY REPRESENTATIVES :MARY H. ADAMS HAROLD E. RUCKPAUL S . LISCORD
JOINT COMMITTEE ON REVIEW OFEDUCATION AND EXAMINATIONS
This Committee conducts continuing review of policy matters relatingto the education and examination for qualification as an actuary . It makesrecommendations to the governing bodies of the actuarial organizations .
ACADEMY REPRESENTATIVES :NORMAN J . BENNETT PETER L. HUTCHINGSJOHN A . FIBIGER
DESIGNATED TRUSTEES OF THE PROPOSED ACTUARIALEDUCATIONAL AND RESEARCH FUND
ACADEMY REPRESENTATIVES :M. STANLEY HUGHEY W . JAMES MACGINNITIE
JOINT COMMITTEE ONINDEPENDENCE OF THE ACTUARY
This Committee is responsible for drafting a position paper and a set ofguidelines on the circumstances, if any, in which organizational and finan-cial independence of the actuary are desirable to avoid what may appear tobe conflict of interest in certification and other actuarial duties .ACADEMY REPRESENTATIVES :WAID J. DAVIDSON, JR. EDWARD H. FRIEND
COUNCIL OF PRESIDENTSThis is an informal body whose purposes are to co-ordinate activities of
the actuarial organizations on this continent and to exchange views oncurrent and long-term professional questions . Its membership consists ofthe Presidents and the Presidents-Elect of the Academy and of the bodieslisted as "Other Actuarial Organizations" in this Year Book.
ACADEMY REPRESENTATIVES :THOMAS P. BOWLES, JR. ROBERT C. WINTERS
15
PAST OFFICERS1965-66 1966-67
HENRY F. ROOD President THOMAS F MURRIN
THOMAS E. MURRIN President-Elect JOHN H. MILLER
FRANK J GADIENT Vice-Presidents FRANK J. GADIENI
LAURENCE H. LONGLEY-COOK LAURENCE H LONGLEY-COOK
JOHN H. MILLER H. RAYMOND STRONG
H. RAYMOND STRONG ANDREW C. WEBSTER
GEORGE M. BRYCE Secretary NORTON F. MASTERSON
ROBERT E. BRUCE Treasurer ROBERT E . BRUCE
1967-68 1968-69JOHN H. MILLER President WENDELL MILLIMAN
WENDELL MILLIMAN President-Elect WALTER L RUGLAND
EDWARD D. BROWN, JR . Vice-Presidents EDWARD D BROWN, JR
WILLIAM J LESLIE, JR WILLIAM J. LESLIE, JR .
FRANK J. GADIFNT PAUL T ROTTER
ALLEN L. MAYERSON HAROLD W SCHLOSS
NORTON E. MASTERSON Secretary NORTON E. MASTERSON
ROBERT E BRUCE Treasurer ROBERT E BRUCE
1969-70 1970-71WALTER L. RUGLAND President H. RAYMOND STRONG
H. RAYMOND STRONG President-Elect ROBERT J. MYERS
PAUL T. ROTTER Vice-Presidents DONALD F. CAMPBELL
HAROLD W. SCHLOSS JOHN K DYER
DONALD F. CAMPBELL HAROLD E. CURRY
ROBERT J MYERS MORTON D. MILLER
NORTON E. MASTERSON Secretary WILLIAM A. HALVORSON
ROBERT E. BRUCE Treasurer ROBERT E. BRUCE
1971-72 1972-73ROBERT J . MYERS President MORTON D. MILLFR
MORTON D. MILLER President-Fleet ERNEST J. MOORHEAD
HAROLD E. CURRY Vice-Presidents ROBERT E. BRUCE
ERNEST J. MOORHEAD JULIUS VOGELROBERT E. BRUCE REUBEN I . JACOBSONJULIUS VOGEL DANIEL J MCNAMARAWILLIAM A. HALVORSON Secretary WILLIAM A. HALVORSONDALE R. GUSTAFSON Treasurer DALE R. GUSTAFSON
1973-74 1974-75ERNEST J. MOORHEAD President DANIEL J. MCNAMARA
DANIEL J, MCNAMARA President-Elect THOMAS P. BOWLES, JR.
WILLIAM A. HALVORSON Vice-Presidents RICHARD L JOHE
REUBEN I. JACOBSON ROBERT C WINTERS
THOMAS P. BOWLES, JR EDWIN F. BOYNTON
RICHARD L. JOHE KENNETH H. RossWALTER S. RUGLAND Secretary WALTER S RUGLANDDALE R. GUSTAFSON Treasurer DALE R. GUSTAFSON
16
MEMBERSHIP STATISTICS
SCHEDULE OF MEMBERSHIPJANUARY 31, 1976
Particulars NumberMembership, November 1, 1974 . . . . . . . . 3,341
Increases :
Admissions . . . . . . . . . . . . . . . . . . . . . . . . . 196Reinstatements . . . . . . . . . . . . . . . . . . . . . . _ 5
3,542Decreases :
Deaths . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26Withdrawals . . . . . . . . . . . . . . . . . . . . . . . . . . 9Expelled . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
Membership , January 31, 1976 . . . . . . . . . . . . 3,505
ANALYSIS OF MEMBERSHIP BYTYPE OF EMPLOYMENT
Type of EmploymentJul
As ofy 1, 1974 Jul
As ofy 1, 1975
Insurance organization . . . . . . . . 1,851 1,866Consulting actuary . . . . . . . . . . . . 914 977Government . . . . . . . . . . . . . . . . 105 99Academic institution . . . . . . . . 30 32Other . . . . . . . . . . . . . . . . . . . . . 77 83Retired or not known . . . . . . . . . 373 397
Total . . . . . . . . . . . . . . . . . . 3,350 3,454
17
18 Membership Statistics
MEMBERSHIPS HELD BY ACADEMY MEMBERS INCASUALTY ACTUARIAL SOCIETY (CAS), CON-FERENCE OF ACTUARIES IN PUBLIC PRACTICE(CAPP), FRATERNAL ACTUARIAL ASSOCIATION(FAA), AND SOCIETY OF ACTUARIES (S/A )
(As of January 31, 1976)
CAS CAPP FAA S/A
In one only . . . . . . . . . . . . . . . 290 199 28 2261CAS and CAPP . . . . . . . . . . . . 9 9CAS and FAA . . . . . . . . . . . . . 1CAS d S/A 46 46an . . . . . . . . . . . . .CAPP and FAA . . . . . . . . . . 21
. .21
2 293CAPP and S/A . . . . . . . . . . . .FAA and S/A . . . . . . . . . . . . .
93 .3a . .30
CAS, CAPP, and FAA . . . . . . . 2 2 2CAS, CAPP and S/A . . . . . . . . 11 11 11CAS, FAA, and S/A . . . . . . . . 2 2CAPP, FAA, and S/A . . . . . . 22 22 22
In all four . . . . . . . . . . . . . . . . 3 3 3 3
Total . . . . . . . . . . . . . . . 364 560 109 2668
NOTE. 287 Academy members do not indicate any membership in the above or-ganization (s) Also 238 Academy members included in the above table are Fellows ofthe Canadian Institute of Actuaries,
MEMBERSJanuary 31, 1976
Supplemental list available from the Executive Director
The abbreviations following the name of the member of the Academy designatemembership in other actuarial bodies as follows :
F, C . I, A, - Fellow of Canadian Institute of ActuariesF . C . A . S . - Fellow of Casualty Actuarial SocietyA. C . A, S . - Associate of Casualty Actuarial SocietyF. C . A. - Fellow of Conference of Actuaries in Public PracticeM, C. A, - Member of Conference of Actuaries in Public PracticeA, C . A . - Associate of Conference of Actuaries in Public PracticeF . F. A . A. - Fellow of Fraternal Actuarial AssociationA . F . A . A . - Associate of Fraternal Actuarial AssociationF. S, A, - Fellow of Society of ActuariesA, S, A . - Associate of Society of Actuaries
*Denotes charter member of the American Academy of Actuaries,
EnrolledABBOT, QUINCY S. , F S A . Director, Tax Dept ., Connecticut General Life *1965
Ins . Co . , Hartford, Conn . 06152ABBOTT. VARNUM J. . JR. , F S A, , Associate Actuary, Aetna Life & Casualty, 1966
Hartford, Conn. 06115ABISEMEIER, NOEL J ., F . S. A., Associate Actuary, Allstate Life Ins, Co ., 1976
Northbrook, 111 . 60062ABRAMS, SIDNEY L., A S A. , Vice-President and Actuary, Western Benefit Plan 1969
Consultants, Inc ., 26 O'Farrell St ., San Francisco . Calif. 94108ABRAMSON, STEVEN J. , F S. A , Assistant Vice-President, Metropolitan Life 1967
Ins . Co., New York, N, Y. 10010ADAMS, DAVID G. . F S. A . , George V. Stennes & Assoc ., 2850 Metro Drive, 1974
Bloomington, Minn . 55420ADAMS, J. ROSS, F, S . A, , Box 36, Manzanita, Oreg. 97130 *1965ADAMS, MARY HARDIMAN (Mrs . 1, A . S, A . , F. C . A., Consulting Actuary, *1965
George B . Buck Consulting Actuaries, Inc , Two Pennsylvania Plaza,New York, N. Y 10001
ADAMS, SAMUEL P., F S . A. , 304 N. Second St ., Leland, Mich. 49654 *1965ADAMS, WARREN R, , F S, A , Professor of Actuarial Science, Drake University, *1965
Des Moines , Iowa 50311ADDIEGO, JAMES P., A. S A . , Actuarial Assistant, Provident Mutual Life Ins . Co, , 1971
Philadelphia , Pa. 19139ADELSTEIN, VICTOR A. , F . S . A , Assistant Actuary, Connecticut Mutual Life 1972
Ins . Co . . Hartford, Conn . 06115ADLER, MARTIN, F, C . A, S . , Vice-President and Actuary, Government Employees 1970
Ins . Co . . Chevy Chase, Md. 20076ADORNATO, PAUL D. , F, S, A, , Second Vice-President, Massachusetts Mutual Life 1972
Ins Co ., Springfield , Mass. 01111
19
20 Members
EnrolledAFFLECK, ALLAN D., F . S . A., F . C . I . A., Executive Vice-President, 1966
M & R Services , Inc , 920 Second Ave ., Seattle , Wash. 98104AGEE, JOHN E , , A . S. A ., Vice-President and Actuary , Lone Star Life Ins. Co, , 1968
Dallas, Texas 75235AIKMAN , ROY W . , A . S . A ., Consulting Actuary, 2108 W. 75th St, , Prairie Village, 1966
Kans 66208AIN, SAMUEL N . , F .C .A ., A S . A, , A, C . A . S . , Am Associates , Inc, , *1965
120 Broadway , New York, N . Y. 10005AIRD, STUART B ., F , S . A, , General Manager, Stenhouse Fund Management, Ltd., 1973
14 York PI ., Edinburgh FBI 3EX, ScotlandAITKEN. WILLIAM H., F . S . A . , F . C . 1, A ., Senior Vice-President and Actuary, 1975
Bankers Security Life Ins Society , Washington , D C 20006ALBERT, FAYE S, (Mrs ), F . S. A, , Actuary , Fort Dearborn Lite Ins Co . . 1972
Chicago , III 60601ALBRIGHT , MARIAN R . (Miss ) . F . S A , 863 Front St., Binghamton, N. Y, 13905 *1965ALDRICH. WILLIAM C . , F . C . A . S ., Associate General Counsel , Hartford Ins, Co , *1965
Hartford , Conn. 06115ALENIK. BERNARD, A . S . A ., Senior Actuarial Assistant, Metropolitan Life Ins, Cu . , 1967
New York , N, Y. 10010ALEXANDER , GEORGE, F. S . A ., F . C . I . A , President , Montreal Life Ins Co , 1966
West Montreal , Quebec H3A 1E4ALEXANDER , LEE M., F, C, A . S ., Actuary , Massachusetts Rating Bureau, *1965
Boston, Mass . 02110ALEXANDER , ROBERT A., JR. , A . S . A ., Manager , Group Actuarial Operations, 1971
Occidental Life Ins Co., Los Angeles , Calif . 90051ALEXANDER , SILAS J . , A . C . A., Vice-President , Insurance Operations, 1966
Government Personnel Mutual Life Ins . Co , San Antonio, Texas 78284ALFORD, CLARENCE L, , F . F . A .A ., 1128 Third National Bank Bldg , Nashville, *1965
Tern 37203ALLAN , HARRY E . , F . S. A, , A C, A, , Principal , Towers, Perrin. Forster & *l965
Crosby , 600 Third Ave ., New York , N, Y. 10016ALLAN, WILLIAM , F, S . A, , Senior Vice - President , Home Life Ins Co., *1965
New York, N . Y. 10007ALLARD, MAYNARD W ., Box 235, Braintree , Mass. 02184 1966ALLEN, EDWARD S ., F . C A, S, , Associate Actuary , Travelers Ins . Cu., *1965
Hartford, Conn 06115ALLEN, HAROLD G, , F. S, A . , Chairman, Bankers Life Co ., Des Moines, *1965
Iowa 50309ALLEN, HENRY G . , F. S .A. , Vice-President and Actuary , Equitable Life Assur *l965
Soc . New York , N, Y 10019ALLEN, HOWARD D . , F . S . A ., Vice - President , John Hancock Mutual Life Ins . Co, . *1965
Boston, Mass. 02117Al LEN. JAMES F , , A, S A , Actuary, Commercial State Lite ins . Co., 1971
St. Louis. MD. 63103ALLMAN, JOHN N., F . S . A . , Vice-President and Actuary , William M Mercer, Inc . *1f 65
1221 Avenue of the Americas , New York, N, Y. 10020ALLSTEADT , WAYNE E., F . S, A, , Actuary , The Wyatt Ca , One First National 1970
Plaza Chicago , Ill . 60603ALLSTROM , H. WILLARD, A . S. A . , A . C . A . , Vice-President and Senior Actuary, 1966
Union Labor Life Ins, Co., New York, N . Y. 10022ALPERN , LAWRENCE , A . S . A. . 1052 Thomas Rd., Glen Burnie , Md. 21061 1966ALPERT , FRANK J, , F , S . A . , Second Vice -President and Group Actuary, *1965
New Ynrk Life Ins . Cu , New York, N. Y. 10010ALTMAN, KENNETH , F . S . A . , Retirement System Actuary, New York State *1965
Employees ' Retirement System, Albany, N. Y 12225ALTSCHULER, MICHAEL C . , F. S . A , , Second Vice-President and Actuary, *1965
Travelers Ins Co ., Hartford, Corm, 06152ALFORD, MORGAN H., F, S, A . , 36 Stratford Rd , West Hartford , Conn . 06117 *1965AMLIE, WILLIAM P ., F.C .A . S. , Associate Actuary, Commercial Union Assur , Co., 1966
Boston , Mass, 02108AMODEO, ANTHONY E ., F, S. A ., Actuarial Assistant , Metropolitan Life Ins . Co., 1975
New York, N, Y 10010AMRINE, FRANK M ., A, S . A ., Actuary , Nationwide Corp., 246 N, High St., 1975
Columbus, Ohio 43216
Members 21
ANDEREGG, DAVID S , A . C A, , Consulting Actuary, Zischkc Organization Inc .,Enrolled
1966Crocker Plaza . San Francisco, Calif . 94104
ANDERSON, ALF H ., F . S . A ., Associate Actuary, IDS Life Ins . Co , Minneapolis 1969,Minn 55402
ANDERSON, ARNOLD H., Executive Vice-President, Life & Casualty Ins Co . 1967,Nashville, Tenn 37219
ANDERSON, ARTHUR W. . A. S . A. F. C . A. , Actuary, Johnson & Higgins 1970,Three Center Plaza, Boston, Mass. 02108
ANDERSON DONALD R F S A F C A F C, ., , , ., . . ., . . I . A ., President, 1975D. R. Anderson Assoc ., 390 Bay St ., Suite 2020 , Toronto, Ontario M5H 2Y2
ANDERSON. HENRY J , A S A ., F, C, A , Consulting Actuary. George B. Buck 1967Consulting Actuaries, Inc ., Two Pennsylvania Plaza, New York, N . Y, 10001
ANDERSON, HOMER G., A . S. A ., Second Vice- President , Group Dept . -Pension Div . , 1966Travelers Ins . Co., Hartford, Conn, 06115
ANDERSON, JAMES A ., F, S . A . , President, American Eagle Life Ins, Cc,, *1965Morristown, N . J . 07960
ANDERSON, JAMES C, 11. , A S A, , F, C, A. , Tillinghast & Co. . Inc . , Tower 1966Place, 3340 Peachtree Rd,, N.E., Atlanta, Ga . 30326
ANDERSON, LLOYD G., Actuary, Personal Lines, Farmers Ins . Group, 1967Los Angeles, Calif 90051
ANDERSON, NEIL M . , F . S .A., Senior Vice-President and Chief Actuary, *1965National Life & Accident Ins Co . , Nashville, Tenn, 37250
ANDERSON, PHILIP D, , A, S, A ., 25 Penny Meadow Rd ., Sudbury, Mass, 01776 1966ANDERSON, RICHARD A., Vice-President and Actuary, State Reserve Life Ins . Co. , 1966
Fort Worth, Texas 76102ANDERSON, ROY R, , F, S. A, , Vice-President, Allstate Ins . Co., Northbrook, *1965
111 60062ANDERSON, T. LOYAL, A . S. A, , Rt . 1, Box 252, Hayward, Wis . 54843 1966ANDREWS, EDWARD C . , A . C, A, S . , 19 Avalon Rd. , West Hartford, Conn 06119 1966ANDREWS, JAMES A ., F . S .A., Charles G, Bentzin Associates, 819 Title & Trust 1973
Bldg., 114W. Adams, Phoenix, Ariz . 85003ANGELL, DONALD C . , President, Angell & Disend, Inc ., 184 Taunton Ave, , 1971
Seekonk, Mass. 02771ANGER, GERALD B . , F, 5, A, Principal, Towers, Perrin, Furster & Crosby, Inc . , 1966
1100 Superior Ave , Cleveland, Ohio 44114ANGLE, JOHN C . , F . S.A. , Senior Vice- President and Chief Actuary, *1965
Guardian Life Ins Co New York N Y 10003.,. , . ,ANKER, ROBERT A ., F . C, A . S . , American State Ins Co . , Indianapolis, hid . 46208 1971ANTHONY. JOHN J . , F. S . A. , Consulting Actuary, Wakely & Assoc, , Inc., 1975
1467 Belleair Rd., Clearwater, Fla. 33516ANTLIFF, JOHN C, , F . S . A . , Vice-President, Group, Mutual Benefit Life Ins Cu ., *1965
Newark, N. J 07101APONTE, JUAN B, , M, C, A. , Box 21872, University Station, Rio Piedras, 1967
Puerto Rico 00931ARCHACKI RAYMOND J F S A Assistant A t a A ft L l, ,, , . ., u nac ry, e i e & Casua ty,
Hartford, Conn, 06115ARCHER, ALLAN K, , F. S . A ., F, C,1 . A ., Vice-President & Secretary,
1975
1969Administration, Northern Life Assur. Co ., London, Ontario N6A 4G3
ARCHER, GENE P ., F, S, A„ Technical Director, Seguros Independencia, *1965S. A Reforms 243, Mexico City 5 D, F, . Mexico
ARCHIBALD, A. EDWARD, F . S . A, , A . C . A, S ., 200 Richardson St-, *1965Lookout Mountain, Tenn 37350
ARCHIBALD, JOHN C . , F . S . A ., 1704 Luin Ln , Des Moines, Iowa 50322 *1965ARGANBRIGHT, A. DEAN, F . S . A , President, Wisconsin National Life Ins . Co ., 41965
Oshkosh, Wis. 54901ARIAL, DAVID B., A, S . A ., Actuary, Colonial Life & Accident Ins . Co., Columbia, 1971
S C . 29201ARLINGHAUS, CLEMENS G ., F.S.A., Vice-President, Metropolitan Life Ins, Co„ *1965
New York, N. Y. 10010ARMSTRONG, ROBERT H . , F, S, A, , F, C . I, A . , F .C.A ., 53913 Heritage Village, *1965
Southbury, Conn. 06488ARNAUD, VERDUN J . , Actuary, Golden State Mutual Life Ins . Cu., Los Angeles, 1970
Calif. 90018
22 Members
EnrolledARNOLD, DANIEL M . , F. S . A . , Consulting Actuary, Hooker & Holcombe, Inc, , 1969
125 La Salle Rd , West Hartford, Coin 06107ARNOLD, E. ALLEN, F . S, A ., F, C . A ., Actuary, The Wyatt Co ,
635 Sacramento St., San Francisco, Calif 94111*1965
ARVANITIS, ERNEST A, , F . S . A, , Actuary, Metropolitan Life Ins . Cc , New York , *1965N. Y. 10010
ARVIN, LEO, Manager, George B. Buck Consulting Actuaries, Inc .,Two Pennsylvania Plaza, New York, N. Y. 10001
1971
ASCHER, ROBERT W . , F, S. A. , Assistant Actuary, Metropolitan Life Ins, Co . , 1967New York, N. Y 10010
ASHMAN, CARL R., F, S. A . , 4938 W oodhurst Blvd., Fort Wayne, Ind 46807 *1965ASHTON, RICHARD D, , F . S . A . , Assistant Actuary, National Life Ins Co . ,
elierMont Vt 056021975
,pATHANASSIADES, THEODOSSIOS, F, S . A. , Actuary, Metropolitan Life Ins . Co ., 1967
New York, N Y, 10010ATTWOOD, JAMES A., F, S . A . , Executive Vice-President, Group Operations, +1965
Equitable Life Assur . Sue ., New York, N. Y. 10019ATWOOD, CLARENCE R, , F. C . A. S . , Casualty Actuary, State of California . 1970
Dept of Ins ., 600 S. Commonwealth Ave . , Los Angeles, Calif 90005AUSTER LAWRENCE S., F . S. A., Chief Actuary, Inter-Ocean Ins Ca ., 1975
Cincinnati, Ohio 45214AUSTIN, JOSEPH D ., F . S . A. . Executive Vice-President, Federal Life Ins, Co, *1965
(Mutual), Chicago, Ill. 60646AIITIN, A . ANTHONY, JR ., F, S . A, , Vice-President, Pricing and Risk Appraisal, 1968
Pan-American Life Ins Co . New Orleans, La 70119AUVINEN, THOMAS R ., F.S.A., Senior Vice-President and Actuary, 1972
College Life Ins . Co., Indianapolis, Ind. 46268AXELROD, JERRALD B., F, S . A, , Consulting Actuary, 31578 W, Nine Dr ., 1966
Laguna Niguel, Calif 92677
BABBITT. ALBERT E, , F . S . A . , 242 E . 19th St ., New York, N. Y. 10003 *1965BABBITT, STARR E ., A . S . A, , Assistant Actuary, National Life & Accident Ins . Co . , 1966
Nashville, Tenn 37250BADER, LARRY D . , F, S, A, , Consulting Actuary, Milkman & Robertson, Inc . , 1970
Suite 308, 8990 W . Dodge Rd ., Omaha, Nebr. 68114BACON, FRANCIS L., A . S . A., President, Bacon Assoc . Inc ., Pegan Ln,, Dover, 1966
Mass 02030BACON, ROBERT A . , F S . A, , Huggins & Co ., Inc ., 1401 Walnut St., *1965
Philadelphia, Pa . 19102BADER, LAWRENCE N., F . S, A., Vice-President and Actuary, William M. Mercer, 1975
1221 Avenue of the Americas . New York, N. Y 10020BAECKSTROM, MARIANNE (Mrs .), A . S . A ., Assistant Actuary, Towers, Perrin, 1966
Forster & Crosby, Inc ., Centre Square West, 15th & Market Sts . . Philadelphia,Pa 19102
BAGLEY, W. NELSON, JR., A .S . A., Assistant Secretary, Auditing, 1966Connecticut Mutual Life Ins . Co., Hartford, Conn . 06115
BAGSIIAW, JAMES J ., F . C . A, , A. S . A, , President, Keath P . Gibson Co. and 1966Modular Pension Systems, Ltd, , 23 Hillside Ave ., Metuchen, N. J, 08B40
BAGWELL, W, RAY, A, S A. , Vice-President and Actuary, Southern Life 1967Ins Co . , Greensboro, N, C . 27420
BARN, DAVID J . , F . S .A ., Executive Assistant, Georgia International Life Ins . Co., 1973Atlanta, Ga . 30309
BAILEY EARLE E ., M . C . A ., Consulting Actuary, 5826 Fox Hill Ln,, Dallas, 1966Texas 75232
BAILEY, JAMES R. , JR., F, S . A., Vice-President and Group Actuary, *1965Protective Life Ins. Co., Birmingham, Ala. 35202
BAILEY, JOHN E, , F .S . A ., Assistant Actuary, Northwestern Mutual Life Ins Co , 1970Milwaukee, Wis. 53202
BAILEY PAUL M ., F.S.A., Executive Assistant, John Hancock Mutual Life *1965Ins . Co., Boston, Mass . 02117
BAILEY, ROBERT A., F.C . A . S . , Actuary-Director of NAIC Data Base, National 41965Association of Ins. Commissioners, 633 W . Wisconsin Ave, , Suite 1015,Milwaukee, Wis. 53203
Members 23
EnrolledBAILEY, ROBERT C„ F . S . A_ Vice-President and Actuary , Equitable Life *1965
Ins . Co., Washington, D, C . 20016BAILEY , SIDNEY M. T ., F . S . A . , 64 Claude St ., Beaconsfield , Quebec H9W 4G2 1968BAILEY, WILLIAM A, , F, S . A ., Consulting Actuary , Milliman & Robertson, Inc., *1965
200 Executive Dr ., Brookfield, Wis. 53005BAILEY, WILLIAM E . , M.C.A., P.O. Box 21453 , Columbia , S . C . 29221 1970BAILIE, ALEXANDER J ., F, S . A ., Vice - President and Actuary, Metropolitan L
Ins Co ., New York . N. Y 10010ife *1965
BAIN, PETER C, , A, 5 . A ., Actuary, Blue Cross of Northern California , Oakland, 1969Calif 94659
BAINBRIDGE , THOMAS G ., A . S, A ., Assistant Actuary, George B Buck ConsuActuaries , Two Pennsylvania Plaza , New York, N Y. 10001
lting 1972
BAINE, MORTON B., Vice-President . Lokietz & Baine P . C ., 3 N. Main St ., 1966Freeport , N. Y. 11520
BAIRD, STEPHEN E . . F.S . A ., Consultant , Towers , Perrin, Forster & Crosby , Inc , 1974233 S. Wacker Dr., Chicago, I11 . 60606
BAITLER, SIMON C ., F. 8,A., Occidental Life Ins . Co , Los Angeles, Calif 90054 1975BAKER , EDWARD H., F , C . I . A ., F, S. A ., Vice - President and Actuary , Capitol 1967
Life Ins . Co., Denver , Colo . 80201BAKER, JOHN K., F, S, A , , Associate Actuary, John Hancock Mutual Life Ins . Co . , 1969
Boston, Mass . 02117BAKOS, THOMAS L., F, S . A, , Vice - President and Actuary , Lincoln American 1972
Life Ins . Co . , Memphis , Tenn. 38103BALCAREK, RAFAL J., F . C A, S, , Vice-President and Actuary, Reliance Ins Co , *1965
Philadelphia, Pa. 19103BALDWIN , WILLIAM D , , F S . A, , M . C, A., F . C, I, A ., Vice - President , Tillinghast 1973
& Co., Inc . Tower P1 , 3340 Peachtree Rd ., N. E . , Atlanta, Ga 30326BALEDES , THEODORE E., F . S . A . , Second Vice - President , Travelers Ins . Co ., 1967
Hartford , Conn 06115BALKO, KAREN H, (Ms .), F . C . A . S, , Senior Actuarial Assistant , Hartford Ins . 1975
Group, Hartford , Conn. 06115BALL, FRANK M., Vice-President, Actuary , Cal-Farm Life Ins . Co , Berkeley, 1969
Calif. 94705BALLANTYNE , HARRY C . , A, S . A, , Actuary , Social Security Administration, 1971
6401 Security Blvd . , Baltimore , Md. 21235BALLARD , JOHN D , A. S A . F F A. A . , F. C. A. , Consulting Actuary , Taylor, *1965
Ballard & Co , 321 Third St S . E , Cedar Rapids , Iowa 52406BALLARD, LARRY C ., F . S . A, , Vice-President, Allstate Life Ins . Co., * 1965
Northbrook , 111 . 60062BANNISTER, DAN W., A . C . A, S . . President, Horace Mann Educators Corp , 1971
Springfield, Ill . 62715BARAD, EDWARD L, , A . S. A ., Assistant Vice -President and Actuary, Johnson & 1969
Higgins of California , 4201 Wilshire Blvd., Los Angeles , Calif . 90010BARATKA, JOHN H., A . S . A., The Wyatt Co ., Suite 4545, One First National Plaza, 1972
Chicago , 111 . 60603BARBER, HARMON T., F, C . A . S, , 18 Ridgewood Rd., Windsor , Conn 06095 #1965BARBER, WILLIAM L., F . S. A ., F, C, I . A ., Vice-President and Secretary, *1965
Insurance Operations , American Mutual Life Ins. Co., Des Moines , Iowa 50307BARBER, WILLIAM P ., JR., F, S, A ., 13 156th Ave . , Redington Beach, Fla . 33708 *1965BARDSLEY , LEONARD J . , A, S . A ., Manager, Foreign Exchange Section, 1971
E . I de Pont de Nemours & Co., Wilmington, Del, 19898BARHAM , THOMAS C ., III, F . S . A., American Benefit Corp ., 401 11th St. , * 1965
Huntington , W. Va 25701BARKE , ROBERT C ., A. C, A, , President , Barke-Anderson & Assoc , , Inc ., 1966
625 Second Ave S , Minneapolis , Minn. 55402BARKER, LORING M ., F . C . A, S ., Assistant Vice-President and Actuary, *1965
Fireman ' s Fund American Ins Cc , San Francisco , Calif. 94120BARLOW, LUCINDA B . ( Mrs ), Associate , Edward J . Peters & Assoc ,, Inc . , 1969
3550 Washington Blvd ., Indianapolis , Ind 46205BARNABY, CHARLES H ., F S A., Vice - President , Equiniatics , Inc ., *1965
1025 Elm St , Dallas , Texas 75202BARNES , ROBERT L., F . C, I, A ., F, S, A . . Actuary, The Wyatt Co ., One First 1967
National Plaza , Chicago, 111 . 6060
24 Members
Enrolled
BARNHART, E . PAUL, F . S . A . , Consulting Actuary, 130 S . Bcniiston Ave .,St. Louis, Mo 63105
*1965
BARNHART, LYLE H., A . S . A, , F . F . A, A,, A .C.A. , 801 Tenth Ave ., Fulton, *1965Ill. 61252
BARRETT, EDWARD W., F. S, A, , Associate Actuary, Occidental Life Ins , Cc,, 1967
Los Angeles, Calif 90051BARRETT, WILLIAM A. , A.S.A., M.C.A., Consultant, Towers, Perrin , Forste
& Crosby, Inc ., 1900 Bldg ., Century City, Los Angeles, Calif . 90067r 1970
BARRY, DENNIS H ., F . S. A., First Farwest Corp., 812 S . W. Washington,97205
1975
Portland, Oreg .BART, ROBERT D ., F . C . A, S ., Director, West Bend Mutual Ins Co ., West Bend, *1965
Wis 53095BARTIK, ROBERT F . . F . C . A . S . , Assistant Actuary, Kemper Ins Group, 1969
Long Grove, Ill 60047BARTIMER, HERMAN, F S. A. , A C A . . Vice-President, Group Pensions,
Metropolitan Life Ins . Co., New York, N. Y. 10010*1965
BARTLESON, EDWIN L. , F, S . A . , Rt, I, Box 105, Clinton, Miss 39056 *1965BARTLETT, DAPHNE D. (Mrs . ), F . S . A , Second Vice-President and Associate
Actuary, Occidental Life Ins, Co ., Los Angeles, Calif 900511972
BARTLETT, DWIGHT K . , III, F, S . A . , Senior Vice-President, Monumental LifeIns . Co., Baltimore, Md. 21202
*1965
BASH, FLOYD A., JR., A . S . A . . Actuary, Interstate Life & Accident Ins . Co, ,Chattanooga, Tenn . 37402
1966
BASH, JOHN K., F, C . A ., 72 Birch Rd., Port Republic, Md, 20676 *1965BASS, FREDERICK B. , F . S. A. . Retirement Plans, Inc., 239 Hanna Bldg .,
Cleveland, Ohio 441151975
BASSETT, PRESTON C, , F, S . A . , F . C . A, , Vice-President and Actuary, Towers,Perrin, Forster & Crosby, Inc , 600 Third Ave New York, N Y . 10016
*1965
BASSIN, ROBERT, Vice-President, Management Applied Programming, Inc ,6420 Wilshire Blvd , Los Angeles, Calif. 90048
1967
BASSLER, CHARLES G ., A, F . A. A, , Actuary-Accountant, Bassler & Co .,1544 Woodruff St . , Pittsburgh, Pa. 15220
1966
BATCHELDER, WILLIAM H ., F. S. A. . Vice-President and Actuary, Western FarBureau Life Ins Co., Denver, Colo . 80203
m 1971
BATEMAN, D, H. SAMUEL, F, S. A, , Actuary, Metropolitan Life Ins, Co . ,New York, N . Y 10010
*1965
BATES, EUGENE W ., F.S.A., Senior Vice-President, Western & Southern LifeIns . Co, , Cincinnati, Ohio 45202
*1965
BATES, JAMES M ., A . S. A ., President, Ohio State Life Ins . Co., Columbus, 1966Ohio 43215
BATHO, BRUCE W . , A, S . A . , A, C . A, S, , Executive Vice-President, Administration, 1967Life Ins . Co of Georgia, Atlanta, Ga . 30308
BATHO, ELGIN R. , F. S.A . , F, C . A, S . , 5219 Tower Dr, , Cape Coral, Fla 33904 *1965BATTAGLIN, BERNARD H . , A . C . A . S . , Insurance Services Office, 160 Water St . 1970
New York, N, Y. 10038BATTEN, ROBERT W . , F, S, A, , Professor of Actuarial Science, Georgia State 1969
University, University Plaza, S . E . , Atlanta, Ga . 30303BATTLE, WILLIAM R . , F, S . A. , President, Shenandoah Life Ins, Co ., Roanoke, *1965
V a . 24029BAUCOM, BENNIE W., F . S.A,, Vice--President and Actuary, Provident Life & 1971
Accident Ins . Co, , Chattanooga, Tenn 37402BAUER, NICHOLAS, F . S. A ., F, C . I, A ., Vice-President and Actuary, Montreal Life 1968
Ins. Co . , Montreal , Quebec H3A 1E4BAUSH, MARY ( Miss), A . C A., Vice-President, Huggins & Co . . Inc ., 1969
1401 Walnut St . , Philadelphia, Pa 19102BAYLES, RICHARD E., F, S . A . , Associate Actuary, New England Mutual Life *1965
Ins, Co ., Boston, Mass . 02117BAYO, FRANCISCO, A . S . A ., Deputy Chief Actuary, Social Security Administration, 1968
Suite 700, ALTM Bldg 6401 Security Blvd . . Baltimore, Md. 21235
BEACH, MORRISON H . , F .S.A., V . C . I. A. , President and Chairman of the Board, *1965The Travelers Corporation, Hartford, Conn . 06115
BEAIRD, B. LYNN, A.S.A., Associate Actuary, The Wyatt Co ., 6610 Harwin Dr , 1969
Suite 274, Houston, Texas 77036
Members 25
EnrolledBEAIRD, V. CLARK, A . S . A ., F . C, A ., Vice- President , The Wyatt Co.,
1900 Republic National Bank Tower. Dallas, Texas 752011966
BEALES, JOHN H, , JR ., Associate Actuary, United Ins . Co. of America, Chicago , 1969Ill . 60601
BEAN RICHARD W ., Actuary, State of California, Dept of Ins .600 S . Commonwealth Ave , Los Angeles, Calif . 90005
1967
BEARD, ALLEN R , Herget & Co., Inc ., 15 Charles Plaza, Baltimore, Md . 21201 1966BEARDSLEY, CHARLES M, F, S . A, , F, C . I, A, , F C . A ., Chairman and Chief
Executive Officer, Booke & Cu , P 0. Box 66, Winston-Salem, N C . 27102*1965
BEASLEY, FLOYD T„ F.S.A., Vice-President and Actuary, Equitable Life Ins *1965Co. of Iowa, Des Moines, Iowa 50306
BEATTIE, NORA M . (Miss), F S .A , Vice-President and Actuary, New York LifeIns. Co., New York, N. Y 10010
*1965
BEATTIE, ORVILLE C ., F, C . A, , Chairman of the Board, A. S Hansen, Inc .,150 N . Wacker Dr., Chicago, 111 . 60606
*1965
BEATTY, CHESTER D., F S, A ., F, C .1 . A ., Executive Officer, Group Insurance, 1967Imperial Life Assur . Cu., Toronto, Ontario M4V 1N7
BECKER, MURRAY L„ F, S, A„ Vice-President, Johnson & Higgins, 95 Wall St , *1965New York, N Y 10005
BECKER, TED, A . S . A ., Staff Actuary, State Board of Ins ., Austin, Texas 78786 1966BECKERT, THOMAS A., F, S, A., Group Actuary, Ohio National Life Ins . Co .,
Cincinnati, Ohio 452011966
BECKMAN, RAYMOND W,, F .C,A, S ., Consulting Actuary. Booz Allen ConsultingActuaries, 660 Newport Center Dr . , Newport Beach, Calif. 92625
1973
BEDNAR, ROBERT J ., A. S .A. , Metropolitan Life Ins Co., New York, N. Y 10010 1967BEEBE, ROGER O . , F, S, A ., Assistant Actuary, Life Ins . Cu of Georgia. Atlanta , 1975
Ga. 30308BEEKMAN, JOHN A, , A, S, A . , Processor, Dept. )[Mathematical Sciences .
Ball State University, Muncie, Ind . 473061970
BEERNINK, DARRELL W, , F . S. A. , Actuary, State Farin Life Ins . Cc ,Bloomington, III 61761
IncPerrin Forster & CrosbPrin i al TowersCLYDE D F S AERS
1969
1971, y,p , ,., . . ., c,BECentre Square West, 15th & Market Sts . . Philadelphia, Pa 19102
,
BEERS, HENRYS ., F, S, A . , 26S Hollister Way West, Glastonbury, Conn . 06033 *1965BEERS, JOSEPHINE W . (Miss), F . S . A, , P 0 Box 239, Hermosa Beach, *1965
Calif, 90254BEILES, HERBERT N, , F . S . A ., F . C . I. A., Group Actuary, Pensions, Crown Life
OntariotI C T1971
oron o,ns . o .,BEIN, ROBERT L., F, S, A, , Vice-President, Johnson & Higgins, 95 Wall St ., 1971
New York, N. Y. 10005BEIRNE, JAMES A, , A . S . A, , Assistant Chief Actuary, New York City Employees
Retirement System, 220 Church St . . New York, N, Y, 100131971
BEISENHERE, ROBERT L, , F, S . A ., Consultant, Buchaiian and Lewis, Inc , 19747540 Lyndon B . Johnson Fwy, , Suite 634, Dallas, Texas 75420
BELDEN, HENRY E ., F . C.A., 85 San Miguel Rd , Pasadena, Calif. 91105 *1965BELL, ALLAN A., A, C . A . S ., Associate Actuary, State Farm Fire & Casualty Cn., 1969
Bloomington, Ill 61701BELL, MAX S ., F . S . A ., Apt 501 . The Dorset, 1301 N Harrison St , Wilmington, 41965
Del, 19806BELL, S, ALEXANDER, A,C .A., Peat, Marwick, Mitchell & Cu ,
222 S . Riverside Plaza, Chicago, Ill . 606061966
BENBROOK, PAUL, F . C . A . S ., Executive Vice-President, Maryland Casualty Cc,, *1965Baltimore, Md 21203
BENDER, RAYMOND W ., F . S . A ., Vice-President and Associate Actuary,Prudential Ins, Co., Newark, N J. 07101
*1905
BENEDICT, ELMER R. , F . S .A., 145 Pinckney St , Apt 121, Boston, Mass . 02114 *1965BENEDICT, ROBERT C ., F . S .A., Second Vice-President and Actuary,
California-Western States Life Ins, Co ., Sacramento, Calii 958141974
BENJAMIN, ROY R., F . S . A ., 7864 Third Ave , S ., St Petersburg, Fla. 33707 *1965BENNETT. MELVIN D, , F, S. A , Actuarial Director, Group lm, ., Prudential *1965
Ins . Co., Newark, N. J. 07101BENNETT, MICHAEL A., F . S . A ., Consulting Actuary, 149 Albert St, , Waterloo,
Ontario N2L 3T21973
26 Members
EnrolledBENNETT, NOAH H, , JR. , A. C . A., Vice-President and Actuary, 1968
North Carolina Mutual Life Ins . Co , Durham, N C . 27701BENNETT , NORMAN J . , F . C . A . S ., Vice -President and Actuary, *1965
Continental Ins . Co . New York, N. Y 10038BENSON , LAWRENCE E„ Vice-President , Mutual Service Insurance , St. Paul, 1969
Minn, 55104BENTZIN, CHARLES G . , F . S . A. , Charles G. Bentzm Assn. , Inc ., 819 Title and *1965
Trust Bldg . , Phoenix , Ariz. 85003BEN-ZVI. PHILLIP N ., F . C . A . S . , Actuary, Royal-Globe Ins Cos , New York, 1969
N. Y. 10038BERAM , GEORGE, F . S . A., George Beram, F . S, A . & Assoc ., 25 Rutland St., 1972
Carlisle, M ass. 01741BERG, ROY A., JR . , A, C, A . S ., Vice -President and Actuary , Old Republic Life 1966
Ins Co . , Chicago , Ill 60601BERG, WILLIAM D . . F . S, A . , Research Actuary, Phoenix Mutual Life Ins. Co , *1965
Hartford . Conn, 06115BERGEN, JOSEPH S., A. C . A ., Director of Group Pension Consulting Services, 1966
Prudential Ins . Co ., Florham Park , N J . 07932BERGEN , ROBERT D., F . C . A . S., Assistant Vice-President and Actuary, 1972
Great American Ins . Group , Cincinnati , Ohio 45202BERGER, GOTTFRIED O . , President , Cologne Life Reinsurance Co., Stamford, 1969
Conn. 06904BERGIN, JAMES L ., F, S, A . , Actuary, American Health & Life Ins, Co . . 1973
Baltimore, Md. 21202BERGQUIST , WAYNE E., F. S . A., F . C . I . A ., Taxation Officer , Great -West Life 1975
Assur . Co, , Winnipeg , Manitoba R3C 1V3BERGSTRESSER , R. L . , F . S . A . , Consulting Actuary , 50 Maple St , Bloomfield, 1969
N J . 07003BERIN , BARNET N , F. S . A . , F. C . A., Director , Pension and Actuarial, *1965
William M Mercer, 1221 Avenue of the Americas , New York , N, Y 10020BERKELEY , EDMUND C,, F . S, A ., President, Berkeley Enterprises , Inc , *1965
815 Washington St , Newtonville , Mass, 02160BERKEY, STEPHEN H ., F . S . A ., Vicc-President and Actuary . Lincoln National 1971
Life Ins . Co ., Pearl River , N. Y 10965BERKOWITZ , MICHAEL H . , F, S . A . , Senior Vice - President and Associate Actuary . 1970
Colonial Life Ins . Co., East Orange , N. J. 07019BERMAN, MELVYN E ., A . S . A ., Actuary , Veterans Administration, 1970
5000 Wissahickon Ave . , Philadelphia , Pa 19101BERNE , DAVID H ., F, S, A. , 860 E 15th St . , Brooklyn, N. Y 11230 1966BERNSTEIN , LARRY, F . S . A. , Assistant Actuary. Metropolitan Lite Ins. Co , 1969
New York, N. Y 10010BERQUIST, JAMES R., F . C . A. S ., Consulting Actuary , Millunan & Robertson , Inc . , *1965
251 S . Lake Ave . , Suite 400, Pasadena, Calif, 91101BERRY, GEORGE I, ., F, S, A, , Consulting Actuary . Milliman & Robertson , Inc., 1970
150 Strafford Ave ., Wayne , Pa, 19087BERRY, WILLIAM J,, F, S, A . , 252 Everett Pl., Englcwood , N, J 07631 *1965BERTOLDO, ROY J., A . S, A ., Vice - President, Johnson & Higgins of California, 1967
601 California St , San Francisco , Calif . 94108BERTRAM , JOHN C., F , S . A, , Vice - President and Chief Actuary, Durham Ins Co , *1965
Raleigh . N . C. 27611BET Z, CARL W, , F, C, A ., 1806 N . W. Palmoroft Dr , Phoenix , Ariz. 85007 1969BEVAN , JOHN A, , F, S . A ., Actuary , Individual Product and Financial Dept ., *1965
Connecticut General Life Ins, Cn , Hartford , Conn 06152
BEVAN, JOHN R ., F, C . A . S . , Vice-President and Actuary , Liberty Mutual Ins. Co , *1965Boston, Mass. 02117
BHAVE, SHASHIKANT K ., A, S, A., Assistant Vice- President. Huggins & Co , Inc., 19711401 Walnut St , Philadelphia , Pa. 19102
BICKEL, STEPHEN D ., F . S.A., Vice-President and Actuary , American General 1972Life Ins, Co. , Houston, Texas 77001
BICKERSTAFF, DAVID R., F, C . A, S ., Consulting Actuary, Milkman & 1969
Robertson , Inc ., 251 S . Lake Ave Pasadena, Calif . 91101BIDDLEMAN , ALBERT F,, Director , Customer Service , Connecticut General Life 1968
Ins . Cc , Hartford , Conn. 06152
1Vfemberc 27
EnrolledBIDELMAN, WAYNE D ., F . S . A . , Director of Reinsurance Sales Services, 1974
Security Life of Denver, Denver, Colo. 80202BIERSCHBACH, RAYMOND A. , F, S, A, , Executive Vice-President, Occidental Life *1965
Ins Co of California, c/o Futura Lehersuersickerung AG, 62 WiesbadenBachmayerstr . 2, Germany
BIESE, FRANK W., F . S . A, , Vice-President, Medical Research, Metropolitan Life *1965Ins . Co., New York, N, Y 10010
BIGGS, JAMES F. A ., F . S . A. , Principal, Peat, Marwick, Mitchell & Co., *1965345 Park Ave , New York, N Y. 10022
BIGGS, JOHN H., F. S . A . , Vice-President and Controller, General American Life *1965Ins Co ., St . Louis, Mo 63166
BILELLO. FRANK L. . M C A. , Supervisor, Coopers & Lybrand, 1251 Avenue 1970of the Americas, New York, N . Y, 10020
BILISOLY, RICHARD S. . F . S . A. . F C. A, , Actuary, The Wyatt Co., One First 1966National Plaza, Chicago, Ill . 60603
BILL, RICHARD A ., Actuary, Country Mutual Ins Co , Bloomington, Ill 61701 1973HILLMAN, ELMER, F, S, A ., Vice-President and Actuary, Pilot Life Ins . Co., *1965
Greensboro, N C . 27420BILSBORROW, JOHN E, , Senior Vice-President, Benefit Trust Life Ins . Cc , 1967
Chicago, 111, 60626BINGHAM, ALBERT A., F, S . A . , Vice-President, Health Insurance, Mutual of *1965
New York, Syracuse , N . Y. 13202BIRKENSHAW, JOHN T . , F . S . A. , President, Mony Life Ins, of Canada, Don Mills, 1966
Ontario M3C 1V2BISHOP, DONALD B., F . S . A ., Hewitt Associates , 102 Wilmot Rd ., Deerfield, 1971
Ill . 60015BISHOP, WILLIAM D., F . S . A . , F . C . I . A ., Associate Actuary, Pacific Mutual Life *1965
Ins . Co. , Newport Beach, Calif . 92663BITTEL, W. HAROLD . F, S, A ., A . C . A . S ., 105 Kensington Ave . . Trenton, 41963
N. J. 08618BITZER, J. FREDERICK, F.S.A., Vice-President Fred S . James & Co. of *1965
Connecticut, 250 Constitution Plaza, Hartford, Conn. 06103BLACK, BARRY M ., F . S . A . , Assistant Actuary, Teachers Ins . & Ann. Assn. , 1974
New York, N . Y. 10017BLACK, FORREST E ., JR. , F . S . A . , President, Carhn-Black Co, , 1941 Bishop Ln . , *1965
Louisville, Ky . 40218BLACK, HAROLD W. , A . S. A, , F . C, A, , President, H . W, Black & Assoc . , Inc., 1966
306 Gay St . , Nashville, Tenn . 37201BLAGDEN, HENRY E., F . S, A ., 37 Balmoral Dr., Berkeley Heights, N, J. 07922 *1965BLAIR, B, FRANKLIN, F, 5, A, , 64 Princeton Rd . , Havertown, Pa 19083 *1965BLAKE, WILLIAM H ., JR ., F .S.A., Second Vice-President and Actuary, *1965
Acacia Mutual Life Ins . Co., Washington, D . C, 20001BLAKESLEE, HOWARD W ., F .S.A., Actuary, New York Life Ins . Co., New York, 1969
N. Y. 10010BLAND, WILLIAM H ., F, C . A, S . , Associate Actuary, Aetna Life & Casualty, 1970
Hartford, Conn, 06115BLANKLEY, DONOVAN T ., F, C, A., A, S . A ., Coopers & Lybrand, 1966
1251 Avenue of the Americas, New York, N, Y. 10020BLANTON, RICHARD C . , Actuary . Bankers Fidelity Life Ins, Co., Atlanta 1970
Ga 30309BLATCHFORD, LYND T., F . S. A, , Vice-President, Connell Cc,, 275 Wyman St ., 1967
Waltham, Mass, 02154BLATTENBERG, ROBERT C., Vice-President and Actuary, National Fidelity Life 1967
Ins . Co ., Kansas City , Mo. 64106BLATTNER, GARY L, , F, S . A ., Associate Actuary, Nationwide Life Ins . Co. , 1971
Columbus, Ohio 43216BLAZER, BARRY L ., F, S. A . , National Director, Insurance Actuarial Services, 1969
Coopers & Lybrand, 1251 Avenue of the Americas, New York, N. Y. 10020BLEAKNEY, THOMAS P ., F . S . A ., F . C . I . A ., F, C . A., Consulting Actuary, *1965
Milliman & Robertson , Inc , 914 Second Ave , Seattle , Wash. 98104BLEECKER, D. LORNE, F, S .A., Assistant Actuary, Imperial Life Assur . Co , 1968
Toronto, Ontario M4V 1N7BLEYLER, PETER A. , F, S, A, , M, C, A, , Vice-President . Alexander & 1972
Alexander, Inc ., 2 N . Riverside Plaza, Chicago, 111 . 60606
28 Members
EnrolledBLOCH, MAX, F . C . A ., 221 W. 82nd St , New York, N. Y. 10024 1967BLOCK, RONALD A ., F . S . A. , Associate Group Actuary, Monumental Life Ins . cu., 1974
Baltimore , Md. 21202BLOCK , STEPHEN D ., A . S . A ., Senior Mathematician , Guardian Life Ins, Co. , 1970
New York, N, Y. 10003BLODGET HUGH R., F . C . A . S . , Assistant Vice-President, Investor Relations, *1965
Aetna Life & Casualty, Hartford, Conn. 06115BLOODWORTH, LUCIAN F ., F . S . A, , Vice- President , Group Dept, , Protective Life 1968
Ins Co ., Birmingham, Ala. 35202BLOOMFIELD , COLEMAN, F . S, A, , President , Minnesota Mutual Life Ins CA , *1965
St, Paul , Minn 55101BLOSSOM, CHARLES N., JR., Actuary and Assistant Secretary . Concord General 1966
Life Ins Co., Concord, N. H 03301BLOUNT, WILLIAM IT ., F, S . A . , Assistant Actuary . Meidinger and Assoc., Inc., 1972
2440 Grinstead Dr ., Louisville, Ky, 40204BLOYER, JAMES Ft ., F . S. A. , Second Vice-President and Actuary, 1972
Northwestern National Life Ins . Cc_ Minneapolis, Minn . 55440BLUMENFELD, M, EUGENE, A, C . A. S ., A, C . A., Assistant Actuary, Bankers Life 1966
& Casualty Co., Chicago, Ill, 60630BOATRICHT, DAVID J ., A, S . A ., President, D, 3 . Boatright, Inc ., 327 S. La Salle, 1970
Chicago, Ill 60604BODEN, DONALD E ., Managing Director , Marsh & McLennan Benefits 1969
International , Ltd. , 2 Southampton Pl., London, WC lA 2DA, EnglandBODEN, JOHN A ., F, S .A., President, Actuarial Consultants, Inc , 1974
1801 Century Park East, Suite 1601, Los Angeles, Calif 90067BODINE, ANDREW F . , F, S, A ., Vice-President & Actuary, Inter-State Assur. Cc , 1966
Des Moines , Iowa 50308BOECKNER, ROBERT G., F, S .A ., F . C . 1, A ., Actuarial Vice-President, 1973
Crown Life Ins. Co. , Toronto, Ontario M4W 1138BOEHM, C, POLAND, F . S . A . , Assistant Actuary, General American Life Ins, Cc,, 1969
St . Louis, Mo . 63166BOERMEESTER, JOHN M . , F, S, A ., 980 South St . , Needham, Mass. 02192 *1965BOGARDUS, WILLIAM L., F . S . A, , Assistant Actuary, Group Dept., 1972
Lincoln National Life Ins . Co, , Fort Wayne, Ind. 46801BOGATY, JEANETTE D . (Mrs ), 22 Glen Brook Crest Dr ., Short Hills, N J . 07078 1966BOGGIO, WALTER E,, Assistant State Actuary, Commonwealth of Massachusetts, 1971
Division of Savings Bank Life Ins , Boston, Mass. 02108BOITN, ROBERT J ., F . 5, A, , Actuary, Franklin Life Ins . Co . , Springfield, Ill, 62713 1966BOIN, BRUNO V . , F, S . A, , Consulting Actuary, Milliman & Robertson, Inc., 1971
914 Second Ave , Seattle, Wash. 98104BOLEY, RUSSELL A ., F . S . A . , Consulting Actuary, Nelson & Warren, Inc , 1971
5750 W 95th St., Overland Park, Kans . 66207BOLIN, BOB J . , F .S.A., Vice- President and Actuary, Southland Life Ins . Co. , 1967
Dallas, Texas 75221BOLIN, MADGE EDWARDS F . S . A ., A . C . A., Vice- President and Senior Actuary, 1967
Booke & Co., P O . Box 66 , Winston-Salem, N C. 27102BOLNICK, HOWARD J, , F, S . A ., A, C . A., Actuary and Managing Director, 1972
Continental Assiir . Co , Chicago, Ill, 60685BOLTON, WILBUR M., F . S, A . , Associate Actuary, Occidental Life Ins, Co ., *1969
Los Angeles, Calif 90054BOND, JOHN J., A . S . A., Consulting Actuary, Towers, Perrin, Forster & 1966
Crosby, Inc., Centre Square West, l5tl & Market Sts ., Philadelphia, Pa . 19102BONDY, MARTIN, F, C . A, S, , Vice-President and Actuary, Crum & Forster *1965
Ins . Cns, , New York, N, Y, 10038BONNARD, FERNAND, F .S,A., Vice-President, Financial Controls, Provident Life *1905
and Accident Ins . Cu , Chattanooga, Tenn . 37402BONNEL, RALPH D . , F . F, A. A . , Actuary, 3912 Azalea St . , Colorado Springs, *1965
Colo. 80907BOOHER, J. EARNEST, F, S . A ., 166 Ralston Aye., South Orange, N, J, 07079 *1965BOOKF., SAMUEL L , F . S, A , F, C A , Chairman, E-,ecutivc Committee, Booke '1965
& Co . , P .O. Box 66, Winston-Salein . N . C. 27102BOOTH, ALLEN D, , F . S .A., Actuary, Marketin*, Jefferson National Life Ins . Co. , 1974
Indianapolis , Ind, 46204
Members 29
EnrolledBOOTH, JOHN K., F . S .A., Associate Actuary, American Life Ins . Assn., 1969
1730 Pennsylvania Ave ., N, W., Washington, D. C . 20006BOOTHROYD, HERBERT J ., F, S . A, , Vice-President, New England Mutual Life *1965
Ins . Co., Boston, Mass, 02117BORDEN, NATHAN B., A .S . A., Associate Actuary, The Wyatt Co. , 1966
1629 K St ., N.W., Washington, D . C. 20006BORDEN, RICHARD D ., A. C . A ., Consulting Actuary . 3806 S . E . Rural St . . 1966
Portland, Oreg. 97202BORDEWICK, JAMES R ., F, S . A., Consulting Actuary . George V. Stennes & 1966
Assoc., Suite 600, 2850 Metro Dr ., Bloomington, Minn. 55420BORNHUETTER, RONALD L ., F, C . A . S . , Senior Vice-President, Comptroller, *1965
General Reinsur. Corp., 600 Steamboat Rd ., Greenwich, Conn. 06830BORTON, DOUGLAS C . , F, S . A ., F, C, A., F . C . I, A ., Senior Vice-President and *1965
Chief Actuary, George B, Buck Consulting Actuaries, Inc, .Two Pennsylvania Plaza, New York, N, Y, 10001
BOSWELL, RICHARD L„ F . S . A. , Vice-President and Actuary, National Western 1975Lice Ins . Co., Austin, Texas 78701
BOTHMANN, HORST P., M . C . A,, Wakely & Assoc ., Inc ., 1467 Belleair Rd., 1971Clearwater, Fla. 33516
BOTIGN, LEROY V., F . S . A., Vice-President and Corporate Actuary, *1965Continental Assur . C6,, Chicago, Ill . 60685
BOUCHER, PAUL E., A, S. A ., Associate Director, Pension Services, 1970Prudential Ins . Co., Fort Washington, Pa . 19034
BOULET, GERALD F , A, S. A. . F. C . A. , Actuarial & Computer Services, 196636 S, Main St., Sharon, Mass . 02067
BOURDEAU, PAUL T ., F . S . A. , Second Vice-President and Actuary, *1965Travelers Ins. Co., Hartford, Conn . 06115
BOWERS, NEWTON L,, JR., F.S. A„ Professor of Actuarial Science, College of *1965Business Administration, Drake University, Des Moines, Iowa 50311
BOWLES, THOMAS P . JR. . F. S. A. , F, C. A, , F F . A. A. , (President), 41965Advisory Director, Tillinghast & Co ., Inc., Tower Place,3340 Peachtree Rd., N.E., Atlanta, Gra . 30326
BOWLING, THOMAS B ., F, S . A ., Actuary, American International Life Assur Co . , 1966Wilmington, Del, 19801
BOWMAN, GLENN L . , A, C . A. , 3908 Muskogee St ., Des Moines, Iowa 50312 1966BOWMAN. WILLIAM H, . F, S . A . . Associate Actuary, Massachusetts Mutual 1973
Life Ins . Co., Springfield, Mass, 01111BOYAJIAN, JOHN H, , F . C . A, S ., Actuary, New Jersey Manufacturers Ins . Cu., *1965
Trenton, N, J, 08607BOYER, DONALD E ., F . S, A . , Vice-President and Actuary, Life Insurance Co . of 1966
Virginia, Richmond, Va . 23230BOYER, JOHN F ., F, S . A . , Consulting Actuary, Route 3, Box 191, Chapel Hill, *1965
N. C. 27514BOYLE, JAMES I ., F, C . A . S ., Associate Actuary, Travelers Ins . Cu. , Hartford, +1965
Conn. 06115BOYNTON, EDWIN F . , F, S . A, , F, C, A, , (Vice-President) Actuary, The Wyatt Co . , *1965
1629 K St ., N W., Washington, D . C . 20006BRADDOCK, JAMES H., F.S.A., Consulting Actuary, Woodbury, Conn, 06798 *1965BRADEN, LUCIAN J., Staff Actuary, George B. Buck Consulting Actuaries, Inc., 1966
Two Pennsyl%ama Plaza, New York, N . Y . 10001BRADFORD, JOHN A ., A, S . A, , Assistant Actuary, American International Life 1971
Assur, Co., New York, N Y . 10005BRADSHAW, JOHN G. , JR ., F . C . A, S. , Senior Actuarial Assistant, 1975
Hartford Ins . Group, Hartford, Conn . 06115BRADY, GEORGE V ., F, S. A, , 315 W . 106th St ., New York, N. Y. 10025 *1965BRADY, ROBERT P., F, S . A ., A.C.A., F . F . A, A, , Executive Vice-President and *1965
Chief Actuary, Republic National Life Ins . Co., Dallas, Texas 75204BRAGG, JOHN M, , F, S, A ., A, C, A . S ., President, Life Ins . Co. of Georgia, *1965
Atlanta, Ga . 30308BRAND, THOMAS G., M. C A., Consultant, A, S . Hansen, Inc., 1970
150 N . Wacker Dr., Chicago, Ill . 60606BRANNIGAN, JAMES F., F . C . A, S . . Senior Vice-President and Actuary, *1965
H, F. Ahmanson & Co , 3731 Wilshire Blvd ., Los Angeles, Calif . 90010BRANNOCK, RONALD D ., F.S.A., Vice-President, Tillinghast & Co , Inc ., 1974
Tower Place, 3340 Peachtree Rd., N.E., Atlanta, Ga . 30326
30 Members
EnrolledBRASKETT, RALPH J ., F . S . A ., Associate Actuary, Teachers Ins . & Ann. A ssn, , 1973
New York, N, Y. 10017BRAUND, ROBERT G., F, S, A ., President, Munich American Reassur . C o., 1966
Atlanta , Ga. 30309BRAVMANN, CLAUDE S., F . S. A. , Vice-President and Actuary, United States 1967
Leasing International, Inc ., 633 Battery St ., San Francisco , Calif. 94111BREEZE, WILLIAM H . . F, S. A., Executive Vice- President , Ohio National Life *1965
Ins. Co., Cincinnati, Ohio 45201BREMER, JOHN P, , F . S .A., Assistant Actuary, California-Western Life Ins, Co ., 1975
Sacramento, Calif . 95814BRENNAN, LAWRENCE T, . F . S . A., F. C . 1. A., F . C . A., Vice- President and *1965
Director, Kwasha Lipton Inc ., 429 Sylvan Ave , Englewood Cliffs, N J . 07632BRENNAN, PAUL J , F, S A, , M C . A., Peat. Marwick, Mitchell & Co. . 1975
One Boston Place, Boston . Mass, 02108BRERERTON, ALAN R ., F, S. A, , Associate Actuary, Imperial Life Assur . C o ., 1975
Toronto, Ontario M4V 1N7BRESSLER, CHARLES E,, A . S. A ., Second Vice-President, Occidental Life 1966
Ins. Co., Los Angeles, Calif . 90051BREWSTER, JOHN E, , F . S . A ., F . C . I. A . , Vice- President and Actuary, *1965
Marsh & McLennan, Inc ., 222S . Riverside, Chicago, Ill . 60606BRIAN, ROBERT A., F . C . A, S, , Conning & Co ., 41 Lewis St ., Hartford, 1972
Conn. 06103BRIEGEL, DOROTHY BREYNAERT (Mrs. ) . F . S . A, , Actuary, Meidinger & *1965
Assoc., Inc . , Box K-10, Richmond, Va . 23288BRIEGEL, HEINZ A, , F . S . A ., Senior Vice- President and Actuary, Fidelity B ankers 1968
Life Ins . Co., Richmond, Va . 23235BRIGADE, HAROLD R ., F, S. A . , Assistant Director of Group Pensions, 1975
Mutual of New York, New York, N . Y. 10019BRIGGS, PHILIP, F . S . A ., F, C . I . A ., Senior Vice-President, Group Insuranc e and 1966
Pensions, Metropolitan Life Ins. Co . . New York, N. Y. 10010BRIGHT, HENRY, F, S, A., Actuary, The Wyatt Co ., 733 Third Ave ., New Yo rk, 1967
N. Y. 10017BRIMLEY, DALE B. . A . S . A., Associate Actuary, Beneficial Life Ins Co .,
hS l k t 4136L1970
a e Ci y, Utat a 8BRINDISE, RALPH S., F . C . A. S., Risk Consultant, Standard Oil Co . of Indiana, *1965
Box 5910A, Chicago, Ill . 60680BRISCOE, J, HUELL, F . C . A ., Principal, J . Huell Briscoe & Assoc ., *1965
307 N, Michigan Ave., Chicago, Ill 60601BRISTOW, FRANK M ., .1R, , F.S.A., 28 Foxridge Rd . , West Hartford, Conn, 06107 *1965BRITTON, WILLIAM R. , JR ., F, S, A . . Actuary, Connecticut General Life Ins . Co., 1971
Hartford , Conn. 06152BROCK. JAMES D . , F . S, A , Actuarial Director, Prudential Ins. Co ., 1970
Houston, Texas 77001BROCK, JAMES E . , F. S, A., Associate Group Actuary, Nationwide Life Ins . CO.,
Oh 432 61975
ioColumbus, 1BROCKETT, JERRY L, , F . S. A , F . C . A. , Actuary, The Wyatt Co ., * 1965
1900 Republic National Bank Tower, Dallas . Texas 75201BRODIE. NORMAN, F . S . A, , Vice- President and Actuary, Equitable Life *1965
Assur. Soc ., New York, N. Y. 10019BROERS, FREDERICK L., F, S, A . , Assistant Actuary, Lutheran Mutual Life 1975
Ins, Co. , Waverly, Iowa 50677BROGAN, HOWARD S, , JR ., A . S . A ., Vice-President and Actuary, 1968
W, Alfred Hayes & Co , 6828 Oakland Ave . , St. Louis, Mo 63139BROOKS, ALEXANDER T . . A . S. A. . Senior Vice-President and Actuary, 1970
Philippine American Life Ins, Co, , Manila , PhilippinesBROOKS, CHARLES E ., F . S . A . , Associate Actuary, Swiss Reinsurance Co ., 1967
60 Mythenquai 8022 , Zurich, SwitzerlandBROOKS, FRANK A ., JR ., F. S . A . , Vice- President , Data Processin g, *1965
Mutual Benefit Life Ins . Co., Newark, N. J. 07101BROOKS, ROGER K., F . S . A„ President, Central Life Assur . Co., Des Moines, *1965
Iowa 50306BROOME , DOUGLAS A., Actuary, South Carolina Dept . ui Ins ., Columbia . 1966
S . C . 29204BROPHY, JOSEPH T ., F . S . A . , Vice- President , Travelers Ins . Co , Hartford, *1965
Conn. 06115
Members 31
BROSSEAU, ALDEN W, , F, S. A . , President, American Express Life Ins . Co .,Enrolled
*1965San Francisco, Calif. 94119
BROTHERS, WARREN H. , A. C . A ., Vice-President and Actuary, 1966Chicago Metropolitan Mutual Assur, Co ., Chicago, Ill, 60653
BROWN, ARNOLD B ., F . S, A . , 50 Chumasero Dr ., Apt, 7-L, San Francisco, *1965Calif, 94132
BROWN, CARROLL H ., F . S .A. , Actuary, Massachusetts Mutual Life Ins . Co ., *1965Springfield, Mass . 01111
BROWN, EDWARD W, , F, S . A„ Supervising Actuary (Life), New York State 1975Employees Retirement System, A, E . Smith State Office Bldg ., Albany,N, Y. 12244
BROWN, EVERETT G, , JR ., Vice-President and Actuary, United Fidelity Life 1967Ins Co., Dallas, Texas 75202
BROWN, GERALD M, F, S, A, , Senior Vice-President and Actuary, Equitable Gen 1974Vienna, Va . 22180
BROWN, JAN C . , F, S, A, , Associate Actuary, John Hancock Mutual Life Ins . Co. ,
,
1969Boston, Mass . 021 17
BROWN, JESSE D., F . S .A., Actuarial Director, Prudential Ins Co ., Hobart, *1965Ind . 46342
BROWN, LLOYD J ., F, S . A ., F . C . I, A ., 4501 Sherbrooke St , Westmount 215, Queb ec 1968BROWN, MAURICE S ., 3608 Saul Rd., Kensington, Md . 20795 1967BROWN, PETER, A, S, A., American International Reinsurance Co ., Hamilton, 1969
BermudaBROWN, ROBERT A ., F . S, A., Associate Actuary, Group Pension, 1969
Connecticut General Life Ins . Co., Hartford, Conn . 06152BROWN, STEPHEN L„ F . S, A„ Vice-President, John Hancock Mutual Life *1965
Ins . Co., Boston, Mass . 02117BROWN, WILLIAM A., F . S . A, , President, Servesco, Inc, , *1965
300 Interstate North Pkwy,, Atlanta, Ga . 30339BROWN WILLIAM C„ F, S.A., Vice-President, Guardian Life Ins Co ., *1965
New York, N. Y . 1 0003BROWN, WILLIAM W, JR., F, C, A . S ., Associate Actuary, Liberty Mutual Ins, Co . , 1967
Boston Mass 021 17, ,BROWNLEE, HAROLD J ., F . S . A . , F, C, I. A., Actuarial Director, Group Pensions, *1965
Prudential Ins . Co. , Florham Park, N J . 07932BRUCE, HARLEY N ., F . C . A. , F. F, A, A., Chief Actuary, Bruce & Assoc . , *1065
Midway Executive Manor, 11 N Skokie Blvd . . Lake Bluff, Ill . 60044BRUCE, .TAMES G, , F, S, A., 71 W. Alpia Way, Tucson, Ariz. 85704 *1965BRUCE, ROBERT E ., F . C . A., F, F . A . A ., Consulting Actuary, Bruce & Assoc ., +1966
Midway Executive Manor, 11 N, Skokie Blvd ., Lake Bluff, Ill, 60044BRUCE, WILLIAM D., F . F . A . A ., F, C . A ., Actuary, Bruce & Assoc.. *1965
Midway Executive Manor, 11 N, Skokie Blvd ., Lake Bluff, Ill. 60044BRUCKMAN, PAUL S . , 15 Webster Ave . , Highwood, Ill. 60040 1970BRUMMER. GEORGE . F, S. A. , F C . I. A, , F, C . A, , Wolfnian & Moscovitch, 1966
222 W. Adams. Chicago, 111 60606BRUTZMAN, F. BARD, F . S, A ., F, C . A, , Vice-President, Tillinghast & Co . , Inv., 1969
Tower Place, 3340 Peachtree Rd. , N, E . , Atlanta, Ga . 30326BRYAN, DAVID, F . S .A. , F . C . I, A ., Assistant Actuary, Canada Life Assur. Co., 1974
Toronto 1, OntarioBRYAN, WILLIAM J ., JR . , F, S, A ., Consulting Actuary, Bryan, Pendleton & Swats, 1966
2319 Crestniore Rd . , Nashville, Tenn . 37215BRYANT, ARTHUR L., F, S . A, , Vice-President and Secretary, State Life Ins . Co., 1966
Indianapolis, Ind 46204BRYANT, EDWIN T , F S A F, C A , Vice-President, Tillinghast & Co . . Inc., 1971
Tower Place, 3740 Peachtree Rd ., N, F . Atlanta, Ga. 30326BRYCE. GEORGE M. , F . S . A . , 2827 Westbrook Dr . , Fort Wayne, Ind . 46805 *1965BUBEN, PAUL, Senior Vice-President and Actuary, American Annuity Life Ins . Cu . 1970
& George Washington Corporation, 660 Cascade West Pkwy . , S. E . ,Grand Rapids, Mich . 49501
BUCHANAN, JOHN H, , F, S . A ., Vice-President and Actuary, Pioneer American 1974Ins . Co., Forth Worth, Texas 76116
BUCHANAN, WILLIAM M, , F . S, A ., F . C . A, , Consulting Actuary, Buchanan & *1965Lewis, Inc„ 10901 Granada Ln , Overland Park, Kans . 66211
32 Me»aberr
BUCHER, G, SCOTT, F, S, A, , Actuary, Financial Controls, Provident Life &Enrolled
1972Accident Ins . Co., Chattanooga , Tenn. 37402
BUCIITER, GENE W . , F . S . A . , Vice-President , Southland Life Ins . Co., Dallas, 1966Texas 75221
BUCK, NORMAN F ., F . S. A, , Vice- President , Ordinary and District, *1965Washington National Ins . Co„ Evanston, TH . 60201
BUCKMAN , ALFRED L., F . S . A, , Consulting Actuary, 3700 Wilshire Blvd ., * 1965Los Angeles , Calit . 90010
BUCKMAN , ROGER A ., F, S. A. , Director, Pension Technical Services, 1974Continental Assurance Co ., Chicago , Ill . 60685
BUCKNELL, EARL F ., F, S . A, , 3000 Grand Ave,, Apt . 303, Des Moines, *1965Iowa 50312
BUCKNELL , ROBERT I., F , S, A ., Consulting Actuary, Nelson & Warren , Inc ., 1970222 S . Central Ave ., St . Louis, Mo, 63105
BUDD, EDWARD H ., F, C . A, S ., Vice-President, Travelers Ins . Co ., Hartford, *1965Conn, 06115
BUDD, GEORGE L ., JR ., A . S .A., Johnson & Higgins, 95 Wall St ., New York, 1972N, Y. 10005
BUDDINGTON, DAVID W ., F, S . A, , Connecticut Mutual Life Ins . Co ., Hartford, 1971Corm. 06115
BUDINGER, JOSEPH A, , F , S, A, , 4750N . Central Ave, , Phoenix, Ariz . 85012 *1965
BUELL, CHARLES H, , F. S . A ., F . C . I . A ., Staff Actuary, Capitol Life Ins . Co ., 1966Denver , Cola. 80203
BUFFIN, KENNETH G., A, S . A ., F, C, A., Executive Vice-President , Graham & 1967Cooper Consulting Actuaries . Inc ., 10 E 53rd St ., New York, N, X. 10022
BUFFINTON, PHILIP G., A, C . A, S . , Vice-President and Secretary, 1966State Farm Fire & Casualty Co ., Bloomington, Ill . 61701
BUGG, WILLIAM J., JR. , F . S . A . , Vice-President and Group Actuary, 1975Life Ins. Cn. of Virginia, Richmond, Va. 23230
BULETTE, WAYNE , F . S .A., Consulting Actuary . Zischke Organization, Inc ., 1968Crocker Plaza, San Francisco , Calif. 94104
BUNIN, DAVID T . . F . S A. , F. C A. , 2000 Market St, , Suite 910, Philadelphia, *1965Pa, 19103
BUNYAN, ALDEN T., F . S . A . , 26 Cumberland Rd ., West Hartford, Coml. 06119 *1965BURGER, THOMAS L ., F, S . A ., Second Vice - President and Chief Actuary, 1974
Midland National Life Ins . Co. , Watertown, S . Dale . 57201BURGER, WILLARD N., 534 Forest Ave . , Glen Ellyn, Ill. 60137 1970BURGESS, ROBERT W, , F. S . A ., Actuary, Connecticut General Life Ins . Co. , 1969
Hartford , Conn. 06152BURGESS, WILLIS W. , JR., A, S, A ., Vice - President and Actuary, Bankers Life & 1966
Casualty Co., Chicago, 111 . 60630BURGIN, DAVID, A. S . A ., Assistant Actuary, Equitable Life Assur . Soc . , 1966
New York, N . Y. 10019BURIAN, OTTO J., F, S, A, , Box 200A, Route 1 , Robertsville , Mo. 63072 *1965BURKE, ANNE D . (Mrs .), F .C.A . , Vice-President, Tillinghast & Co . , Inc ., 1970
Tower Place , 3340 Peachtree Rd ., N. E . , Atlanta , Ga. 30326BURKE, FRANK F ., A . C . A ., Examining Actuary , Texas Ins . Board , Dallas, 1966
Texas 75209BURKE, WILLIAM J ., JR., F. S. A, , Actuary, Connecticut Mutual Life Ins . Co ., 1975
Hartford, Conn. 06115BURKE, WILLIAM P. , A. S, A . , F. C. A . , Vice- President , Adams & Porter 1971
Actuaries , Inc . , 1819 St . James PI ., Houston, Texas 77027BURKERT, GEORGE W, , A . S .A. , Vice - President, Metropolitan Life Ins . Co. , 1966
New York, N. Y. 10010BURLEIGH, JOHN M, , F . S .A., Second Vice -President , Reinsurance Dept ., * 1965
Connecticut General Life Ins, Co . , Hartford , Conn. 06152BURLEY, WINFIELD C ., A, S . A ., Actuary, Internal Revenue Service, 1966
1111 Constitution Ave ., Washington , D C . 20224BURLING, IRVING R,, F, S,A., Executive Vice-President , Lutheran Mutual Life *1965
Ins. Co., Waverly, Iowa 50677BURNOSKY, JOHN E„ F.S.A., Assistant Vice-President, Aetna Life & Casualty, 1967
Hartford, Conn. 06156BURNS , JOHN M . , F. S, A . , Consultant, Towers, Perrin , Forster & Crosby , Inc., 1975
One Embarcadero Center, Suite 2101, San Francisco, Calif. 94111
Members 33
EnrolledBURNS, WILLIAM O . , F, S. A., Vice - President , State Farm Life Ins . Co., *1965
Bloomington, 111, 61701BURNS, WILLIAM R., F, S. A., Actuary , Ins . Dept., State of North Dakota, *1965
Capitol Bldg., Bismarck , N. Dak, 58501BURRALL, CHARLES L., JR., F . C . A ., Executive Vice -President, *1965
Huggins & Co . , Inc , 1401 Walnut St ., Philadelphia, Pa. 19102BURROWS , RICHARD A., F.S.A„ Assistant Vice-President and Associate Actuary, *1965
Equitable Life Assurance Society , New York, N . Y. 10019BURSTEIN, RICHARD B ., F . S, A, , Vice - President and Actuary , Manhattan Life *1965
Ins, Co ., New York , N. Y . 10019BURTON, BURTON E ., F', S . A. , Senior Vice - President , Group Div ., * 1965
Aetna Life & Casualty, Hartford , Conn. 06115BUSH, FRANK J ., F . S . A., Senior Associate Group Actuary , John Hancock Mutual *1965
Life Ins . Co ., Boston, Mass, 02117BUTCHER, MARJORIE V . (Mrs .), A, S, A ., Associate Professor of Mathematics,
Trinit Colle tfe Ha d C 061061966
y g , r or , onn,BUTCHER, ROBERT W ., F . S . A„ Actuary , Travelers Ins. Cc_ Hartford, *1965
Conn, 06115BUTLER, BRUCE W , F. S. A, , Actuary , Travelers Ins . Co. . Hartford, 1974
Conn. 06115BUTLER , WILLIAM E ., President , Automotive Life Ins . Co. , New Orleans, 1970
La. 70152BYKERK. CECIL D , F S. A , Chair of Actuarial Science, University of Nebraska, 1975
1026 Old Father Hall , Lincoln , Nebr. 68588BYRNE, HARRY T . , F .C .A . S . , Associate Actuary , Aetna Lite & Casualty, *1965
Hartford, Conn. 06115BYRNE, JAMES T., A . S . A . , R. F . D . 1, Bradford, R . I. 02808 1966BYRNE, JOHN J ., A, S . A ., Executive Vice-President , Travelers Ins . Cu ., 1966
Hartford, Conn . 06115
CAHILL, .TAMES M., F . C . A . S., 6 Baltour Ln,, Ramsey , N .1 . 07446 *1965CAIN, LA VLRNE W., F .S.A., Second Vice - President, Massachusetts Mutual *1965
Life Ins . Co., Springfield , Mass. 01111CALLAHAN , ROBERT J ., F. S, A ., Supervising Actuary (Life), New York State 1966
Ins . Dept . , 324 State St . , Albany , N. Y. 12210CALVERT, GEOFFREY N., F . C . A . , F . C . I . A ., A S . A ., Consulting Actuary, *1965
525 Towner Rd ., RR 1, Sidney , British ColumbiaCAMERON, JOHN L., F . S . A . , 5179 Hidden Harbor Rd ., Siesta Key, Sarasota, *1965
Fla. 33581CAMP , KINGSLAND, F . S.A., Shelburne-Murray Hill Hotel, Lexington Ave at *1965
37th St,, New York , N Y, 10016CAMPBELL, CHARLES E, , Consulting Actuary, Roland A Mandat, 1969
Consulting Actuaries , 900 E , Louisiana, Demer , Colo . 80231CAMPBELL, DONALD F . , F . C . A ., Consulting Actuary , 221 N, La Salle St ., *1965
Chicago, Ill . 60601CAMPBELL, GEORGE C . , F . S, A. , 360 Troy Rd ., Parsippany , N . J . 07054 *1965CAMPBELL , KENNETH R. , F, S, A ., F . C . 1 . A ., Senior Vice-President . *1965
Meidinger & Assoc ,, Inc ., 8004 Franklin Farms Dr ., Richmond , Va. 23229CAMPBELL , N, DOUGLAS , F . S . A., F, C , I, A . , 145 Royal Orchard Blvd ., 1966
Thornhill , OntarioCAMPBELL , NORMAN L,, F . 6 .A ., President , National Life Ins Co., * 1965
Montpelier , Vt. 05602CAMPBELL , PAUL A ., F . S .A ., A . C . A ., Actuary , Hartford Lite Ins . Co , 1967
Hartford , Conn 06115C AMU S , RICHARD F ., F.S.A., M.C.A . , President , Richard Camus & Assoc , Inc. , 1973
1920 Shepard St ., New Orleans , La. 70114CANDELARIO , PETER C . , A, S . A . , Church Life Ins . Corp , , New York, N, Y. 10017 1971CANNON , GARNETT E., F . S . A, , 4470 S . W . Greenleal Dr , Portland , Oreg. 97221 *1965CANNON , LESLIE A, , F, S . A . . F, C, I, A, , Director , Individual Products,
Great West L f A C W M t b R3C 3A51966
- i ssur .e u ., innipeg . ani o aCAPUTO, RALPH N., Manager , Government and Industry Relations Dept ., 1967
Insurance Services Office, New York, N. Y. 10036
34 Members
Enrolled
CARBERRY, JOHN P. , F. S. A. , A . C . A , Principal, Roenisch & Carberry, Inc .,3340 Wilshire Blvd. , Los Angeles, Calif. 90010
1966
CARBONE, ROBERT F., F . S . A, , Second Vice- President and Group Actuary,New England Mutual Life Ins . Co., Boston, Mass . 02117
1970
CARDACE, DOMINICK A., F . S.A., Consulting Actuary, Kwasha Lipton Inc .,429 Sylvan Ave. , Englewood Cliffs, N . J. 07632
1971
CARDINAL, CLAYTON A ., F . S .A., Vice-President and Actuary, 1970Time Insurance Co., Milwaukee, Wis . 53203
CARGILL, LEONARD R, , JR, F S A. , A. C . A. . Alexander & Alexander,30303Atlantaht Co2323 Pt T
1970ree, , ., wo eacSui e
CARLETON, JOHN W ., F . C . A. S . , Vice-President, Liberty Mutual fins . Co .,
Boston, Mass . 02117*1965
CARLIN, JAMES G., F . S . A . , Vice-President and Actuary, Northern Life Ins . Co .Seattle, Wash . 98115
, 1973
CARLSON, DENNIS L., F, S . A, , Assistant Vice-President and Actuary,Rural Security Life Ins Co ., Madison, Wis . 53701
1968
CARLSON, EDWIN A., F, C . A . S . , Assistant Systems Director, Travelers Ins, Co .Hartford, Conn. 06115
, 1969
CARLSON, GEORGE B., F, C, A, , A, S, A ., President, G . B . Carlson & Co., Inc .261 Madison Ave., New York, N, Y, 10016
, *1965
CARLSON, STEPHEN C . , F . S . A, , Vice-President and Actuary, Globe Life Ins . CChicago, Ill . 60601
o, , 1970
CARNACHAN, ROBERT S., A.C .A., President, R S. Carnachan & Assoc .,336 N. Central Ave ., Suite 10, Glendale, Calif . 91203
1966
CARNAHAN, CLARENCE E ., F .S.A., Associate Actuary, National Life & AccidenIns . Co ., Nashville , Tenn . 37250
t 1968
CARPENTER, CLAYTON C ., JR. , F, S, A ., Actuary, Aetna Life & Casualty,Hartford, Conn. 06115
1966
CARPENTER, DAVID R,, F . S. A., Consultant, Booz-Allen Consulting Actuaries,660 Newport Center Dr ., N. E ., Newport Beach, Calif . 92660
1968
CARPENTER, NICHOLAS H . . A, S, A ., F . I. A ., Financial Director, Abbey LifeAssur, Co., Ltd., 1-3 St . Paul's Churchyard, London, EC4M BAR, England
1966
CARPENTER, ROBERT D, , F . S . A . , Vice-President, Group, Penn Mutual LifeIns . Co ., Philadelphia, Pa. 19172
*l965
CARRIGAN, MICHAEL R., F . S . A, , Consulting Actuary, 535 S . Alexandria Ave.,
Los Angeles, Calif. 90020
*1965
CARRIGAN, PATRICK, A, S, A . , Actuary, U . S . Government, Veterans Adminis.,810 Vermont A,,e ., N, W . , Washington . D. C . 20420
1969
CARROLL, CHARLES, F .S.A., Associate Actuary, New York Life Ins, Co .,
New York, N . Y 100101975
CARROLL, WILLIAM J ., F .S.A., 45 Hamlet St ., Arlington, Mass . 02174 1966
CARROLL, WILLIAM JOSEPH, A . C . A ., Vice-President, Group Div, ,Bankers Life & Casualty Co., Chicago, Ill . 60630
1966
CARSON, DAVID E, A ., A, C . A. S., Chairman of the Board and Chief ExecutiveOfficer, Middlesex Mutual Assur. Co. , Middletown, Conn. 06457
1971
CARSON, EVELYN G. (Mrs .), M . C . A ., Staff Actuary, George B . Buck ConsultinActuaries, Inc . . Two Pennsylvania Plaza, New York, N . Y. 10001
g 1966
CARSON, RICHARD N ., F . S . A ., Associate Actuary, American General Life,Houston, Texas 77019
1970
Actuary, United States AutomobileF, C . A, S .EDWARD J . JR .CARTER 1974,,,,Association, USAA Bldg ., San Antonio, Texas 78288
CARTER, RICHARD M . . 1174 N, E . Abscott St ., Port Charlotte, Fla. 33952 1967CARTER, STEPHEN T . , F . S, A . , Group Actuary, Provident Life & Accident,
Chattanooga, Tenn . 37402
1973
CARTER, WARREN A., A, 5.A., Actuarial Officer, Teachers Ins, & Annuity AssNew York, N. Y. 10017
n . . 1966
CARTER, W. MICHAEL, F, S.A., Associate Actuary, Southland Life Ins . Co .,Dallas, Texas 75221
1974
CASE, DANIEL F., F, S, A ., Associate Actuary, American Life Ins . Assn .,1730 Pennsylvania Ave ., N. W,, Washington, D . C . 20006
t n Inct K h L
*1965
1970., was a ip oCASTELLS. MANUEL F., A S . A. , F . C, A. , Vice-Presiden .
429 Sylvan Ave, , Englewood Cliffs, N, J . 07632CASTROVINCI, BASIL, President, Titan Actuarial Services, Inc ., 853 Broadway,
New York, N. Y. 10003
1971
Alenzbers 35
EnrolledCATON, JOHN C . , F S . A , Actuary, Personal Insurance, American United Life
Ins . Co. . Indianapolis , Ind, 462061968
CAUTIN, MURRAY F, S, A . , Associate Actuary, Savings Bank Life Ins, Fund,New York, N Y . 10017
1971
CAVALLO, DOMINICK, F . S. A, , Group Actuary, New York Life Ins . Co., 1966New York, N, Y. 10010
CAVELL, DAVID J., F, C . A ., Actuary, Cavell & Ain, Leader Bldg ., Cleveland, *1965Ohio 44114
CECIL, JOHN D ., A.$ . A., Assistant Actuary, Western-Southern Life Ins . Cu .,Cincinnati, Ohio 45202
1971
CERNEKA, THOMAS P., F . S . A . , Secretary-Treasurer, A. S Hansen, Inc .,1353 Esperson Bldg ., Houston, Texas 77002
1968
CHADWICK, GEORGE R., JR., F . S . A, , Senior Actuary, Pension BenefitGuaranty Corp ., P.O. Box 7119, Washington, D. C. 20044
*1965
CHADWICK, RICHARD A, , A, S . A, , Assistant Vice-President, William M . MercerOne Oliver Plaza, Pittsburgh, Pa . 15222
, 1969
CHAKRABARTI, PARTHA M. . F S. A , Senior Vice-President and Actuary.Top, Inc ., 9135 General Ct„ Plymouth, Mich. 48170
1975
CHALLENGER, JAMES O. , F . S . A . , 13 N. Queen St ., Bergenfield, N, J . 07621 *1965CHAMBERLAIN, THOMAS T . . A . S .A. , F .C.A. , Vice- President, George V . Staines
& Assoc.. 1200 Summit Ave., Suite 504, Fort Worth, Texas 76102*1965
CHAMBERS, WILLIAM T,, A, S, A, , Assistant Director of Underwriting,Northwestern Mutual Life Ins . Co , Milwaukee, Wis, 53202
1966
CHAMP, MICHAEL E., F . S . A,, Assistant Vice-President, Mutual Lite Ins Co .of New York, New York, N, Y, 10019
1974
CHAMPE, JOHN E., F . S . A ., Assistant Actuary, Connecticut General Life Ins . Co.,Hartford, Comi. 06152
*1965
CHAN, STANLEY S., F, S. A., F. C .1, A ., Director, Pension Services,North American Life Assur . Co ., Toronto, Ontario NIGH 1111
1974
CHANDLER, ROBERT M, , F. S, A . . Consulting Actuary, Milliman & Robertson, Inc .914 Second Ave„ Seattle, Wash . 98104
, 1972
CHANG, YUAN, F . S,A,, Vice-President, Travelers Ins, Co, , Hartford, *1965Conn. 06115
CHAPIN, EDWARD L . , A, S .A . , Consulting Actuary, Little, Church & Chap n, Inc.301 E . Colorado Blvd . , Pasadena, Calif, 91101
, 1966
CHAPIN, WALTER L, , F, S. A, , F . C . I. A . , Consulting Actuary,9039 Sligo Creek Pkwy ., Silver Spring , Md. 20901
*1965
CHAPMAN. ALLAN L., A . S . A,, Vice- President and Associate Actuary,Pennsylvania Life Ins . Co ., Santa Momca, Calif. 90406
1966
CHAPMAN, CHRISTOPHER D. , F . S . A . , F. C . I. A, , Director, Investment PolicyResearch, Great-West Life Assur . Co., Winnipeg, Manitoba R3C 3A5
1975
CHAPMAN, FREDERIC P., F, S, A, , 16 Whistling Swan, Hilton Head Island, 41965S C 29928.
CHAPMAN, PETER F ., F . S. A . , Second Vice -President and Actuary,Mutual Benefit Life Ins . Co,, Newark, N . J . 07101
*1965
CHARLTON, IAN M., F, S . A. , Senior Vice-President, Federal Life and *1965Casualty Co ., Battle Creek, Mich, 49016
CHAUNER, MILTON F., F . S . A ., Consulting Actuary, Milliman & Robertson, Inc., +1965150 Strafford Ave ., Wayne, Pa 19087
CHEETHAM, MC CLAIN, F, S, A, , Fellow Actuary, 3213 Moun tview Ed .,Columbus, Ohio 43221
*1965
CHELLGREN, NORTON W ., F . S . A ., Associate Actuary, Aetna Life & Casualty,Hartford , Conn. 06115
*1965
CHERLIN, GEORGE, F, S, A, , A, C . A . S, , Associate Mathematician, *1965Mutual Benefit Life Ins . Cu., Newark, N, J 07101
CHERNOFF, VICTOR B, , F, S. A, , F . C . A. . Consulting Actuary, P . O . Box 49211,Los Angeles, Calif. 90049
1967
C HERNOW, DAVID M ., A, S, A ., Actuarial Mathematician, Continental Assur Cc , 1975Chicago, 111, 60685
CHERRY, HAROLD, F . S. A., Second Vice- President and Actuary, New York LifeIns . Co., New York, N. Y. 10010
*1965
CHESLIK, LAWRENCE H., A.S.A., Manager, Prudential Ins Co , Minneapolis, 1966Minn . 55440
CHESTER, GEORGE D . , F . S.A., 104 Pioneer Dr ., West Hartford, Conn 06117 *1965
36 Members
EnrolledCHIAPPETTA, ROBERT N., A . S . A., Director of Statistical Services, 1966
institute of Life Ins ., New York, N. Y. 10017CHIROLAS, WILLIAM P ., JR., A . S, A . , Associate Actuary, Massachusetts Savings 1972
Bank Life, Boston, Mass . 02108CHMELY, ROBERT M ., F, S, A., Assistant Actuary, Prudential Ins . Co., Newark, 1966
N, J. 07101CHORPITA, FRED M ., A, C . A . S ., Actuary and Director, Actuarial Dept., 1970
Pennsylvania Manufacturers' Association Ins . Co., Philadelphia, Pa, 19107CHRISTENSEN, WESLEY R., AA A . . Secretary, Group Division, Aetna Life & 1966
Casualty, Hartford, Conn. 06115CHRISTIAN, DE LOS H., F, S . A, , Richmond Corp . , 914 Capitol St ., Richmond, *1965
Va, 23219CHHRISTMAN, JOSEPH A, , F, S . A . , 428W. Earll Dr . , Phoenix , Ariz . 85013 *1965CHRISTMAS, WILLIAM R., F . S . A., P.O. Box 22, Underhill Center, Vt . 05490 *1965CHRISTOPHERSON, JON C., A. S . A ., Actuary, Northern National Life Ins . Co., 1973
Bismarck , N. Dak, 58501CHURCH, HARRY M . . A . S. A, , A, C, A S, , F, C . A , Consulting Actuary, Little, 1966
Church & Chapin, Inc . , 301 E . Colorado Blvd, , Pasadena, Calif . 91101CHURCHILL, J . DOUGLAS, Consulting Actuary, 1007 Ft . Worth Ave ., Dallas, 1966
Texas 75208CILLIE, GABRIEL G., F, S, A, , Associate Actuarial Director, Prudential Ins, Co , 1970
Newark, N. J 07101C LAIRMAN, STEPHEN A ., F.S.A., Merchantile & General Reinsurance Co ., Ltd., 1975
Toronto, Ontario M5H 3L5CLARE, JAMES L., F, S . A . , F .C . I .A., Senior Consulting Actuary, 1966
Peat, Marwick & Partners, P .O. Box 31, Commerce Ct . West, Toronto,Ontario M5L 1132
CLARK, CHESTER D., F . S . A. , Consultant, Towers, Perrin, Forster & 1968Crosby, Inc ., 1900 Bldg ., Century City, Los Angeles, Cakf. 90067
CLARK, FREDERICK W . , F . S . A, , 281 Turtle Back Rd ., New Canaan, Conn . 06840 *1965CLARK, HELEN L, (Miss), F . S . A ., Westminster Village North, Apt 114, *1165
11050 Presbyterian Dr., Indianapolis, Ind, 46236CLARK, JOHN P ., F.S.A. , Associate Actuary, Paul Revere Life Ins, Co ., 1972
Worcester, Mass. 01608CLARK, KENNETH J . , F, S . A . , Second Vice-President and Actuary, *1965
Lincoln National Life Ins . Co , Fort Wayne, Ind . 46601C LARK, KENNETH T, , F . S. A ., F . C . I . A. , Consulting Actuary, Milkman & *1965
Robertson, hie ., 1300 Yong e St. , Toronto, Ontario M4T 1X3CLARK, RAY A., Senior Vice-President, College Life Ins . Co., Indianapolis, 1967
Ind 46206CLARK, VORIS C ., F . S . A ., Actuary, Baltimore Life Ins . Co . , Baltimore, Md. 21201 1969CLARKE . GEORGE F. S . , F . S . A. . F . C . 1 . A, , Executive Vice- President, 1968
Sun Lite Assur . Co. of Canada, Montreal 101, QuebecCLARKE, GORDON W, , JR , A S . A, . A C, A, . Associate Director, Travelers 1971
Ins . Co . . Hartford, Conn 06115C LARKE, HARRY E, , F, S . A . , F. C . I . A. , Group Actuary, Insurance, 1971
Crown Life Ins . Cu. , Toronto, Ontario M4W 168CLARKE, JOHN W. , F, S A , F. C. A S , A, C, A, , 4955 Caballeros, +1965
San Luis Obispo, Calif . 93401CLAUSEN. NORMAN W . , F . S. A., M. C . A. , Consulting Actuary, Kwasha Lipton, Inc ., 1974
429 Sylvan Ave ., Englewood Cliffs, N. J. 07632CLEAVER, WILLIAM J ., Box 361, RR 1, Westfield, Ind, 46074 1967CLEMENT, DONALD F, , F, S . A. , F . C . A . , Tillinghast & Co., Inc ., Tower Place, 1967
3340 Peachtree Rd . , N . E , Atlanta, Ga. 30326C LENNON, BARTON IT,, F, 6 . A., Consulting Actuary, Milliman & Robertson, Inc ., 1970
914 Second Ave. , Seattle, Wash . 98104CLERIHUE, A. DONALD, F . S. A. . Second Vice-President and Associate Actuary, 1970
Fidelity Mutual Life Ins . Co., Philadelphia, Pa . 19101C LIPPINGDALE, JOHN L, M., F .S .A., F . C . I. A. , Assistant V ice-President, 1966
Corporate Actuarial, Confederation Life Ins Co . , Toronto, OntarioCLYNE, JOHN M. , A, S, A . Vice-President and Actuary, American Life Ins . Co. 1970
of New York, New York, N. Y. 10019COATES BARRETT N, F .S.A., F, C, A, S . , F . F . A . A . , 1007 Cragmont Ave, , *1965
Berkeley, Calif 94708
Members 37
EnrolledCOATES. BARRETT N., JR, A. F . A. A. . F. S . A. , A. C A , F C_ I A . , 11965
Consulting Actuary, Coates & Crawford, Inc , 44 Montgomery St,San Francisco, Calif 94104
COATES, CLARENCE S., A . S.A., F.C . A. S ., 1730 Washington Ave , Wilmette, *1965Ill . 60091
COATES, ROBERT P ., F, S. A, , Vice-President and Actuary, Equitable Life +1965Assur. Soc., New York, N . Y. 10019
COATES, WILLIAM D., A, C . A, S ., Vice-President, National-Ben Franklin Life 1966Ins, Corp., Chicago, Ill. 60606
COBLE, ROGER W ., A . C . A ., A . S . Hansen, Inc . , 900 Wilshire Blvd , 1966Los Angeles, Calif . 90017
COCHEU, LINCOLN C ., JR., A, S . A ., 1289 Norwich Rd., Jacksonville, Fla. 32207 1966COCHRANE, WILLIAM R, , A. S, A ., Vice-President and Actuary, National Reserve 1966
Life Ins, Co ., Topeka, Kans . 60601CODY, DONALD D., F . S. A . , Senior Vice-President, New England Mutual Life *1965
Ins . Co . , Boston, Mass . 02117CODY, FRANCIS X., F, S.A., Consulting Actuary, 11 Windsor La ., Cos Cob, 1969
Conn. 06807COHEN, HARRY H ., F . C, I. A ., F, S. A., Manager, Individual Product Development, 1974
Confederation Life Ins . Co., Toronto, Ontario M4W 1H1COHEN, IRA, F . S . A . , Senior Actuary, Internal Revenue Service, Washington, 1972
D. C. 20224COHEN, JERRY M , F S A. . F C. A . , Corporate Vice-President . Meidmger & 1975
Assoc., 10632 Little Patuxent Pkwy,, Columbia, Md, 21044COHN, HOWARD T ., A . S . A, , Vice-President, Group Executive Financial Services , 1966
International Telephone & Telegraph Corp ., 320 Park Ave., New York,N. Y. 10022
COLBURN, JAMES T, , A, S . A ., Consulting Actuary, Charles G, Bentzin Assoc . Inc . , 1974114 W. Adams St., Phoenix . Ariz. 85003
COLE, JOHN M ., F . S . A . , Muenchener de Mexico, S . A , Mariano Escobedo 510, 1968Mexico 5, D, F ., Mexico
COLE, LINDEN N., F. S, A, , Actuary, Mutual Benefit Life Ins . Co. , Newark, *1965N. J. 07101
COLE, RAYMOND E. , F, S A. F. C. I . A. , F . C . A. . Partner, Hewitt Associates, *I965Masswood Park Bldg., 3505 Broadway . Oakland, Calif . 94611
COLE, STANTON L ., F, S, A, , General Manager & Actuarial Director, 1975Prudential Ins, Cc,, Los Angeles, Calif. 90036
COLEMAN, CHARLIE K., Actuary, Royal Neighbors of America, Rock Island, 1970Ill. 61201
COLEMAN JAMES F F S A 79 N Moger Ave Mount Kisco N Y 10549 *1965, . . , , ,., ., , , .COLLETT, ROBERT L., F, S . A, , Principal, Milliman & Robertson, Inc . , 1969
One Allen Center, Houston, Texas 77002COLLIER, CLARENCE E, , A, S, A., Illinois Mutual Life & Casualty Co ., Peoria, 1969
Ill, 01602COLLINS, JAMES H, , F, C, A ., Assistant Vice-President, Marsh & McLennan, Inc . . 1966
515 Olive St . , St Louis, Mo. 63101COLLINS, RUSSELL M . , F.S.A., Vice-President, J . C . Penney Ins . CC)_ *1965
New York, N. Y, 10019COLLINS. WILLIAM J. , F. S. A . , A. C . A. . Associate Actuary, Gulf Life Ins, Co ., 1973
Jacksonville, Fla . 32207COLLIS-BIRD JEREMY J F William MS A LtdMercer 1975, . , , . , , . , .,
1075 W, Georgia St ., Vancouver, British Columbia WE 3E6COLTON, EDWARD H ., F, S . A . , Vice-President, Metropolitan Life Ins . Co ., 1970
New York, N. Y, 10010COLVER, CHARLES F ., F. S. A ., Senior Consultant, Peat, Marwick, Mitchell & Co. , 1972
2001 Bryan Tower, Dallas, Texas 75201COMFY, DALE R., F, C, A, S, , Assistant Vice-President, Hartford Ins, Group,
Hartford Conn 061521972
, .COMPERE , JAMES L. , F, S, A., Ins . Operation Manager , Northwestern Mutual Life *1965
Ins, Co., Milwaukee , Wis. 53202CONAHAN, MICHAEL I , , Vice- President and Actuary , Home Life Ins . Co . of 1968
America, Philadelphia, Pa, 19105CONEFRY, MICHAEL A., A. S.A., Vice-President , Johnson & Higgins, 1972
One Shell Square , New Orleans , La. 70139
38 Members
EnrolledCONKLIN, HARVEY H ., F . S .A., Consulting Actuary . 15 Cedar Crest Dr .,
Westerly, R . I, 02891*1965
CONLEY, WILLIAM, F, C, A ., Chief Life Actuary, Michigan Ins . Dept ., Lansing, *l965Mich. 48912
CONN, RUSSELL R, , F, S, A . , Assistant Actuary, Mutual of Omaha, Omaha, 1975Nebr. 68131
CONNER, JAMES B ., Travelers Ins. Co., Hartford, Coin. 06115 1974CONNOLLY, CHARLES E., F . S. A ., Partner, Strong & Thompson - Consulting +1965
Dallas Texas 75201Akard StActuaries 511 N ., ,, .CONNORS, JAMES J, , F . S, A, , Vice-President , New York Life Ins, Co . .
New York, N, Y. 10010*1965
CONNORS, JOHN A., F, C, A., President, Kwasha Lipton Inc ., 429 Sylvan Ave .,Englewood Cliffs, N J . 07632
1966
CONRAD, FLORENCE S. (Miss ), F . C . A., Supervisor, Coopers & Lybrand,1251 Avenue of the Americas, New York, N. Y. 10020
*1965
CONRAD, JEAN G. (Mrs .), F, C, A . , F . F, A, A, , Actuary, Brown, Conrad,Richardson & Flott, Inc ., 423 Bulkley Bldg., Cleveland, Ohio 44115
*1965
CONROD, STUART F ., F, S, A ., 4400 Exeter Dr., Sarasota, Fla 33577 *1965
CONTE, JOSEPH P., A . C . A . S ., F. F. A, A., Vice- President , Bermans MotorExpress, Inc ., P.O. Box 1566, Binghamton , N. Y, 13902
*1965
COOK, CHARLES F . . F . C A, S ., Vice-President, American InternationalUnderwriters. 102 Maiden Ln. . New York. N . Y. 10005
1968
COOK, DAVID W ., F, S, A . , Associate Group Actuary, Ohio National Life Ins . Co .Cincinnati , Ohio 45201
, 1972
COOK, EDWIN A ., F . C . A . S . , President and General Manager, Interboro MutualIndemnity Ins Co . , Mineola, N. Y. 11501
*1965
COOK, GERALD R . . F, S. A., Supervising Actuary (Lite), New York StateEmployees' Retirement System, Albany, N, Y. 12225
*1965
COOK, JOHN H ., F . S . A, , Actuary, Metropolitan Life Ins . Co, , New York, *1965
N. Y. 10010COOK, W, GILBERT, F . S . A . , Second Vice-President and Group Actuary, *1965
Union Central Life Ins, Co. , Cincinnati, Ohio 45202COONS, JOHN W ., F . S. A., Vice- President and Actuary, Hospital Service Corp . , * 1965
233 N, Michigan Ave., Chicago, Ill . 60601COOPER, DONALD R., F, S, A ., Executive Vice-President, Transport Life Ins . C o ., 1969
Fort Worth, Texas 76102COOPER, G. ASHLEY, A. S . A ., F . C . 1 . A ., F . I . A, , President, Graham & Cooper
Consulting Actuaries, Inc ., 575 Madison Ave., New York, N. Y 100221966
COOPER, JACK J ., F . S . A ., Group Actuary, Liberty Life Ins, Co , Greenville, *I965N. C . 29602
COOPER, KEITH H., F, S . A . , Vice-President , Towers, Perrin, Forster &Crosby, Ltd,, P .O Box 281, Toronto-Dominion Centre, Toronto,Ontario M5K 1K3
1967
COOPER, STEVEN L ., A . S.A., Vice-President and Actuary, Security Benefit Lif
Ins . Co , Topeka, Kans. 66636e 1974
COOPER, WARREN P. , A, C . A, S . , Vice-President and Actuary, Chubb & Son, Inc51 John F . Kennedy Pkwy., Short Hills , N. J. 07078
., 1969
COOPERSTEIN, STEVE P, , F . S. A. , Actuary, Metropolitan Life Ins . Co .,
New York, N . Y. 100101971
COPELAND, THOMAS C ., III, F . S .A., Vice-President , Adniimstration,Gulf Atlantic Life Ins . Co., Dallas, Texas 75221
1971
COPESTAKES, ARTHUR D ., American Mutual Ins . Co ., Wakefield, Mass, 01880 1971CORBETT, GARY, F .S.A., F . C . I . A . , Vice-President, SAFECO Life
ttl W h 98185C S*1965
o , e, as .eaInsuranceCORBETT, RICHMOND M. , M. C . A ., Actuary, Attorney, Consultant,
600 Lakewood Rd ., Hendersonville, N . C . 287391966
CORCORAN, REGINA I. (Miss), Consultant , Nelson & Warren. Inc ,5750 W. 95th St . , Overland Park, Kans. 66207
1966
CORCORAN, WILLIAM M ., F . C . A . S ., F . S . A ., 7 Arden Dr., Hartsdale, *1965N, Y. 10530
CORLISS, GARY L., F. S .A., Associate Actuary, Aetna Life & Casualty Cc, ,Hartford, Conn. 06115
1975
CORWIN, FREDERICK W., JR ., F, S, A, , Assistant Group Actuary .John Hancock Mutual Life Ins Co , Boston , Mass, 02117
1975
Members 39
EnrolledCOSBURN, W. DALE, F .S . A ., F, C . I . A., Group Actuary, Imperial Life Assur, Co. , 1967
Toronto, Ontario M4V IN7COSBY, BYRON, JR., F . S . A ., 2400 Virginia Ave,, N, W., Washington, D . C. 20037 *1965COSTELLO, EDWARD T ., M. C, A ., A . S . A., Consulting Actuary, Alexander & 1970
Alexander, Inc ., 2 N . Riverside Plaza, Chicago, Ill . 60606COSTON, THOMAS L ., F . S . A ., Senior Vice- President and Actuary, Transport Life 1972
Ins. Co., Fort Worth, Texas 76102COUTTS, ALAN H . , A .S.A., F . C . A, , F. C . I, A . , Actuary, Am Associates, Inc., 1966
120 Broadway, New York, N. Y. 10005COWAN, PAUL C . , A, S . A . , F . C . A. , President and Chief Actuary, 1966
Cowan Actuarial Co ., Hibben Bldg . , Cincinnati, Ohio 45202COWARD, LAURENCE E, A, S . A., F . C . I. A ., F. C, A, , Executive Vice-President, 1967
William M Mercer Ltd, , 7 King St ., E. , Toronto, Ontario M5C 1A2COWELL, MICHAEL J ., F.S.A., Vice-President, Corporate Planning, *l965
State Mutual Life Assur . Co. of America, Worcester, Mass. 01605COWEN, JAMES L ., A, S . A ., F . C . A ., Chairman, U. S Railroad Retirement Board, 1966
844 Rush St ., Chicago, 111 . 60611C RAGOE, ARTHUR C., F. S, A, , Senior Vice-President, Actuarial, Franklin Life *1965
Ins . Co. , Springfield, Ill . 62713CRAIG, DOUGLAS S ., F . 5, A. , 5 Deerhill Dr ., Ho-Ho-Kus, N. J. 07423 *1965CRAIG, PHILIP J . , Vice-President and Actuary, Tower Life Ins Co ., San Antonio, 1967
Texas 78205CRAIG, ROBERT E, , III, A . S . A ., Assistant Actuary, Pan-American Life Ins . Co., 1966
New Orleans, La. 70119CRANDALL, HAROLD E ., F . S.A., Consulting Actuary, P .O. Box 707, Alhambra, 1971
Calif. 91802CRANDALL, WILLIAM H . , F . C, A . S . , Vice-President, Underwriting, Insurance Co. 1971
of North America, Philadelphia, Pa. 19101CRANE, HOWARD G., F . C, A. S, , Vice-President and Consultant, *l965
General Reinsur . Corp., New York, N . Y. 10022CRAPO, RAYMOND L ., F . S . A . , Consulting Actuary, 1725 K St ., N . W. , *1965
Washington , D. C. 20006CRAWFORD, ANGUS L ., F . C . A ., A, S. A., Consulting Actuary, Coates & *1965
Crawford, Inc ., 44 Montgomciy St ., San Francisco, Calif . 94104CRAWFORD, DAVID, F, S . A, , Actuary, The Wyatt Co ., 1629 K St ., N. W., 1970
Washington, D. C. 20006CRAWFORD, J, DICKSON F .S.A., F . C . I . A . , Vice- President , U. 5 . Operations, 1968
North American Life Assur . Co. , Toronto 1, OntarioCRAWFORD, JOHN P., M . C, A ., Consulting Actuary, 4545 N. Lincoln Blvd., 1966
Oklahoma City, Okla. 73105CRAWFORD. WILLIAM H, , A, C . A . S. , 329 Avila Way, San Mateo, Calif . 94402 1966CRIMMINS, JOSEPH B., F. S . A ., 949-B Heritage Village, Southbury, Conn. 06488 *1965CROCKER, THOMAS F ., F, C . A ., Vice-President and Actuary, Hospital Service 1966
of Southern California, 4777 Sunset Blvd. , Los Angeles, Calif. 90027CROFTS, GEOFFREY, F . S . A ., A . C . A. S ., Dean and Director, Graduate School of *1965
Actuarial Science, Northeastern University, 360 Huntington Ave., Boston,Mass. 02115
CRONQUIST, NEIL H, , A S A , M, C . A., Senior Consultant, Dreher, Rogers, & 1971Assoc., Inc,, 444 Madison Ave ., New York, N. Y, 10022
CROOT, DARREL J . , F .S.A., A . C. A, , Manager, New York Office, *1965A. S . Hansen, Inc ., 600 Third Ave . , New York, N . Y. 10016
CROSS, ROWLAND E , F S. A , M C . A , Chief, Pension Actuarial Branch - *1965Internal Revenue Service, 1111 Constitution Ave ., N.W . , Washington,D. C. 20224
CROSSON, WILLIAM H ., HI, F, S . A, , Assistant Vice-President and Associate *1965Actuary, Equitable Life Assur . Soc . , New York, N. Y. 10019
CROUNSE, JEROME B ., F . S . A, , Associate Actuary, John Hancock Mutual Life 1972Ins, Co,, Boston, Mass. 02117
CROUSE, CHARLES W. , F . C . A . 5, , Assistant Professor of Mathematics, *1965Cleveland State University, Cleveland, Ohio 44115
CROWDER, A. NORMAN, III, F S A ., M, C, A. . Consultant, Towers, Perrin, *1965Forster & Crosby, Inc ., 1 Boston Place, Boston, Mass . 02108
CROWE, JOSEPH F ., F,S,A., Assistant Vice-President, Aetna Life & Casualty, *1965Hartford, Conn, 06115
40 Members
EnrolledCROWE, NANCY R. (Miss ), A S. A., 737 Magnolia, Excelsior Springs, Mo . 64024 1970CROWLEY, JAMES H ., JR ., F. C, A, S ., Assistant Vice-President, Comptroller' s *1965
Dept., Aetna Life & Casualty, Hartford, Conn . 06115CROWTHER, T. ARNOL, F .S.A., 10609 White Mountain Ed ., Sun City, *1965
Ariz. 85351CRYAN, JAMES J. . F . S. A , F, C, A., Consulting Actuary, George B. Buck 1966
Consulting Actuaries . Inc ., Two Pennsylvania Plaza, New York, N . Y. 10001CUBA, SHERYL V. (Mrs .) . F S . A , Assistant Actuary, Guarantee Mutual Life Co . , 1975
Omaha, Nebr. 68114CUBELLO, FRANK D ., F. S . A . , 15 Coleridge Rd., Short Hills, N. J, 07078 +1965CUETO, MANUEL R., F . S. A, , 211 Dover Rd. , Manhasset, N . Y. 11030 *1965CUMMING, JOHN B ., F, S, A . , Equitable Life Assur, Soc., New York, N, Y. 10019 *1965CUMMINGS, RICHARD T., F . S .A., Marsh & McLennan, Inc . . 515 Olive St, , 1971
St. Louis, Mo. 63101CUMMINS, JOHN L., F.S.A., Assistant Vice-President, Manufacturers Life 1971
Ins . Co., Toronto, Ontario M4W 1E4CUNNINGHAM, WILLIAM, F . S . A . , F. C .1. A ., Vice-President and Group Actuary, *1965
Pacific Mutual Life Ins . Co., Newport Beach, Calif. 92663CURLEE, RONALD K., F . S. A. , Vice-President and Actuary, Great Southern Life 1972
Ins . Co ., Houston, Texas 77001CURRY, ALAN C., F.C .A . S ., Vice- President and Actuary, State Farm Mutual 1966
Automobile Tits . Co., Bloomington, Ill . 61701CURRY, HAROLD E ., Consultant, P .O. Drawer P, Carefree, Ariz . 85331 *1965CURTIS, JAMES A . , F . S.A . . F . C . A, . F . C . L A . , Consulting Actuary, Milliman & *1965
Robertson, Inc., 914 Second Ave„ Seattle, Wash, 98104CUSHING, ARTHUR M., F . S . A ., F, C . I . A ., Actuary, Dept . at Ins , Ottawa, *1965
Ontario K2A 0H2CUTLIP, WILLIAM C ., F . S. A., Assistant Vice-President and Actuary, 1970
CUNA Mutual Ins . Soc ., Madison, Wis . 53705CZUPEK, TED A., A.S.A., Assistant Vice-President and Director, 1971
Continental Assur. Co , Chicago, Ill 60685
DACKOW, OREST T, , F . S . A ., F . C . I . A, , Director, Group Products, 1966Great-West Life Assur, Co ., Winnipeg, Manitoba R3C 3A5
DAHLMAN, GARY E, , F S A. . A . C . A., Consulting Actuary, Milliman & 1970Robertson, 718 17th St., Denver, Colo . 80202
DAHME, ORVAL E, , F, C . A, S . , Senior Associate Actuary, State Farm Mutual 1966Automobile Ins . Cc , Bloomington, Ill . 61701
DAHN, DONALD B ., F.C .A. , 4624J Round Lake Rd . , Indianapolis, Ind. 46205 *1965DALLAS, KEITH J ., F, S, A, , Actuary, The Wyatt Co ., 65 William St., 1972
Wellesley Hills, Mass. 02181DALTON, EDWARD F ., F, S . A., Vice-President and Actuary, Phoenix Mutual *1965
Life Ins . Co., Hartford, Conn. 06115DALY, BRIAN L„ F .S.A., Director, Actuarial Science Program, *1965
Temple University, Broad St . & Montgomery Ave. , Philadelphia, Pa, 19122DALY, PETER, F . S . A ., F . C, I . A . , F . F . A . A ., Senior Vice-President, Finance, 1966
Independent Order of Foresters, Don Mills, Ontario M3C 1T9DAMTA, ANDREW P., Assistant Vice-President, Marsh & McLennan, 1967
1221 Avenue of the Americas, New York, N . Y. 10020DANA, FRANKLIN B ., F . S . A ., Assistant Director and Actuary, U . S. General *1965
Accounting Office, Washington, D . C. 20548DANCY, THOMAS H ., F . S . A, , Actuarial Vice-President, Manufacturers Life 1966
Ins. Co., Toronto, Ontario M4W 1E5DANDY, WILLIAM B, , F, S . A, , President and Chief Executive Officer, *1965
Directors Life Iris . Co . , Los Angeles, Calif . 90005DANIELS, DAVID A . , F. S. A ., F . C . A, , Assistant Vire-President, Alexander & 1966
Alexander , Inc ., 1185 Avenue of the Americas, New York, N, Y, 10036DANIELS, JOHN P ., F, S . A, , Actuary, The Wyatt Co ., 1660 Suburban Station Bldg., *1965
Philadelphia, Pa . 19103DANT, THOMAS M ., F . S . A, , Consulting Actuary, Peat, Marwick, Mitchell & Co ., 1966
555 S . Flower St, , Los Angeles, Calif . 90071DANZINGER, LEO J., F . S . A ., 9510 11th St ., N, , Tampa, Fla. 33612 *1965
Members 41
EnrolledDAOUST, JOSEPH H ., F . C . A ., The Wyatt Co ., 1717 First National Bldg , *1966
Detroit, Mich. 48226DARDEN, GEORGE R , JR . A. S. A., Vice-President and Actuary, USLIFE 1966
Life Ins . Co, of Texas , Dallas, Texas 75235DARNTON, JOAN M ., F. S . A ., F.C.A. , Consulting Actuary, Nelson & Warren, Inc.. * 1965
222 S . Central Ave, , St. Louis, Mo. 63105DASKAIS, RICHARD, F, S . A, , F, C . A ., Daskais & Walls, Inc., *1965
2 N. Riverside Plaza, Chicago, 111, 60606DASTUR, F, N ., F, S . A . , President, Management Applied Programming, Inc ., *1965
0420 Wilshire Blvd,, Los Angeles, Calif . 90048DAULTON, DAVID C ., F, S, A . . Vice- President and Actuary, Capital Holding Corp, , 1970
Louisville , Ky. 40401DAUSMAN, ROBERT U., F . S . A ., Vice-President and Actuary, Lamar Life Ins . Cu ., 1974
Jackson, Miss. 39205DAVI, JOSEPH N., F, S, A . , Principal, Towers, Perrin, Forster & Crosby, Inc ., 1969
90 Park Ave . , New York, N . Y. 10016DAVID, FRANK H., F . S .A., Vice-President and Associate Actuary, *1965
Prudential Ins, Co., Florham Park, N, Y, 07932DAVIDSON, GEORGE I. , III, A . S . A ., Assistant Actuary, Southern Farm Bureau 1974
Life Ins, Co ., Jackson, Miss . 39205DAVIDSON, JAMES I ., Consultant, P. O . Box 1008, Olympia, Wash, 98507 1966DAVIDSON, WAID J., A .S.A., Chairman of the Board, National Travelers Life 1966
Ins . Co., Des Moines , Iowa 50322DAVIDSON, WAID J., JR.. F. S . A, , Senior Vice- President, Southland Life Ins, Co, , 41965
Dallas, Texas 75221DAVIES, JAMES J ., A . S .A., M.C . A ., Consulting Actuary, Hazlehurst & Assoc ., Inc ., 1069
235 Pearhtree St ., N, E ., Atlanta, Ga . 30303DAVIES, KARL M, , F . S . A, , Senior Vice-President, Equitable Life Assnr, Soc, , *1965
New York, N. Y. 10019DAVIES, RONALD S., F . S . A ., F . C, I, A . . President, Davies Actuarial Consulting, 1966
Ltd ., 2221 Yonge St., Toronto, Ontario M4S 2114DAVIS, EDWARD E., F . S . A., Consulting Actuary, Putts, Davis & C o., Inc ., 1972
651 High St ., N E , Salem, Oreg . 97301DAVIS, EDWARD H, , JR ., F, C, A, , A, S, A , Consulting Actuary, George n, Buck 1960
Consulting Actuaries, Inc ., Two Pennsylvania Plaza, New York, N. Y. 10001DAVIS, J . KENNETH, A, S . A . , 321 Wilmington Rd. , Greenville, S . C . 29607 1966DAVIS, JOE E ., A, S . A . , Assistant Actuary, Jefferson Standard Life Ins, Cu ., 1970
Greensboro, N. C . 27420DAVIS, REX C ., A, C, A, S ., Assistant Vice-President and Actuary, Allstate Ins . Co, , 1969
Northhrook, Ill, 60062DAVIS, ROBERT, F .S.A., George B . Buck Consulting Actuaries, Inc ., 1971
Two Pennsylvania Plaza, New York, N . Y. 10001DAVIS, ROBERT F„ F, S .A., Actuary, Blue Cross- Blue Shield of Iowa, 41965
636 Grand Ave . , Des Moines, Iowa 50310DAVIS, ROBERT P . , F . S . A . , Associate Actuary, Penn Mutual Life Ins . Co ., 1971
Philadelphia, Pa. 19172DAWSON, ERNEST G ., M, C . A, , Assistant Vice-President and Consulting Actuary, 1966
Marsh & McLennan, 1515 N.W. Bank Bldg, , Minneapolis, Minn . 55402DAY, ROY E ., Assistant Vice-President and Associate Actuary, Life Ins . Co . of 1966
Georgia, Atlanta, Ga. 30308DEAL D, FRANK, F, S, A, , Assistant Actuary, National Life & Accident Ins Co . , 1972
Nashville, Tenn. 37250DEAN, CHARLES E . . 3021 Edgewood Dr,, Olympia, Wash 98501 1967DEAN, CHARLES E, , JR., F, S, A, , Consulting Actuary, Milbman & Robertson , Inc ., 1975
914 Second Ave. , Seattle, Wash . 98104DEAN, DARYL J., F, C, I, A ., F, S, A ., Executive Vice- President and Actuary, 1970
The Nyhart Co ., 3225 N Meridian, Indianapolis, Ind. 46208DEAN, JOSEPH E., Consultant, The Wyatt Co ., 1629 K St. , N . W ., Washington, 1970
D . C. 20006DEAN, WILLIAM R., F . S. A . , Second Vice-President & Associate Actuary, 1975
Liberty National Life Ins. Co , Birmingham, Ala . 35202DE BARTOLO, FRED, A, S, A ., A, C, A., Senior Vice- President, Philadelphia Life 1966
Ins . Co, , Philadelphia, Pa . 19107DE GEETER, ROBERT E., F, S, A, , Buchanan & Lewis, Inc ., 1967
7540 Lyndon B, Johnson Fwy,, Dallas, Texas 75240
42 Members
EnrolledDEITSCH, AARON , F . S. A. , Associate Actuary , Beneficial National Life Ins, Co . , 1974
N Y 10016New York, , .DELAHANTY, EDWARD L., F. S.A., Partner , Hewitt Associates,
1108 First National Bank Bldg., Minneapolis, Minn. 554021974
DELANEY, ANDREW , F,S.A ., A.C.A ., Senior Vice-President . American GeneraIns. Co . , Huustun, Texas 77001
l *l965
DE MARS, ROGER W,, Vice-President, Marsh & McLennan, Inc .,1221 Avenue of the Americas, New York, N . Y. 10020
1967
DE MELIO, JOSEPH J., F . C . A, S ., Vice-President and Actuary, Home Ins, Co . ,New York, N . Y. 10038
1966
DE MONTIGNY, ANDRE R., F, S, A, , Principal, Towers, Perrin, Forster &Crosby, Ltd. , 800 Ouest , Boul. Dorchester, Montreal , Quebec 11313 1X9
1972
DEN BOER, HEINRICH A., F . S. A, , Second Vice-President and Associate ActuaryPilot Life Ins, Co., Greensboro, N, C . 27420
, 1966
DENHAM, ROBERT M, , President, United Family Life Ins . Co., Atlanta , Ga. 30301 1966DENNIS, ROBERT J ., A. S . A . , Vice-President, Occidental Life of California, 1969
Los Angeles , Calif 90054DE PRENGER , HERBERT L., F, S.A., President , Reserve Life Ins Co ., Dallas, *1965
Texas 75202DESAI, KIRAN, F . S. A , M. C A., Vice-President and Actuary, Colonial Penn 1969
Life Ins, Co ., Philadelphia, Pa. 19103DESAI, KRISHNA B ., F, S. A ., Actuary , Office of Assistant Secretary of Defense,
The Penta Washinon ton D C 203101966
g , g , . .DESCHENES, 3 JACQUES. F, S, A . , Actuary, Sun Life Assur. Co. of Canada,
Montreal. Quebec H3C 3G51975
DE SELM , THOMAS A ., A , S, A., Associate Actuary, Security Benefit Life Ins . CoTopeka, Kans. 66636
, , 1966
DEUTSCHER, HAROLD J ., F. S, A, , Consulting Actuary . Buchanan & Lewis, Inc .,1901 Avenue of the Stars, Los Angeles, Calif . 90067
*1965
DEVEREAUX , DAVID G. , F . S. A . , Assistant Actuary, Connecticut General LifeIns. Co.. Hartford, Conn . 06152
1971
DEVINE, JAMES L ., F . S. A., Principal Actuary, New York State Ins, Dept, .324 State St ., Albany , N . Y. 12210
1966
DE VOL, DAVID, Consulting Actuary, Actuarial Analysts, 500 Bloomfield Ave .,Verona, N. J. 07044
1967
DEWAR, WALTER S ., F, S . A . , Vire-President, Great Southern Life Ins . Co .,Houston, Texas 77001
*1965
DE WEESE, CHARLES C., F . S . A ., Senior Actuarial Assistant,Connecticut General Life Ins. Co ., Hartford , Conn. 06152
1974
DEZUBE, MITCHELL , F . S .A., Vice-President and Actuary , Manhattan LifeIns. Co., New York, N, Y. 10019
*1965
DICE, WILLIAM F F. S. A . . Vice-President, Personal Insurance-Staff,Metropolitan Life Ins . Co.. New York, N, Y, 10010
+1965
DICKERMAN, ROBERT W., A . S, A ., Associate Actuary, Franklin Life Ins . Cu .,Springfield , Ill . 62713
1966
DICKLER, JOSEPH M . , F . S. A., Actuary, Metropolitan Life Ins, C,),,New York, N . Y. 10010
*1965
DICKSON, ROBERT K., JR., F, S . A ., Assistant Vice-President and Actuary,Connecticut Mutual Life Ins . Co. , Hartford , Conn. 06115
1974
DICKSTEIN, MORTON M., Actuarial Consultant , The Wyatt Co., 733 Third Ave .,New York, N. Y. 10017
1970
DIEMER. RICHARD L. . A . C. A. , Partner, Hewitt Associates . 102 Wilmot Rd . .Deerlield, Ill . 60015
1966
DILLINGHAM, GRACE V {Miss ), F, S.A., Assistant Actuary, American LifeIns, Assn, , 1730 Pennsylvania Ave ., N.W., Washington, D. C . 20006
1971
DILLMAN, JAMES W., A. S . A ., Senior Vice-President , Operations and Actuary, 1069Farm Fanuly Life Ins . Co ., Albany, N. Y. 12201
DILTS, CHARLES R ., A . S, A ., Consulting Actuary, Central Carolina Bank Bldg ., 1969Durham, N, C. 27701
DINNEY, GEORGE R., F.S.A., F . C, I, A , , Vice-President , Development,Great-West Life Assur . Co., Winnipeg , Manitoba R3C 3A5
1966
DI PAOLO, FRANK P . . F, S. A., F . C . I . A . . Actuarial Vice-President , U . S. and 1966Caribbean, Confederation Life Ins . Co., Toronto, Ontario M4W IH1
DISCENZA , JUDITH A,, F, S, A . , Associate Actuary, Massachusetts Mutual Life 1975Ins . Co,, Springfield, Mass . 01111
Members 43
EnrolledDITTMER, JOSEPH H., F . C . A., President, Abar Employee Benefit Plan Service, 1966
400 Cleveland Ave ., Plainfield, N . J . 07060DOBSON, ROBERT If., F, S . A . , Consulting Actuary . Milliman & Robertson. Inc., 1974
3131 N . W. 13th St ., Gainesville, Fla. 32601DODD, THOMAS K ., F . S. A. , 125 Ridgewood Rd ., West Hartford, Conn. 06107 *1965DODGE, FRANK F ., F, C .A., Consulting Actuary, Nelson & Warren, Inc, , 1966
150 N . Wacker Dr., Chicago, 111 . 60606DODSON, M. R., F S A . 5325 Gleneagles Dr ., Tucson, Ariz. 85718 *1905DOLAN, RONALD J ., F, S .A., Actuarial Assistant, Ohio National Life Ins . Co., 1975
Cincinnati, Ohio 45231DOLAN, RONALD V ., A . S. A., First Colony Life Ins . Co., P . O. Box 1280, 1975
Lynchburg, Va . 24505DOLLIVER, ARTHUR M., A . S . A., Executive Assistant, Business Men's 1970
Assurance Co ., Kansas City, Me,DOMENICO, PHILIP J ., A. S . A., Second Vice-President for Electronics Data 1966
Processing, Mutual u1 New York, Syracuse, N, Y. 13202DON, HARRY A., F . 5 . A ., Executive Consultant, John Hancock Mutual Life Ins . Co., 1972
Birmingham, Mich. 48010DONAHEY, JAMES R ., F . S . A,, Actuary, State of New Jersey, Dept . of Ins., *1965
201 E . State St ., Trenton, N . J. 08625DONNELLY, VINCENT W, , F S A, , Actuary, American Life Ins, Assn., 1975
Washington, D . C. 20006DONOVAN, MAURICE V ., F . S . A . , 41 Cranford Rd., Glen Rock, N . J. 07452 *1965DORF, STANLEY A . , F . C . A. S, , Supervising Actuary, New York Ins . Dept., 1966
123 William St . , New York, N . Y. 10038DORFMAN, EUGENE F., F S . A , Actuary, Health Insurance, Guardian Life *1965
Ins . Co., New Yark, N. Y. 10003DORMAN, ROLAND F ., F, S, A, , A . C . A„ Senior Vice-President, *1965
Connecticut General Life Ins . Co., Hartford, Conn . 06152DORN, LOWELL M ., F, S.A., F . C . I . A., 1952 Sharon St ., Boca Raton, Fla. 33432 *1965DORRIS, J, PAUL. F, S, A ., Vice-President, Group Insurance, West Coast Life 1971
Ins . Co., San Francisco, Calif, 94111DOSTERT, THOMAS E. , M . C . A., Director of Actuarial Services, Globe Life 1970
Ins . Co ., Chicago, Ill . 60606DOUCETTE, JOSEPH J., F. S .A., Vice-President, Group Actuarial and Pensions, *1965
Union Mutual Life Ins . Co, , Portland, Maine 04112DOUGLAS, DAVID L . S ., F . S . A, , P .O. Box 23, Dover, Mass. 02030 *1965DOW, HAROLD E., F . S . A, , Blue Mill Rd ., Morristown, N. J. 07960 *1965DOW, WILLIAM E ., JR., F, S, A,, Associate Actuary, Aetna Life & Casualty, 1906
Hartford, Conn, 06115DOWLING, JOSEPH H., F.S.A., Vice-President, Research, Drexel, Burnham *1965
& Co., 60 Broad St. , New York, N . Y. 10004DOWNING, RONALD E , F S . A , F, C, A., Consultant, Towers, Perrin, *1965
Forster & Crosby, Inc . . 1750 K St., N. W ., Washington, D . C. 20006DOWSETT, ROBERT C . . F . S.A., F. C . I. A . , President, Crown Life Ins. Co., 1966
Toronto, Ontario M4W 1B8DOYLE, B, H„ Assistant Secretary and Actuarial Supervisor, Guarantee Mutual 1966
Life Co., Omaha, Nebr. 68114DOYLE, MARTINA E (Miss), F . S . A . , A. C. A., Actuary, Connecticut General *1965
Life Ins . Co., Hartford, Conn . 06152DRAESEKE, DOUGLAS G., A. S . A . . Vice-President and Actuary, Life Ins . Co. 1972
of California, San Francisco, Calif . 94111DRAKE, DAVID C., F, S. A, , President and Actuary, Factuarial Company, 1967
2425 Glade Bank Way, Reston, Va. 22091DRAKE, LYLE F., A. S . A ., Vice-President and Actuary, Nationwide Life Ins . Co, , 1966
Columbus, Ohio 43216DRAKE, RICHARD H., F S A . . Actuarial Director. Individual Insurance, *1965
Prudential Ins . Co., Newark, N . J. 07101DREHER, WILLIAM A, , F. S, A., F . C . A ., F . C . I . A ., President, Dreher, Rogers & *1965
Assoc , Inc., 444 Madison Ave ., New York, N. Y. 10022DRENNAN, DANIEL F., A . S . A., Actuary, U . S . Railroad Retirement Board, *1065
844 Rush St ., Chicago, Ill. 60611DRENNAN, JOHN P ., Actuary, Allstate Ins . Co., Northbrook, Ill. 60062 1974DREW, WILLIAM A ., F . S . A., Vice-President and Actuary, Indianapolis Life *1965
Ins . Co ., Indianapolis, Ind . 46208
44 Mcmbers
EnrolledDREYER, ROBERT H ., F . S .A., Consulting Actuary, Milhman & Robertson, Inc ., 1966
150 Strafford Ave., Wayne , Pa. 19087DRISCOLL, FRANCIS T ., F, S, A , F C, A , Staff Actuary, George B . Buck
Consulting Actuaries , Inc ., Two Pennsylvania Plaza, New York , N . Y, 100011966
DRISKELL, RICHARD G. , A. S . A . Assistant Professor , Dept, of MathematicalSciences , Ball State University , Muncie, Ind . 47306
1971
DRISKO, ROBERT D ., F, S . A ., Coates , Herfurth & England, Consulting Actuaries,320 California St ., San Francisco , Calif . 94104
+1965
DROBISCH, MILES R., F.C . A . S. , Assistant Actuary, California InspectionRating Bureau, 1453 Mission St ., San Francisco, Calif . 94103
*1965
DROBNYK, WENDEL J., 229 Pablo Rd ., Pants Vedra Beach, Fla . 32082 1968DROPKIN, LESTER B ., F . C . A . S. , Vice - President and Chief Actuary,
Industrial Indemnity Co ., 255 California St ., San Francisco , Calif . 94120*1965
DROWN, GARY K., F, S, A. , Vice - President, Administration , Indianapolis LifeIns . Co., Indianapolis . Ind. 46206
*1965
DRUMM, F. LAWRENCE , F . S . A, , Vice- President and Actuary , Johnson & Higgins, *196595 Wall St ., New York, N . Y. 10005
DRURY, DAVID J., F . S. A. , Associate Actuary, Bankers Life Co ., Des Moines, 1971Iowa 50307
DUBUAR, CHARLES C ., A S A. , F . F .A.A . , 456 Kenwood Ave ., Delmar, *1965N. Y. 12054
DUFEY, PATRICIA J . (Ms.), F . S, A . , UAW Social Security Dept .,8000 E . Jefferson , Detroit, Mich, 48214
1975
DUFFIELD , DICKINSON C ., F, S, A ., 34 Fulton Pl ., West Hartford . Conn. 06107 +1965DUFFY, KENNETH T . . F . S .A . , Vice-President and Actuary,
Massachusetts Mutual Life Ins . Co., Springfield , Mass. 01111*1965
DUKAC Z, J ULIAN J. , F . S.A., F . C . I. A. , Associate Actuary , Sun Life Assur . Co .,Montreal , Quebec H3C 3G5
1971
DUMMER, ARTHUR O . , F . S . A . , Seniur Vice - President , Beneficial Life Ins , Co, ,Salt Lake City, Utah 84136
1966
DUNCAN, CARL I., M .C .A., Carl I . Duncan & Assoc ., One Romana Plaza,San Antonio, Texas 78205
1971
DUNCAN, ROBERT M, , F, S, A, , Executive Vice-President and Actuary,Teachers Ins . & Annuity Assn . , New York, N . Y. 10017
*1965
DUNKLEY, HERBERT C , A 5 A . . A C . A, . Actuarial and Pension Consultant,614-C Sutter St, , Folsom , Calif. 95630
-1965
DUNLAP, JAMES A., JR ., A. S . A, , Senior Vice-President , Marsh & McLennan, Inc.,2500 Prudential Center, Boston, Mass. 02199
1966
DUNN, EDWARD J. , A, C .A., Actuary, Houdaille Industries , Inc ., One M & T Plaza,Buffalo, N . Y. 14203
1966
DUNN, MELVIN B ., F, S . A ., Vice - President and Assistant to the President,Security Mutual Life Ins, Co, of New York, Binghamton , N. Y. 13902
1967
DUNN, ROBERT LEWIS, F . S . A., F . C . I. A., Associate Actuary , Group Insurance,Imperial Life Assurance Co., Toronto , Ontario M4V IN7
1970
DUNN, TED L , , A, S, A ., Vice-President , Actuarial and Underwriting Group Dept,,Provident Life & Accident Ins. Co„ Chattanooga , Tenn 37402
1968
DU PUY, JAMES R. , F . S . A. , Senior Vice-President , Administration,Southwestern Life Ins . Co ., Dallas , Texas 75221
1971
DURKIN, JAMES H., A . C . A. S ., Actuary , Peat , Marwick, Mitchell & Cu .,345 Park Ave., New York, N, Y . 10022
1966
DURLAND, LAWRENCE V ., JR., F . S . A ., Assistant Actuary , Union Mutual LifeIns . Co, , Portland , Maine 04112
1974
DU ROSE, STANLEY C ., JR., A, C, A, S, , Deputy Commissioner of Insurance .State of Wisconsin , 201 E . Washington Ave, , Madison , Wis. 53702
1966
DYER, HARLAND A ., A.S.A. , Actuary , Consolidated American Life Ins . Co .,Box 59, Jackson , Miss. 39205
1971
DYER, JOHN K., JR., F . S . A ., F, C . A., Box 194, Long Beach Branch, *1965Beach Haven , N. J . 08008
DYKHOUSE , JACK R„ F.S.A ., Actuary, Continental Assur, Co., Chicago, 1972Ill . 60685
DYMOWSKI, ROBERT J., F , S . A. , Milkman & Robertson , Inc ., 150 Strafford Ave.,Wayne , Pa. 19087
1970
Members 45
EnrolledEARLE, DAVID A., F, S. A., Assistant Actuary, New England Mutual Life Ins. Co.
Boston, Mass . 02117, 1974
EARLE, WILLIAM C ., JR ., Consultant, The Wyatt Co, , 1262 Suburban Station BldgPhiladelphia, Pa, 19103
., 1970
EASON, THOMAS F„ F . S .A., Vice-President and Actuary, Security Mutual LifeIns . Co., Lincoln, Nebr . 68501
1971
EASTERLY, WILLIAM E ., F, S. A ., Associate Actuary, Lincoln National Life 1966Ins, Co., Fort Wayne, Ind . 46801
EASTLACK, ALLEN C ., A, S .A., 1200 Canyonwood Ct., Walnut Creek, Calif . 94595 1966EASTON, ALBERT E ., F . S . A., Vice- President and Actuary, Berkshire Life Ins. Co
Pittsfield, Mass. 01201, , 1967
EATON, KARL F., A, C . A. S . , Vice-President and Controller, National FidelityLife Ins . Co., Kansas City, Mo. 64106
1966
ECKARD. GARRY M., F, S. A, , Consulting Actuary. Garry Eckard Associates,11025 Timber Ln., Carmel, Ind. 46032
1969
ECKERSLEY, DEREK, F . S. A . , F, C . I. A . , Vice-President and Actuary, 1969Dominion Life Assur . Co., Waterloo, Ontario N2J 4C(3
ECKERT, JOHN S., F . S. A. , Consulting Actuary, Milliman & Robertson, Inc .,200 Executive Dr ., Brookfield, Wis . 53005
1970
ECKERT, RALPH J ., F . S. A., President and Chairman, Benefit Trust LifeIns . Co., Chicago, Ill. 60626
*1965
ECKHART, KENNETH V., JR,, A. S . A., Consulting Actuary, K. V . Eckhart& Assoc . . 1355 Lynnfield Office Park, Memphis, Tenn . 38138
1966
ECKLER, SAMUEL, F.S.A., F . C . I. A . , F . F, A, A, President , Eckler, Brown,Segal & Co ., Ltd., 789 Don Mills Rd, , Don Mills, Ontario M3C 1T8
1967
EDDINS, JOSEPH M. , Vice-President, Maryland Casualty Co ., Baltimore, 1970Md. 21203
EDDY, ARTHUR C ., F, S, A, , F, C . I. A ., A . C . Eddy, 1699 Walnut Ln.,Rocky River, Ohio 44116
*1965
EDDY, C. MANTON, F . S . A., 51 Hunter Dr ., West Hartford, Conn. 06107 *1965EDE, CECIL F„ 32302 Alipaz St ., San Juan Capistrano, Calif . 92675 1967EDEN, JOHN P ., F, S . A ., Vice- President and Actuary, Keystone Provident Life
Ins, Co, , Boston, Mass, 02105*1965
EDNEY, D. E ., Assistant Vice-President, William M . Mercer , 1221 Avenue ofthe Americas, New York, N. Y. 10020
1969
EDWARDS, CHARLES E., F, S, A ., Chairman, The Edwards Group,3247 Duchess Trail, Dallas, Texas 75229
1971
EDWARDS, CLINT E ., F . S . A, , Senior Vice-President and Actuary, Liberty LifeIns . Co, , Greenville, S . C. 29602
1966
EDWARDS, DONALD R ., F . S . A. , Vice-President and Actuary, Lafayette LifeIns . Co., Lafayette, Ind. 47902
*1965
EDWARDS, FREI) L ., A . S . A., Director, Pension Accounts, Phoenix Mutual LifeIns . Co., Hartford, Conn . 06115
1971
EDWARDS, JOHN S., F, C, A., Consulting Actuary . Milliman & Robertson, Inc .,Lake Ave Pasadena251 S Calif 91101
1967. ., , .
EDWARDS, NORMA L . (Mrs.), A. S . A ., Consulting Actuary, 3024 N. Calvert St ., 1966Baltimore , Md. 21218
EDWARDS, RALPH E ., F . S. A., Vice-President and Chief Actuary, *1965Baltimore Life Ins, Co ., Baltimore, Md. 21201
EGAN, JOSEPH E, , F . S . A, , Actuary, Travelers Ins . Co., Hartford, Conn. 06115 1973EGGERS, THOMAS L ., F. C, A,, A, F, A, A ., Consulting Actuary, H . S . Tressel & *1965
Assoc., 10 S. La Salle St., Chicago, Ill. 60603EHLERT, DARRELL W., F . C . A. S ., Product Development Director, 1967
Allstate Ins . Co., Northbrook, Ill . 60062EHRHART, LAWRENCE A ., F. S, A, , Actuary, The Wyatt Co., 1629 K St, , N .W ., 1971
Washington, D . C . 20006EIDE, K. ARNE, F . C . A . S ., F . S . A ., Assistant Actuary, Metropolitan Life *1965
Ins . Co., New York, N . Y. 10010EILER, BURNESS R., A, S, A, , A, F . A, A, , Group Actuary, Ministers Life & 1966
Casualty Union, Minneapolis, Minn. 55416EIMERS, HOWARD G„ F.S.A., Senior Vice-President, Washington National
Ins . Co ., Evanston, Ill. 60201*1965
EISENBERG, PHILLIP A ., F,S,A., Director of Financial Planning, Mutual LifeIns. Cc, of New York, New York, N, Y, 10019
1972
46 Members
EnrolledEISENBERG, STEVEN A., F . S . A . , Actuary, Dan McGinn & Associates, Inc .,
P.O. Box 30077, Los Angeles, Calif . 900301975
EISNER, MORRIS, F, S, A, , Assistant Actuary, Metropolitan Life Ins . Co ., 1966New York, N. Y. 10010
EISNER, STANLEY L ., F . S. A., Vice- President and Associate Actuary, *1965Prudential Ins, Co„ Florham Park, N. J. 07932
ELDER, ROBERT M ., F . S . A. , Actuary, IDS Life Ins . Co., Minneapolis, 1971Minn. 55402
ELIASON, EDWARD B., F, C . A, S . , Actuary, Aetna Lde & Casualty, Hartford, 1967Conn. 06115
E LKEN, JOHN H. , A. S . A, , Senior Vice-President, Bankers Life Co. , Des Moines, 1966Iowa 50309
ELKIN, JACK M . , A . S. A., F, C, A ., Senior Vice-President and Chief Actuary, *1965Martin E . Segal Co . , 730 Fifth Ave., New York, N. Y. 10019
ELLENBY, MILTON Q. , A . S, A . , F . C, A, , Actuary, A . S . Hansen, Inc ., 196615D N. Wacker Dr., Chicago, Ill . 60606
ELLEY, FREDERICK W., F . S . A, , 17377 Libertad Dr ., San Diego, Calif. 92127 *1965ELLIOTT, GEORGE B ., F, C, A, S. , 1313 Idaho Ave ., Cape May, N. J. 08204 *1965ELLIS, DONALD M, , F .S.A., F . C . I . A . , 283 St . Leonards Ave, , Toronto 12, Ontar io 1966ELLIS, J, DANIEL, F .S.A., Buchanan & Lewis, Inc ., 7540 Lyndon B . Johnson Fwy, , 1972
Texas 75240Dallas ,ELLYSON, CRAIG W ., F . S .A., Associate Actuary, Massachusetts Mutual Life
Ins, Co., Springfield, Mass . 011111969
ELMSHAUSER, RONALD D. , Department Actuary, Nebraska State Ins . Dept.,1335 L St,, Lincoln, Nebr. 68508
1970
ELSTEI, ALLEN R., F, S . A . , Assistant Actuary, Connecticut Mutual Life Ins . CHartford, Conn. 06115
o., 1975
ELSTON, JAMES S ., F, S . A, , F . C, A, S, , 1640 Palmer Ave ., Winter Park, *1965Fla. 32789
ELY, RAY M ., F . S . A., F, C.A., Vice-President and Actuary, McGee & Co .,Two Girard Plaza, Philadelphia, Pa . 19102
*1965
EMERY, E. WARD, A, S .A ., Assistant Vice-President, Metropolitan Life Ins . Co.New York, N . Y. 10010
, 1971
EMMERT, GAYLE E., F . S . A . , Associate Actuary, Southwestern Life Ins . Co, ,Dallas, Texas 75221
1971
EMORY, LINDA B . (Mrs .), F . S . A . , Associate Actuary, Life Ins. Co, of Georgia,Atlanta, Ga . 30308
1969
ENGEL, LAWRENCE E., F . S . A . , Associate Actuary, Business Men's Assur . Co .Kansas City, Mo, 64141
, 1972
ENGEL, PHILIP L ., F, S . A., A . C . A, S ., Assistant Vice-President, CNA/InsuranChicago, Ill . 60685
ce, 1970
ENGEMAN, MELVIN A ., Assistant Vice-President and Associate Actuary,Capitol Life Ins . Co., Denver, Colo. 80203
1967
ENGEN, RICHARD A ., F, S . A ., Vice- President and Actuary , Minnesota MutualLife Ins . Co ., St . Paul, Minn, 55101
1966
ENGLAND, ARTHUR W., JR., F . S. A . , Coates, Herfurth & England,Consulting Actuaries, 320 California St ., San Francisco, Calif . 94104
*1965
ENGLISH, CHARLES B ., JR., F. S . A, , Actuary, Guardian Life Ins . Co.,New York, N. Y. 10003
*1965
ENGSTROM, PAUL E ., F . S . A, , Staff Actuary and Chiet Actuary, Excess Ins, GrouWorthing, Sussex, England
p, 1970
ENRIQUEZ, RUBEN F ., Assistant Actuary, National Old Line Ins . Co., Little Rock, 1971Ark. 72203
EPPENK, WALTER T ., F, C .A, S,, 152 Southwood Dr ., Kenmore, N, Y . 14223 *1965
EPSTEIN, NATHAN H., F. S. A., Senior Vice-President and Chiel Actuary, 1971Life Assur . Co . of Pennsylvania, Philadelphia, Pa. 19102
ERBE, ELSBETH T,McLennan , Inc .,
(Mrs.), A. S.A., Assistant Vice-President, Marsh &2500 Prudential Center, Boston , Mass. 02190
1970
ERDENBERGER, RICHARD W ., F . S. A, , Executive Vice-President,American National Ins . Co., Galveston, Texas 77550
*1965
ERICKSON, ARTHUR E ., JR., F, S, A, , Senior Vice-President, Insurance FinancePhoenix Mutual Life Ins . Co., Hartford, Conn. 06115
, *1965
ERICKSON, TERRANCE T. , A . S. A. , Unigard Olympic Life Ins . Co ., Seattle, 1973
Wash. 98124
I
Members 47
EnrolledERICSON, ARTHUR W ., F . S . A ., Vice - President and Associate Actuary, *1965
Prudential Ins . Co., Newark , N . J. 07101ERNSDORFF , ROBERT W., F. S.A., 494 Fairfield Rd., Wycoff , N . J. 07481 *1965ESCOTT , FRANCIS H., F . S .A., Metropolitan Life Ins . Co ., New York , N. Y 10010 *1965ESPIE, ROBERT G ., F, S . A ., F . C . A, S . . Vice-President and Corporate *1965
Comptroller , Aetna Life & Casualty , Hartford, Conn . 06115ESTEFANIA , J. RAMON, Chief Life Actuary , State of South Carolina , Dept , of Ins ., 1968
2711 Middleburg Dr ., Columbia , S. C 29240ESTELL, RICHARD J ., F, S, A, , Vice-President and Actuary - Health Ins , 1975
American Republic Ins . Co., Des Moines, Iowa 50301ESTES, E. FORREST, A. S . A., 941 N 67th St , Lincoln , Nebr. 68505 1956ETHINGTON, DALE F ., F. S , A ., Metropolitan Life Ins, Co., New York, N . Y. 10010 1971EVANS, DON J., F. S . A , , State of Indiana , Dept , of Ins . , Indianapolis , Ind . 46204 *1965EVANS, EVAN 1 . , F . C . A ., 210 Village Dr ., Columbus , Ohio 43214 *1905EVANS, JOHN J, , Associate Actuary, Southwestern Life Ins Cn ., Dallas, 1966
Texas 75221EVEN, CHARLES A ., JR ., F. C . A . S . , Second Vice - President and Actuary, 1969
Travelers Ins . Co ., Hartford , Conn. 06115EYERS, ROBERT G, , F . C . A . S., Associate Actuary , Aetna Ins . Co , Hartford, 1971
Conn. 06115EYRE, HARRY C ., F . S. A, , Vice-President and Group Insurance Manager, *1965
Nationwide Life Ins. Cu ., Columbus , Ohio 43215
FABER, JAMES A., F, C . A, S . , Manager , Peat, Marwick, Mitchell & C ompany,345 Park Ave ., New York , N. Y. 10022
1970
FABER, PETER R, , F, S . A. , Consulting Actuary, George B . Buck Consulting 1971Actuaries . Inc . , Two Pennsylvania Plaza, New York , N. Y. 10001
FACEY, JOHN A., F.S.A . , Vice-President and Actuary , Security- Connecticut LifeIns Co., Avon , Conn. 06001
*1965
FACKLER, DON F ., F . S. A . , Vice-President , Lincoln National Life Ins. Co ., *1965Fort Wayne , Ind . 46801
FAFIAN, JOSEPH , JR., F, S . A ., Senior Vice - President , Operations , USLIFE Corp . , 1966New York , N. Y. 10038
FAGAN , VINCENT F . , JR . , A . S . A . , Principal Actuary, New York State Ins Dept ., 19662 World Trade Center, New York, N , Y, 10038
FAGIANO, ANTHONY J . , Actuary, Insurance Div ., State of Colorado,201 E . Culfax Avc ., Denver , Colo. 80203
1973
FAIRBANKS , ALFRED V . , F . C . A, S . , Assistant Vice-President and Actuary, *1965Monarch Life ins . Co., Springfield , Mass 01101
FAIRBANKS, GUY L., JR . , A, S. A., Director , Group Division , Aetna Life Ins . Co .,Hartford , Conn. 06115
1966
FAIRFIELD , JAMES P. , Assistant Actuary, Indianapolis Life Ins . C,),, 1966Indianapolis , Ind. 46208
FAITH, EDWARD L., F . S . A ., 30 Willmore Rd., St Louis, Mo . 63109 *1965FALKOFF , BARRY J . , F . S .A., Assistant Group Actuary , New England Mutual 1974
Life Ins, Cc,, Boston, Mass, 02117FALLOW, EVERETT S ., F, C . A, S, , 28 Sunset Ter,, West Hartford , C onn , 06107 *1965FARB, EDWARD I ., F . S. A. . Consulting Actuary, George B . Buck Consulting 1972
Actuaries, Inc , 2 Pennsylvania Plaza, New York, N . Y 10001FARLEY, JARVIS, F . C . A . S, , Consultant, P . O Box 75, Babson Park, Mass . 02157 *1965FARMER, NEAL A ., F . S . A, , Vice-President and Actuary, Life Investors Ins . Co., 1966
Cedar Rapids , Iowa 52406FARMER, THURSTON P., JR., F. S . A ., F . C . A . , Consulting Actuary, *1965
T. P . Farmer, Jr,, 1000 Lake St . Louis Blvd., O'Fallon, Mo 63366FARNAM, WALTER E., F . C . A . S . , Director, Actuarial Services, National Accounts 1970
Dept., Aetna Life & Casualty , Hartford , Conn 06115FARQUHAR, WILLIAM A ., F, S.A ., Second Vice-President , New England Mutual
Life Ins . Co., Boston, Mass, 021171969
FARR, CHARLES E. , F. S. A, . F . C . I . A . , Second Vice-President and Actuary, *1965Bankers Life Co ., Des Moines , Iowa 50307
FARRANT, MAURICE H. , F . S. A, . F. C. A. , F, C . I, A, , Actuary, The Wyatt Co .,744 W. Hastings St., Vancouver , British Columbia V6C 1A5
1966
48 Members
EnrolledFAUSER, LOUIS, President and Actuary, Bankers Mutual Life Ins . Co. , Freeport, 1967
Ill . 61032FAUST, .1, EDWARD, JR., F . C . A, S ., Consulting Actuary, RR 1, Zionsville, *1965
Ind. 46077FAY, RICHARD C. , A, S . A, , Consulting Actuary, Carlm-Black Co. , 1966
1941 Bishop Ln., Louisville, Ky. 40218FAYOLLE, JOHN P., Actuary, Bristol-Myers Co, , 345 Park Ave., New York, 1971
N. Y. 10022FEAY, DALLAS H., A . S . A ., 22 Cedar Ave., Rockville Centre, N. Y 11570 1966FEAT, HERBERT L ., F . S . A . , F . F . A . A ., Actuary, W, L. Gardner & *1965
Associates, Inc, , 9 W Mulberry St ., Baltimore, Md. 21201FEAY, MAURICE F., F . S . A. , 1527 Pemberton Dr , Columbus, Ohio 43221 *1965FEEHAN, MICHAEL G, , A, S, A, , Consulting Actuary, Alexander & Alexander, Inc , 1971
1185 Avenue of the Americas, New York, N . Y. 10036FEENEY, WILLIAM A., F . S. A . , Vice-President and Actuary, Equitable Life *1965
Assur Soc_, New York, N . Y. 10019FELDMANN, KENNETH F ., F . S . A., Second Vice-President and Actuary, *1965
Home Life Ins, Co ., New York, N. Y. 10007FELDTMOSE, JOHN N ., F . S . A . , Vice-President, Johnson & Higgins, 95 Wall St ., 1970
New York, N Y . 10005FEELERS, WILLIAM W. , F . S . A., Actuary, The Wyatt Co ., 1629 K St , N . W., *1965
Washington, D, C. 20006FENICHEL, SEYMORE A ., F. S . A, , F, C, A ., Principal, Peat, Marwick, *1965
Mitchell & Co. , 345 Park Ave ., New York, N. Y . 10022FENKER, RICHARD M„ Consulting Actuary, P . 0, Box 59, Gallatin, Tenn . 37066 1967FENSTER, BERNARD, A, S . A, , Associate Actuary, Bankers Life & Casualty Co ., 1966
Chicago, Ill . 60630FERGUSON, ALAN N., F . S . A ., Vice-President and Actuary, Prudential Ins . Co., *1965
Newark, N. J. 07101FERGUSON, CLYDE L., F, C . A ., Ferguson Actuarial Service, P, 0 . Box 1388, *l965
Charleston, W . Va. 25325FERGUSON, RONALD E . . F.C . A . S ., Vice-President, General Reinsurance Corp ., 1971
600 Steamboat Rd . , Greenwich, Conn . 06120FERGUSON, THOMAS S., JR., F, S, A, , Assistant Vice-President, Equitable Life 1974
Assur. Soc ., New York, N. Y. 10019FERGUSON. WILLIAM A., F . 5 . A ., F . C . A ., President, Tillinghast & Co ., Inc., *1965
Tower Place, 3340 Peachtree Rd . , N . E ., Atlanta, Ga. 30326FERNANDEZ, WILLIAM N ., A, S, A, , Vice-President and Actuary, Stuyvesant Life 1969
Ins, Co ., Allentown, Pa . 18101FERRARA, THEODORE A., A . S, A, , A, C . A. , Vice-President-Chief Actuary, 1966
Titan Actuarial Services, Inc ., 853 Broadway, New York, N . Y. 10003FERRARI . J. ROBERT, A . C A. S , Vice-President and Chief Economist, 1971
Prudential Ins, Co. , Newark, N, J . 07101FERSTENrELD. LARRY H. . A, S. A, . Associate Actuary, The Wyatt Cu ., 1971
200 First National Bldg ., Detroit, Mich . 48226FEUER, HARVEY W ., A, S . A ., Assistant Vice-President and Associate Actuary, 1972
Bankers National Life Ins . Co. , Parsippany, N . J . 07054FEUER, PHILIP J ., F. S . A ., M, C . A ., Consultant, Towers, Perrin, Forster *1965
& Crosby, 600 Third Ave ., New York, N. Y. 10016FIBIGER, JOHN A, , F, S . A . , F . C .I.A, , Executive Vice-President, Home Office *1965
Administration, New England Mutual Life Ins . Co., Boston, Mass . 02117
FICKES, JERRY W., 10008 Master Dr ., Overland Park, Fans. 66212 1967FIELD, WARREN A ., F . S . A. , Vice-President and Actuary, Meidinger & 1968
Assoc., Inc., One Crown Center, Kansas City, Mo, 64108FILES, RICHARD L., F, S. A, , Senior Vice-President, Lincoln Liberty Life Ins, Co ., 1969
Lincoln, Nebr. 68501FILLINGHAM, ROBERT S., F . S . A. , Vice-President, Underwriting, Mutual Benefit 1966
Life Ins. Co., Newark, N . J . 07101FINELLI, JOHN J ., F . S . A . , P, O . Box 821, Southampton, N, Y, 11968 *1965FINK, JACK, F . S . A., Assistant Vice-President and Associate Actuary, 1971
Continental American Life Ins . Cu., Wilmington, Del . 19899FINK, RICHARD D ., F, S, A . , Actuary, Provident Mutual Life Ins. Co., *1965
Philadelphia, Pa . 19101FINKEL, PAUL A., F . S . A ., F . C, I, A . . Staff Actuary, ITT Financial Services, 1972
320 Park Ave„ New York, N. Y. 10022
Memberi 49
EnrolledFINKENBERG, FRANK E, , F, S . A. , Associate Actuary, Group Government 1969
Relations, 151 F'armington Ave ., Hartford, Conn. 06115FINLEY, JOHN M., F. S . A . , Actuary, The Wyatt Co . , 1400 Investment Plaza, 1972
Cleveland, Ohio 44114FINN, PETER J ., A, S . A ., Actuarial Supervisor, Metropolitan Life Ins. Co., 1969
New York, N. Y. 10010FINNEGAN, JOSEPH H., F . C . A . S . , 205 Ross Pl , Ho-Ho-Kus, N. J, 07423 *1965FINNEGAN, LAWRENCE J ., F . S . A. , President and Chairman of the Board, x1965
Boston Mutual Life Ins . Co., Canton, Mass, 02021FINNEGAN, PHILIP F ., F . S, A . , Actuarial Director, Individual Insurance, *1965
Prudential Ins, Co ., Newark, N . J. 07101FISANICK, GEORGE, F .S.A., 23-05 169th St, , Flushing, N, Y, 11357 *1965FISCHBECK, CHARLES L ., F. S A., Actuary, USLIFE Corp., New York, 1973
N. Y. 10038FISCHER, CARL H, , F, S, A., F, F, A, A ., F, C, A, , Professor Emeritus, Graduate *1965
School of Bus, Admin ., University of Michigan, Ann Arbor, Mich. 48104FISCHER, NIELS H., F . S . A ., Assistant Vice-President, Aetna Life & Casualty, *1965
Hartford, Conn 06115FISCHER, PATRICK C ., Head, Dept . of Computer Science, Pennsylvania State *1965
University, 304 Whitmore Lab, University Park, Pa. 16802FISHER, DONALD L ., F . S . A. , Senior Vice-President and Actuary, 1966
Government Employees Life Ins Co . , Washington, D. C . 20015FISHER, HILLARY J, , F, S, A, , 4246 Palmero Blvd, , Los Angeles, Calif . 90008 *1965FISHER, MARY C. 1Mies), F C A. . Consulting Actuary, Campbell Centre, +1965
8350 N. Central Expy. . Dallas . Texas 75206FITZGIBBON, WALTER J, , JR., F . C . A. S . , Actuary, Corporate Actuarial Dept, , *1965
Aetna Life & Casualty, Hartford, Conn . 06115FITZHUGH, GILBERT V . I . , F . S. A. , Actuarial Director, Individual Insurance, * 1965
Prudential Ins . Co., Newark, N. J. 07101FITZHUGH, GILBERT W., F, S . A ., F . C, A . S ., Box 1452, Rancho Santa Fe, *1965
Calif . 92067FITZPATRICK, RICHARD H ., F. S, A„ Vice-President & Controller, *1965
Equitable Variable Life Ins . Co . , Huntington Station, N . Y. 11746FIXMER, JOHN P., F, S . A . , Partner, Hewitt Associates, 102 Wilmot Rd., 1966
Deerfield, Ill . 60015FLAHERTY, DANIEL J . , F. C . A . S. , Vice-President, Planning, Colonial Penn 1968
Ins . Co., Philadelphia, Pa . 19103FLEISCHACKER, PAUL R. , F . S . A. , Consulting Actuary, George V. Stennes & 1970
Assoc., 2850 Metro Dr., Minneapolis, Minn . 55420FLEISCHER, DONALD R ., F, S . A. , Consultant, Towers, Perrin, Forster & 1974
Crosby, Inc , Centre Square West, 15th & Market Sts , Philadelphia, Pa, 19102FLEISCHER, EDWARD N. , F . S .A. , Director of Underwriting & Seriice, 1970
Mutual of New York, New York, N . Y. 10019FLEMING, JOHN M . , F.C.A., 460 Fairfield Rd., Wyckoif . N . J. 07481 1970FLICK, JESSE E ., F, C, A,, Consulting Actuary, 6300 N, Central Expy ., Dallas, 1966
Texas 75206FLICKNER, EDWARD A. , JR ., A . S . A, , Life Actuary, Georgia Ins . Dept., Atlanta, 1966
Ga. 30334FLIER, ALVIN, A, S . A ., 362 N, Flores St ., Los Angeles, Calif, 90048 1971FLINN, ELLIS D, , F . 5 . A . , A . F . A. A . , F . C . I. A . , Actuary, The Wyatt Co. , 1966
1629 K St., N W., Washington, D . C . 20006FLITTIE, JOHN H ., F . S . A, , President, Inter-Regional Actuarial Assoc., *1965
100 Dam Tower, Minneapolis, Minn . 55402FLOTT, ROBERT F ., F. C . A., F . F . A .A ., Partner, Brown & Flott, *1965
300 S. Wacker Dr ., Chicago, Ill . 60606FLOURNOY, SELWYN L,, JR ., F, S, A ., Second Vice-President and Actuary, 1973
Life Ins. Cc, of Virginia, Richmond, Va . 23209FLUHR, HOWARD, F. S . A ., Senior Vice-President and Actuary, Martin E . Segal Co ., 1971
730 Fifth Ave., New York, N. Y. 10019FLURY, JACK M., F, S . A, , Actuary, Ohio State Life Ins . Co., Columbus, 1974
Ohio 43215FLYNN, DAVID P., F . C, A . S ., Vice-President and Actuary, Crum & Forster 1971
Ins . Companies, P.O. Box 2387, Morristown, N . J. 07960FLYNN, JOSEPH T., A, S. A, , Vice-President and Actuary, Pierce National Life 1972
Ins. Co., Los Angeles, Calif . 90010
50 Members
EnrolledFODASKI, DONALD, A . S . A, , Hooker & Holcombe, Inc . , 100 Constitution Plaza,
Hartford, Conn. 061031970
FOLEY, ROBERT T ., A . S . A ., Towers, Perrin, Forster & Crosby,Centre Square West, 15th & Market Sts ., Philadelphia, Pa, 19102
1967
FORBES, E. DEAN, A . S . A ., Consulting Actuary, Nelson & Warren, Inc, ,222 S . Central Ave . , St . Louis, Mo. 63105
1966
FORBES, LEON D ., F . S . A . , Vice-President, Travelers Ins . Co., Hartford, *1965Conn 06115
FORDE, LUTHER O . , F . S, A., F, F .A. A, , Senior Vice-President and Chief Actuary , *1965Lutheran Brotherhood, Minneapolis, Minn. 55402
FOREST, WILLIAM B., A.S,A,, Associate Actuary, Provident Mutual Life Ins, CPhiladelphia, Pa . 19101
o., 1966
FORESTER, P . WILLIAM, F . S.A., A, C, A,, Second Vice-President and GroupActuary, Paul Revere Life Ins . Co. , Worcester, Mass . 01608
1966
FORKER, DAVID C ., F, C, A, S, , Commercial Actuary, Allstate Ins, Co . ,Northbrook, Ill 60062
1969
FORREST, ROBERT L., A. S . A ., Manager, Coopers & Lybrand, 100 Federal St .,
Boston, Mass . 021101971
FORSYTHE, ALBERT H ., JR., F. S . A . , F . C . I, A ., Second Vice- President,John Hancock Mutual Lite Ins . Cu ., Boston, Mass . 02117
*1965
FORTE, EDWARD T ., F S. A., M C A, , Consulting Actuary, ZischkeOrganization, Inc., Cracker Plaza, San Francisco, Calif. 94104
1973
FORTIER, BRIAN J ., F . S . A ., Actuary and Consultant, Guardsman Lite Ins . Co .,
West Des Moines , Iowa 502651970
FORTUIN, HENRY J, L ., JR ., F.S.A., F . C . I . A. , F . C . A, , Director,William M. Mercer, 1221 Avenue of the Americas, New York, N . Y, 10020
*1965
FOSLER, HOWARD, F. C . A., Consultant, The Wyatt Co., 1400 Investment Plaza,
Cleveland, Ohio 441141966
FOSSA, E. FREDERICK, A, C . A, S., Actuary, Commercial Union Assur . Co ., 1971
Boston, Mass . 02108FOSTER, ALLAN, F . S . A . , Associate Actuary, West Coast Life Ins . Cu . ,
San Francisco, Calif . 941201972
FOSTER, ROBERT B ., F.C .A . S . , Actuary, Travelers Ins . Co ., Hartford, *1965Conn. 06115
FOWLER, THOMAS W ., F . C . A . S . , Actuary, North American Reinsurance Corp ., *1965New York, N. Y. 10017G . KINGSLEY, F . S . A ., F, C, I, A ., President, Imperial Life Assur. Co .FOX 1967,
of Canada, Toronto, Ontario M4V 1N7FOX, MARTIN S, , F . S . A ., Associate Actuary, Occidental Life Ins . Co.
of California, Los Angeles, Calif . 900511966
FRANCIS, DONALD R. , F . C .I.A . , F, S .A. , Assistant Vice-President and Actuar
Hartford Life Ins . Co., Hartford, Conn . 06115y, 1970
FRANK, MARTIN J. , A, S A . , F . C . A . , Principal, Towers, Perrin, Forster &Crosby, Inc ., Centre Square West, 1500 Market St, , Philadelphia, Pa. 19102
1967
FRANK, MICHAEL W., F . S . A. , Consulting Actuary, 24 Annette St, , Edgewater, 1974
N, J 07020FRANKEL, STEPHEN H ., F . S. A. , Assistant Actuary, Northwestern Mutual Life
Ins . Co., Milwaukee, Wis . 532021971
FRANKLIN, ANNEMARIE (Miss), F, S .A. , Assistant Actuary, New York LifeIns . Co., New York, N. Y. 10010
1975
FRANKLIN, N, MATHEW, A, C, A . S . , Associate Actuary, Insurance Services Offic
New York, N . Y 10038
e, 1966
FRANKOVICH, ERNIE, F . S . A ., Consultant, George V. Stennes & Assoc.,
2850 Metro Dr ., Minneapolis, Minn . 554201973
FRANKS, GEORGE V., F . S, A . , Assistant Comptroller, Prudential Ins . Cc , 1967
Newark, N . J . 07101FRANZ, LORRAINE M . (Miss), Assistant Actuary, George B . Buck Consulting
Actuaries, Inc ., Two Pennsylvania Plaza, New York, N. Y. 100011966
FRATELLO, BARNEY F., Actuary, Tudor Kent, 1 Pleasant Ave ., Plainview, 1966
N. Y. 11803FREDA, PHILIP J ., F . S . A ., 135 Randolph P1. . West Orange, N . J. 07052 *1965FREDERICKSON, JON H., F . S . A. , Actuary, Travelers Isis . Cc , Hartford, 1968
Conn. 06115Inc .,Marsh & McLennanAssistant Vice-PresidentRICHARD WA
1967,,,,N,FREEM2500 Prudential Center, Boston, Mass. 02199
i
Meurabers 51
EnrolledFREILICH , STANLEY R. , F . S.A. , M, C . A, , Principal , Towers , Perrin, Forster 1969
& Crosby, Centre Square West, 15th & Market Sts ,, Philadelphia, Pa, 19102FRENCH , JAMES T., A, C , A, S ., Assistant Vice-President and Assistant Ac
Mutual of Omaha, Omaha , Nebr . 68131tuary, 1968
FREY, GEROLD W ., F . S .A., Second Vice-President and Group Actuary,New York Life Ins . Co . , New York, N, Y. 10010
*1965
FRIDLEY, RICHARD M, , F . S, A., A, C . A. . Senior Vice-President , InternatOperations , Pan-American Life Ins. Cu ., New Orleans, La. 70119
ional *1965
FRIEDMAN, JACOB A, S. A., Vice- President and Actuary , World Ins, Co . ,Omaha, Nebr. 68101
1968
FRIEDMAN, LLOYD K., F . S . A ., F . C, A, , President, Lloyd K . Friedman,1770 St . James Pl ., Houston , Texas 77021
*I965
FRIEDRICHSEN , DETLEF F ., F . S . A . , Assistant Actuary, Bankers Life Co .Des Movies , Iowa 50307
, 1974
FRIEDSTAT , CHARLES D ., F . S. A . , Associate Actuary, Tax Planning,Continental Assiir . Co., Chicago, Ill . 60685
1973
FRIEND, EDWARD H. . F S A , F . C, A . , President, Edward H. Friend and1800 K St ., N . W., Washington, D. C. 20006
Co ., *1965
FRIES, EDWARD S., Consulting Actuary, 1569 Broadview Ter ., Columbus, 1967Ohio 43212
FRUCELLA , JOHN J . , F . S. A., President , Hill Country Life Ins . Co., Aust in, 1967Texas 78766
FRY, JOHN S ., F . S . A ., Actuary , William M Mercer, 222 S . Riverside PlaChicago , Ill . 60606
za, *1965
FUERSTE, KARL W, , A, C . A ., 1981 Laraway Lake Dr . , Grand Rapids , Mich 49506 1966FUHLRODT , NORMAN T., F, S . A . , 16531 Carousel Ln. , Huntington Beach, *1965
Calif . 92649FURLIN, RICHARD , F . C . A . , Actuary , Ebasco Services , Inc ., 100 Church S
New York, N Y. 10007t. , 1966
FURLONG, HENRY T., F, S . A, , Second Vice-President and Actuary , UnitedLife Ins. Co., New York, N . Y 10038
States 1966
GABRIEL, A , GERALD, F.C . A., F . F . A . A . , Partner , Gabriel, Roeder, Sm& Co., 1239 First National Bldg ., Detroit, Mich. 48226
ith *1965
GADIENT, FRANK J ., F . F . A . A. , 17400 Gull Blvd ., North Redington Beach, *1965Fla. 33708
GAINES, NATHANIEL, F, S . A,, F.C.A., A . C . A . S., Vice-President andConsulting Actuary, George B . Buck Consulting Actuaries, Inc .,Two Pennsylvania Plaza , New York, N . Y 10001
*1965
GAIONI , ROGER B„ F . 5, A., Assistant Vice-President and Associate ActuarEquitable Life Assur , Soc , New York, N. Y. 10019
y, *1965
GALKO, JOSEPH R. , F . S . A . , Actuary, Aetna Lite & Casualty, Hartford, *1965Conn. 06115
GALL, JOHN, A, S, A ., F, F, A, A., 1618 S . Sanders, Appleton, Wis. 54911 *1965GALLAGHER, ROBERT R., F, S . A, , President, North American Reins . Cu.
New York, N. Y. 10017, 1967
GALLOWAY, CHARLES T , P ., F, S . A, , F . C .1, A ., Vice- President and ActuNational Life Assur . Co., Toronto, Ontario MSG IY7
ary, 1968
GALLOWAY, HARVEY S., JR., F . S. A . , Vice-President , Nationwide Corp.,Columbus , Ohio 43216
1966
GALT, THOMAS M, , F, S . A, , F . C, I . A, , President, Sun Life Assur. Cu .,Montreal, Quebec H3C 365
1967
GAMERDINGER, CHARLES W ., F,S.A,, 23 Westwood Rd , West Hartford, *1965Conn 06117
GAMMILL , GLEN M . , F . S. A. , Manager , Peal , Marwick, Mitchell & Co .,Bryan Tower, Dallas, Texas 75201
1970
GAMMILL, MILES B, , F . C, A ., Consulting Actuary, 107 Laburnum , San Antonio, *1965Texas 78209
GANNON, JOSEPH T . , F . S . A . , Rt . 1, Box 750 B , Punta Gorda, Fla. 33950 *1965GANRUD, ROBERT P., A, S, A ., Assistant Vice - President - Director of Rese
& Development , Lutheran Brotherhood , Minneapolis , Minn . 55402arch 1975
GANT , ROBERT L., F. S . A ., Actuary, Johnson & Higgins of Washington,1215 Fourth Ave ., Seattle , Wash . 98161
1974
52 Members
EnrolledGARBER, HARRY D., F . S . A., Senior Vice-President and Corporate Actuary, *1965
Equitable Life Assur . Soc., New York , N. Y, 10019GARDINER , JAMES R , F , S A , A, C . A. , Supervising Actuary . New York *1965
Ins. Dept ., 2 World Trade Center, New York, N, Y, 10047GARDNER , HERBERT S . , F . S. A, , Box 92, Hancock, N, H. 03449 *1965GARDNER , JOHN R . , F .S.A ., F. C . I. A. , Vice- President , Marketing. 1973
Sun Life Assur , Cc of Canada ( U . S . ), Wellesley Hills, Mass. 02181GAREY, JAMES W, , A . S .A. , Second Vice -President and Treasurer, 1966
Companion Life Ins . Co ., New York, N . Y. 10017GARFIELD , OWEN J , F. C I. A . F S . A . Vice -President and Group Actuary. 1976
Life Ins . Co. of North America , Philadelphia, Pa. 19101GARFIELD , RALPH, A, S . A ,, Chairman , Actuarial Science Division, College of 1966
Insurance, 123 William St ., New York , N. Y. 10038GARFIN, LOUIS , F. S . A, , Vice - President and Chief Actuary , Pacific Mutual Life *1965
Ins Cc Newport Beach , Calif. 92651GARNET, WAYNE W., A . S . A . , 8422 Washington Blvd,, Indianapolis , Ind, 46240 1966
GARRETT, HARPER L., JR, , F . S . A ., Vice-President , Alexander & Alexander , Inc ., *19651185 Avenue of the Americas , New York, N . Y. 10036
GARRISON, THEODORE W., F . S . A, , Vice - President and Actuary, Group Insurance, *1965Benefit Trust Life Ins , Co., Chicago , Ill . 60626
GASSNER, HENRY P ., 2153 California St , N .W . , Washington , D. C . 20008 *1965GAUER, DONALD L., F . S . A ., F . C . I . A . , Actuarial Vice- President , dun Life 1973
Assur. Co . of Canada , Montreal, Quebec H3B 2V9GAULD, EDWIN S. , F, S, A . , Senior Consultant, A. S. Hansen , Inc, , 600 Third Ave , 1970
New York, N. Y. 10016GAVRITY, JOHN D, , F . S .A., Associate Actuary , United States Life Ins. Co., 1970
New York. N , Y, 10038GEHRIG , JULE L ., F . S . A , , Vice-President and Associate Actuary, 1966
National Guardian Life Ins, Co , Madison , Wis 53701GEISLE R. RICHARD J , F, S. A . Associate Actuary, National Life Ins . Co., 1973
Montpelier , Vt, 05602GELLES, MANUEL, F.S,A., 241 Central Park West, New York, N . Y . 10024 1965GEORGE, FRANCIS , Vice - President and Chief Actuary , Texas Life Ins. Cc , 1971
Waco , Texas 76701GEREB, DANIEL L., A, S A. . M C. A., Actuary, Kwasha Lipton Inc., 1966
429 Sylvan Ave ., Englewood Cliffs, N. J. 07632GERMAIN , JAMES B, . F. S . A . . F . C . A . Actuary, The Wyatt Co., 1966
1400 Investment Plaza, Cleveland, Ohio 44114GERMANN , JOHN R., F , S . A . , Director , Systems and Programming, 1971
Provident Life & Accident Ins, Co ., Chattanooga, Tenn. 37402GERMOND, ARTHUR , A, S.A., System Design Specialist, Equitable Life Assur. Soc., 1966
New York , N, Y 10019GERRITY, JOSEPH F ., F, C . A . . Consulting Actuary, A . S . Hansen, Inc., 1J66
700 N . Water St ., Milwaukee, Wis 53202GERSIE. MICHAEL H , F S . A ., A C . A. S. , Assistant Actuary , The Bankers Life, 1975
Deb Moines , Iowa 50307GERUNDO, LOUIS P., JR., F, C.A . S . . Assistant Actuary, Travelers Ins . Co., 1975
Hartford , Conn. 06115GESNER, NORMAN B., F. C . A., Vice -President , Edward J . Peters & Assoc ., Inc ., 1970
3550 Washington Blvd ,, Indianapolis , Ind . 46205GETMAN, RICHARD A, , A, S . A ., A . C . A, S ., 61 Ferneliff Dr ., West Hartford, 1966
Conn 06117GEWIRTZ. PAUL A , F S. A . . A C . A. , Associate Actuary, Hartford Life 1971
Ins . Co ., Hartford . Conn 06115GIANCOLA, WILLIAM T ., F . S .A., Assistant Vice-President and Actuary, 1971
Life Ins . Co, of North America, Philadelphia , Pa 19101GIANINO, JOHN J ., F, S . A , , Second Vice - President , John Hancock Mutual Life *1965
Ins Co . , Boston, Mass . 02117GIBBS, RICHARD L ., F, S. A ., Assistant Actuary , Teachers Ins . & Annuity Assn ., 1974
New York . N, Y. 10017GIBNEY, LAWRENCE J . , A, S , A, , Actuary , Division of Retirement, State of Florida. 1966
Carlton Bldg ., Tallahassee , Fla. 32304GIBSON, CHARLES T,, A, S,A,, Vice - President and Actuary, Pacific Standard Life 1971
Ins . Co . , Sacramento, Calif, 95808
Me,nbers 53
GIBSON, EARL, Consultant, The Wyatt Co., One First National Plaza, Chicago,Enrolled
1970Ill . 60603
GIBSON, JOHN A., III, F. C, A, S ., Vice-President and Actuary, Colonial Penn 1968Life Ins . Cc,, Philadelphia, Pa. 19103
GIBSON, KEATH P., A . 6 . A_ Associate Actuary, American Telephone & 1969Telegraph Co., New York, N, Y. 10007
GIBSON, THOMAS R., F, S. A. , Actuarial Vice-President, Farm Bureau Life 1973Ins . Co . , West Des Moines, Iowa 50265
GIEGERICH, WILLIAM E ., JR, , F, S, A, , Consulting Actuary, George B, Buck 1972Consulting Actuaries, Inc , Two Pennsylvania Plaza, New York, N . Y. 10001
GIESINGER, RONALD P ., F . S, A . , Consultant, Towers, Perrin, Forster & 1968Crosby, Ltd, 800 Dorchester Blvd . W Montreal , Quebec H3B 1X9
GILBERT, DATON, F .S.A., 10 Thomson Rd ., West Hartford, Conn. 06107 *1965GILBERT, HAROLD, A . S . A ., A, C . A ., Consulting Actuary, George B Buck 1966
Consulting Actuaries, Inc ., Two Pennsylvania Plaza, New York, N . Y, 10001GILCHRIST. JOHN T., F, S A , A C, A , Vice-President and Actuary, 1966
Executive Life Ins . Cu., Beverly Hills, Calif . 90212GILES, L. TIMOTHY, F, S . A . , Actuary, Fidelity & Guaranty Life Ins. Co ., 1970
Baltimore , Md 21203GILL, ARDIAN F, S . A., F . C . 1. A ., Senior Vice-President and Chief Actuary, *1965
Mutual of New York, New York, N, Y. 10019GILL, JAMES F ., A, C, A, , A . C . A . S . , Actuary, Westfield Ins, Cos ., 1966
Westfield Center, Ohio 44251GILLAM, WILLIAM S ., F.C,A.S., Associate Actuary, Insurance Services Office, *1965
160 Water St., New York, N, Y. 10038GILLESPIE, HUGH, F, C . A., Vice-President and Consulting Actuary, *1965
George B, Buck Consulting Actuaries, Inc ., Two Pennsylvama Plaza,New York, N. Y. 10001
GILLESPIE, JAMES E ., F, C . A, S . , Assistant Actuary, CNA Insurance, Chicago, *1965Ill 60685.
GILLIGAN, JAMES T ., Consultant, The Wyatt Co , 1717 First National Bldg ., 1970Detroit, Mich . 48226
GILLIS, WAYNE A, , A, S, A, , Senior Vice-President, Midland National Life Ins . Co . . 1966Watertown, S . Dak 57201
GILMAN, PAUL H ., F . S .A,, Associate Actuary. Califorina-Western States Life 1966Ins . Co, , Sacramento, Calif . 95804
GINGERY, STANLEY W ., F . S .A., A, C . A, S ., 4262 Island Circle, Apt . B, *1965Caloosa Bayview, Fort Myers, Fla . 33901
GINSBURGH, HAROLD J., F, C . A . S . , 3183-B Alta Vista, Laguna Hills, +1965Calif, 92653
GITTINGS, KENNETH L ., F . S .A. , Vice-President and Actuary, Colonial Life 1966Ins . Co , East Orange, N . J. 07019
GIVENS, HARRISON, JR., F, S, A . . Vice-President and Actuary, Equitable Life *1965Assur. Soc , New York, N, Y . 10019
GLADSTONE, DAVID M ., F . S. A., Consulting Actuary, Hazlehurst & Assoc., Inc ., 1973400 108th N E ., Bellevue, Wash. 98004
GLANZ, MILTON P, , A, S, A ., Actuary, Social Security Administration, Baltimore, 1969Md. 21235
GLASGOW. JAMES E ., F, C . A, , A, S . A . , Manager, A . S . Hansen, Inc., 1966626 Wilshire Blvd., Los Angeles, Calif . 90017
GLASS, JOHN T ., F . S . A ., Second Vice-President and Controller, Lincoln National 1966Life Ins . Co., Fort Wayne, Ind . 46801
GLATHAR, JAMES A., F . S .A., Actuary, Guarantee Mutual Life Ins . Co ., 1972Omaha, Nebr. 68114
GLAZIER, RICHARD L ., F . S. A . , 010 Mayfair Ave., Richmond, Va . 23226 *1965GLENN, JOHN L., F . S . A., Consulting Actuary . 1021 Springdale Rd ., N. E ., *1965
Atlanta, Ga . 30306GLICKMAN, MORRIS, A.S . A . , Assistant Actuary, Martin E . Se,-al & Co ., 1971
730 Fifth Ave, , New York, N . Y, 10019GORES, JAMES A ., F . S .A., Vice-President, Hooker & Holcombe, Inc . , *1965
125 LaSalle Rd , West Hartford, Conn. 06107GODDARD, ALAN C ., F, S . A, , Second Vice-President, Pensions, Phoenix Mutual *1965
Life Ins . Co., Hartford, Conn . 06115GODDARD, DAVID G., A . S . A ., Consulting Actuary, Zischke Org ., Inc , 1966
Crocker Plaza, San Francisco, Calif . 94104
54 Members
EnrolledGODDARD, RUSSELL P, , F .C . A . S . , Chief Actuary, South Carolina Dept. of 1970
Insurance , 2711 Middleburgh Dr ., Columbia, S. C 29204GODSHALK, KENNETH C . , F . C. A., Consulting Actuary, 4900 Veterans Blvd ., 1969
Metairie, La . 70002GODWIN, PARKE, Vice-President, Actuarial Dept., Farmers Ins. Group, 1966
Los Angeles, Calif . 90051GOEBEL, RALPH H . , F . S . A . , Vice-President and Actuary, Northwestern National *1965
Life Ins . Co., Minneapolis, Minn . 55440GOETSCH, CLIFFORD A., A . S . A ., Vice- President , Group, United States Life 1971
Ins . Co., New York, N. Y. 10038GOLD. BARBARA R. (Mrs .), F . S. A, , Senior Actuarial Assistant, Metropolitan 1975
Life Ins . Co . . New York, N, Y, 10010GOLD, ME LVIN L . , F . S . A, , A . C . A . S . , A, F. A, A. , A . C, A, , F . C, I . A. , *1965
President, M . L . Gold & Co., Consulting Actuaries, 39 S . Fullerton Ave .,Montclair, N, J. 07042
GOLDBERG, ALAN, F . S . A, , Vice-President and Actuary, Sun Life Ins Co 1966of America, Baltimore, Md . 21201
GOLDBERG, DAVID, Vice-President, Ins . Operations, and Actuary, Farmers & 1966Traders Life Ins, Co. , Syracuse, N Y, 13201
GOLDBERG, EDWIN L., Consulting Actuary, Downing & Desautels, 196610 Post Office Square, Boston, Mass 02109
GOLDBERG, JOSEPH, F. C, A ., Vice-President and Actuary, Thompson Pension 1966Employee Plans, Inc ., 400 Park Ave,, New York, N. Y. 10022
GOLDBERG, MICHAEL C . . A. S. A ., A, C A., Financial Data Planning Corp., 19681600 S . Bayshore Ln . , Coconut Grove, Fla . 33133
GOLDBERG, MILTON J . , F, S . A, , Vice- President and Associate Editor of "Probe, " * 1965666 5th Ave., New York, N. Y. 10019
GOLDEN, JEROME S. , F . S .A. , Associate Actuary, Equitable Life Assur, SO(,, 1971New York, N, Y. 10019
GOLDMAN, FERNE R. (Miss), Coopers & Lybrand, 1251 Avenue of the Americas, 1969New York. N, Y, 10020
GOLDSTEIN, ALICE B . (Mrs, ), A . S. A., Actuarial Associate, North American 1966Reassur. Co., New York, N. Y. 10017
GOLDTHORPE, RONALD A ., F . S . A . , Assistant Actuary, Canada Life Assur . Co., 1975Toronto, Ontario M5G 1R8
GOODE, ROBERT B ., F . S . A ., F . F, A, A ., A. C . A, , Executive Vice-President and *1965Chief Operating Officer, Hartford Life Ins . Co, , Hartford, Conn. 06115
GOODELL. DAVID A., A, 5 . A ., 13305 Rolling Hills Ln ., Dallas, Texas 75240 1070GOODFARB, LENARD E., F, S . A ., F, F . A . A . , Consulting Actuary . FasternPension *1965
Assoc,, Inc ., Two Penn Center Plaza, Philadelphia, Pa . 19102GOODING, DAVID E ., F, S . A. , Second Vice-President and Associate Actuary, 1970
The National Life & Accident Ins . Co., Nashville, Tenn . 37250GOODRICH, CLARENCE R., F . S . A ., 3838 Castleman Ave ., St . Louis, Mo. 63110 *1965GORDON, FRANK N., JR, , Senior Vice-President and Actuary, First Pyramid Life 1967
Ins . Co., Little Rock, Ark . 72201GORDON, JAMES H., F. S, A, , Consulting Actuary, Charles G. Bentzin 1969
Associates, Inc ., 114 W. Adams, Phoenix, Ariz. 85003GORDON, NEIL B., F, S, A ., Associate Actuary . Teachers Ins . & Annuity Assn ., 1966
New York, N. Y. 10017GORDON, NORMAN V., F . S. A ., Associate Actuary, Life Ins . Co. of 1970
North America, Philadelphia, Pa. 19101GORDON, ROSS C, , A . S, A., Consulting Actuary, 44 Montgomery St., 1975
San Francisco, Calif . 94104GOSSROW, ROBERT W., A, C, A . S., Associate Actuary, Allstate Ins, Co., 1971
Northbrook, lit. 60062GOTTLIEB, BENJAMIN I ., F. S. A, , Supervisory Actuary, U . S . General Accounting 1969
Office, Washington, D . C . 20548GOULD, DONALD E., A, C . A, S., Associate Actuary, North American 1966
Reinsurance Co,, New York, N. Y. 10017GOULD, JOHN B ., F . S . A., F . C, I . A ., Actuary - Consultant, William M . Mercer, 1971
Ltd ., 7 King St, , Toronto, OntarioGOULD, JOHN C ., F, S . A., Vice-President and Chief Actuary, Louisiana & 1966
Southern Life Ins, Co., New Orleans, La. 70112GOULD, WILLIAM, F . S .A., Actuary, Metropolitan Life Ins . Co., New York, *1965
N. Y. 10010
Members 55
EnrolledGOWDY, ROBERT C ., F . C . A . S ., Vice- President, Industrial Indemnity Co., 1972
San Francisco, Calif . 94120GRACE, WALTER L ., F . S . A ., Vice-President and Actuary, Massachusetts Mutual *1965
Life Ins . Co ., Springfield , Mass. 01111GRADY, DAVID J, , F . C, A, S ., Associate Actuary, Travelers Ins . Co . , Hartford, 1972
Conn 06115GRADY, JOHN H., F . S . A . , Manager, Coopers & Lybrand, One Bush St., 1974
San Francisco , Calif . 94104GRAF, DENNIS J, , A, S . A ., Consulting Actuary, Milliman & Robertson, Inc , 1975
200 Executive Dr., Brookfield, Wis. 53005GRAHAM, CHARLES M. , F . C, A, S . , Consulting Actuary, 13760 104th Terrace, N., *1965
Largo, Fla . 33540GRAHAM, GARY G., A . S . A., Vice-President and Actuary, Federal Liie & 1969
Casualty Co., Battle Creek, Mich, 49016GRAHAM, MARTHA B. (Mrs ), F . S . A, , Associate Actuary, Life Ins, Co. o1 1969
Virginia, Richmond, Va . 23261GRAINGER, VINCENT, A, S . A ., Director of Group Underwriting, Prudential Ins . Co., 1966
Los Angeles, Calif . 90051GRANT, P . G . , F . 5, A ., Principal, Towers, Perrin, Forster & Crosby, Ltd , 1974
110 Jermyn St ., London, SW 1Y 6HB, EnglandGRANT, MA. ROSARIO S ., F . S . A, , First Industrial Life Ins Co ., Manila, 1974
PhilippinesGRANTIER, JOHN W, , F.S.A., Vice- President and Senior Actuary, Booke & Cu , 1970
P 0 Box 66, Winston- Salern , N. C 27102GRAVES, CLYDE H ., F . C . A . S., Professor of Actuarial Science, Institute of *1965
Business Administration , Ahmadu Bello University , PMB 1013, Zaria .Nigeria, Africa
GRAVES, WILLIAM T, , F . S . A . , Vice- President and Chief Actuary, *1965Liberty National Life Ins Co ., Birmingham, Ala, 35202
GRAVITZ, DAVID, A.S.A., F . C . A, , Consulting Actuary, George B. Buck 1966Consulting Actuaries , Inc , Two Pennsylvania Plaza , New York, N, Y . 10001
GRAY, J. ROSS, F. S, A, , F, C, I. A . , 118 Hillside Ave ., Toronto, ntario M5P 1G5 1966GRAY, JAMES G, JR., F.S . A ., Actuary, Penn Mutual Life Ins . Cu., *1965
Philadelphia, Pa . 19172GRAY, MYLES M, F, S. A, A. C . A ., F . c . I . A ., Vice- President , National Life & *1965
Accident Ins Co ., Nashville, Tenn . 37250GREELEY CHARLES, F.S .A . , Vice- President and Actuary, Metropolitan Life *1965
Ins . Co., New York, N. Y. 10010GREEN, FREDERICK M., F . S . A . , Actuary, The Wyatt Co . , 1717 First National 1972
Bldg., Detroit, Mich. 48226GREEN, JAY W., A . C . A ., Manager of Research and Development, Ranger National 1966
Life Ins . Cu ., Houston, Texas 77001GREEN, 0 . DAVID, III, A, S . A, , Consulting Actuary, Nelson & Warren, Inc ., 1969
222 S Central Ave ., St. Louis, Mo. 63105GREEN, PHILIP A. F, S . A, Coates, Herfurth & England, 320 California St., 1974
San Francisco, Calif 94104GREEN, SIDNEY A., F, C . A., Assistant Commissioner, State Ins . Dept, of *1965
Maryland, Baltimore, Md. 21202GREEN, WALTER C, , A S A . , F. F . A A, , F. C, A, , A, C, A . S. , 923 S . 23rd East, *1905
Salt Lake City, Utah 84108GREENBERG, ALLAN D., F . S, A, , Assistant Actuary, Prudential Ins . Cu ., 1975
Newark, N J . 07101GREENE, CURTIS D., F, S . A . , Vice- President and Actuary, Columbus Mutual *1965
Life Ins Co ., Columbus, Ohio 43215GREENE, EDWARD, A . S, A, Associate Actuary, Martin F, Segal Cu., 1971
730 Fifth Ave, , New York, N . Y, 10019GREENE, THOMAS A . , A. C . A . S . , Vice-President, General Reinsur , Corp, , 1966
New York . N. Y 10022GREENLEE, HAROLD R, JR ., F . 5 . A . , Actuarial Director, Group Pensions, *1965
Prudential Ins . Co., Florham Park, N J. 07932GREENSTEIN, MICHAEL R ., F, S . A . , Manager, Metropolitan Life Ins. Co., 1972
New York, N, Y 10010GREGOIRE, JEAN, F. S .A., Associate Actuary, Sun Life Assur Cc,, Montreal, 1974
Quebec H3C 3G5
56 Memherc
GREGORY, C WILLIAM, F . S. A., F C. A, , Partner, Hewitt Associates,Enrolled
1967102 Wilmot Rd ., Deerheld, Ill . 60015
GREGORY, R, SCOTT, F, S .A., Assistant Actuary, Connecticut General Life 1972Ins . Co., Hartford, Conn. 06152
GRESHAM, BRYAN B., JR ., F . S . A ., Divisional Actuary, Meidmger & Assoc., Inc . , *1965Box K-10, Richmond, Va . 23288
GREVILLE, THOMAS N. E ., F . S . A, , Professor, Mathematics Research Center, *1965University of Wisconsin, Madison, Wis . 53706
GRIEVE, ALEXANDER T ., F. S. A ., Principal, Towers, Perrin, Forster & 1966
Crosby, Inc ., One Embarcadero Center, San Francisco, Calif . 94111GRIFFIN, FRANK L ., JR., F, S . A ., F, C . A ., Actuary, The Wyatt Cu., *1965
p.O Box 303, Gardncrville, Nev . 89410GRIFFITH, ROBERT W., Vice-President and Actuary, Nationwide Mutual Ins . Co . , 1966
Columbus, Ohio 43216GRIGSBY, JAMES A ., F, S .A., Electric Data Systems, 1300 EDS Center . 1971
Exchange Park, Dallas, Texas 75235GRINDLEY, ROBERT W., F. S . A, , Vice-President and Actuary, 1966
William M. Mercer Ltd , 140 Sixth Ave . S, W . , Calgary, Alberta T2P OP5GRISWOLD. GERALD W, , F . S . A . , Associate Actuary, Pacific Mutual Life Ins . Co . . 1970
Newport Beach, Calif 92663GROESCHELL, CHARLES G. , F . S .A., Vice-President, Data Processing, *1965
Northwestern Mutual Life Ins . Co., Milwaukee, Wis . 53202GROOT, STEVEN L, , A . C . A, S . , Assistant Actuary, Allstate Ins . Co ., 1975
Northbrook, Ill . 60062GROSH, ALLAN J ., F . S . A ., F, C . I . A ., Manager and Actuary, The Wyatt Co ., 1970
7900 Xerxes Ave, S., Minneapolis, Minn. 55431GROSHEIDER, JAMES W., F, S, A ., Assistant Actuary, Connecticut General Life 1972
Ins . Co., Hartford, Conn . 06152GROSS, DANIEL J, , F . S.A., Vice-President, Colonial Penn Life Ins, Co ., 1971
Philadelphia, Pa. 19103GROSS, THOMAS K., F . S .A., Assistant Actuary, Lafayette Life Ins . Co ., 1975
Lafayette, Ind . 47902GROSSMAN, ELI A . , F . S .A . , A .C . A. S . , Senior Vice-President, Security of *1965
Connecticut Life Ins, Co ., Hartford, Conn . 06101GROSSNICKLE, ARDEN R. , F . S . A, , F . C . 1, A . , Senior Vice-President, *1965
Washington National Ins. Co., Evanston. Ill . 60201lt StA A t & AS C G V *196onsu ing ennes. , c uary, eorge ssoc . ,. .GROTH, ALTON O . , F . 5
619 Savings & Loan Bldg. , Des Moines, Iowa 50309GROTH, CHARLES D . , A. S .A., Group Actuary, Gulf Life Ins . Co., Jacksonville, 1967
Fla. 32207GROVER, MYLES L . , F . S, A ., Chairman, Johnson & Higgins of Hawaii, *1965
745 Fort St ., Honolulu, Hawaii 96813GROVES, WILLIAM E ., F.C .A., Consulting Actuary, 606 Frenchmen St. , *1965
New Orleans, La . 70116GRUBBS, DONALD S . . JR., F . S . A., F . C, A ., Director, Actuarial Division, *1965
Internal Revenue Service, 1111 Constitution Ave ., N . W., Washington,D. C. 20224
GRUBBS, GORDON M., F, S. A . , Actuary, Life Ins . Co. of North America, 1968Philadelphia, Pa. 19101
GRUSON, A. ALLAN, A . S . A ., Senior Research Assistant, Metropolitan Life 1971Ins . Co., New York, N. Y. 10010
GUBAR, ALBERT, F, S . A., Vice-President and Actuary, Equitable Life Assur . Soc . . *1965New York, N. Y. 10019
GUDEMAN, RICHARD H ., F, S. A ., Vice-President and Actuary, Federal Life 1970Ins . Co ., Chicago, 111. 60646
GUERTIN, ALFRED N., F . S.A ., A, C, A, S., Actuarial Consultant, 1 Partner Squar e, *1966Princeton, N . J. 08540
GUILIANA, JOSEPH V ., JR., F. S . A ., A . C . A., Assistant Vice-President, 1970Alexander & Alexander, Inc . , 1185 Avenue of the Americas, New York,N, Y, 10036
GUMMERE, JOHN, F, S, A. , Senior Vice-President, Phoenix Mutual Life Ins . Co . , *1965Hartford, Conn. 06115
GUNN, MARCUS, F, S . A, , Consulting Actuary, 1142 Swanston Dr ., Sacramento, *1965Calif. 95818
Members 67
EnrolledGUSTAFSON, DALE R . F . S, A ., (Vice- President ), Vice-President and Actuary, ;I965
Northwestern Mutual Life Ins . Co., Milwaukee , Wis, 53202GUSTAFSON, KENNETH G . , Actuary, Public Employees' Retirement System, 1970
Sacramento , Calif . 96809GUTTER, MIRIAM ( Miss), A, S. A. , Actuary, William M. Mercer, 1971
3303 Wilshire Blvd. , Los Angeles, Calif . 90010GUTTERMAN, SAM, Associate Actuary, Continental Life Assur . Cu , Chicago, 1975
Ill . 60685GYSBERS, ELSIE L, (Mrs .), F . S. A, , 3037 Arbol Dr., Fullerton, Calif. 92635 1970
HAAKENSTAD, DALE L ., F . S, A,, President , Western States Life Ins . CoFargo, N, Dak. 58102
HAASE, CARL A., F . S .A . , President, IDS Life Ins . Co , Minneapolis, Mime, 55402HAASL, DONALD L ., F . S . A . , Associate Actuary, CUNA Mutual Ins, Society,
Madison, Wis . 53705HABECK, CHARLES, A . S . A., Consulting Actuary, Milliman & Robertson, Inc.,
200 Executive Dr . , Brooklield, Wis. 53005HABERSTROH, JON A. , F, S, A ., Assistant Actuary, Northwestern Mutual Life
Ins, Co., Milwaukee, Wis. 53202HACHEMEISTER, CHARLES A., F C A, S, , Actuary, Prudential
Reinsurance Co., Newark, N . J . 07101HADIGIAN, WILLIAM, F . S . A., F . C . I . A ., Coopers & Lybrand,
1900 Three Girard Plaza , Philadelphia , Pa, 19102HAGEMAN, CARL, F C. A ., Consulting Actuary, George B. Buck Consulting
Actuaries, Inc ., Two Pennsylvania Plaza, New York, N . Y. 10001HAGEWOOD, WILLIAM D., A. C, A., Vice-President and Actuary, Wabash Life
Ins Co ., Indianapolis , Ind 46208HAHN, JOSEPH W., F . S. A. , 5200 Valerie St ., Bellaire , Texas 77401HAINES, BERNARD S ., A . C . A ., Vice- President and Actuary,
Presbyterian Ministers ' Fund, Philadelphia, Pa. 19103IIAIRE, JAMES R ., F, S, A, , Associate Actuary, Bankers Life Nebraska, Lincoln,
Nebr. 68501HALE, MICHAEL A ., F. S, A, , Assistant Actuary, Imperial Life Assur . Co . ,
Toronto, Ontario M4V 1N7HALEY, JAMES B., JR., F . C . A . S. , Vice- President and Actuary,
Employee Benefits Ins . Co . , San Jose , Calif . 95112HALL, JAMES A . , III, F, C, A, S ., Vice-President and Actuary, California Casualty
Management Co., 1900 Alameda de Las Pulgas , San Mateo, Calif . 94402HALL, ROBERT A . , F . S. A., Assistant Vice-President , Group Division,
Aetna Life & Casualty, Hartford , Conn 06115HALL, ROBERT P., Principal Actuary, New York Ins . Dept. , New York, N Y, 10038HALL, SHERRILL G., F . S . A. , Second Vice-President and Associate Actuary,
Jefferson Standard Life Ins . Cc, . Greensboro, N . C. 27420HALL, WILLIAM R ., F, S. A, , Powers, Carpenter & Hall, Inc ., 7701 Forsyth Blvd .,
St. Louis, Mo. 63105HALLETT, ARTHUR I, , F S. A, , Consulting Actuary, George B, Buck
Consulting Actuaries, 600 Grant St., Pittsburgh, Pa. 15219HALLIWELL, PAUL D., A . S . A., M, C . A, , President , Halliwell & Assoc ., Inc .,
121 7th St . , Pittsburgh, Pa. 15222HALLORAN, JAMES J ., F . S . A ., Actuarial Director, Individual Insurance,
Prudential Ins . Cu., Newark, N . J 07101HALMSTAD, DAVID G , A S A. , M C A , Associate Actuary, Guardian Life
Ins. Co„ New York, N . Y, 10003HALPERN, EMANUEL E ., F. S . A . , Vice- President and Actuary, Colony Charter
Life Ins . Co. , Las Angeles, Calf, 90010HALSTEAD, 13URNETT A ., JR ., F . S .A., Federal Kemper Life Assurance Co.,
Long Grove, 111. 60049HALVORSON, WILLIAM A ., F, S . A, , Consulting Actuary, Milliman &
Robertson, Inc ., 200 Executive Dr ., Brookfield, Wis . 53005HAM, RONALD, F . S . A . , Associate Actuary, Security Life & Accident Co .,
Denver, Colo. 80202HAMAMO, ROSHDI A ., A, S, A., Pension Fund Administrator , World Bank,
1818 H St ., N.W., Washington, D. C. 20016
58 Member f
EnrolledHAMILTON, JAMES C ., F . S .A., Associate Actuary . Aetna Life & Casualty,
Hartford , Conn. 061151972
HAMMER, SIDNEY M., A . C . A . S ., Assistant Actuary, Home Ins . Co., New York, 1966N. Y. 10006
HANCOCK, EDWARD B ., Consulting Actuary, Hancock Enterprises , 1217 Ewing StFort Wayne, Ind . 46802
,, 1966
HAND, GERALD C ., Vice-President and Actuary, Independent Life & Accident 1970Ins . Co., Jacksonville , Fla. 32201
HAND, KATHARINE M, (Miss), F.C .A. , Consulting Actuary, George B . BuckConsulting Actuaries , Inc ., Two Pennsylvania Plaza, New York, N . Y . 10001
*1965
HANEBERG, RONALD L., F . S .A., General Counsel, Meidinger & Assoc ., Inc .,2440 Grinstead Dr ., Louisville, Ky. 40204
1971
HANLIN, H. CAREY, JR., F . S . A . , Executive Vice- President . Provident Life &Accident Ins, Cc, Chattanooga, Tenn. 37402
*1965
HANNA, LOUIS B., F, S . A. , Actuary, Maccabees Mutual Life Ins . Co, , Southfield , 1970Mich. 48057
HANNAFORD, JACK M., F . S . A., Second Vice- President and Associate Actuary,General American Life Ins. Co ., St . Louis, Mo . 63103
*1965
HANSELMANN, JAY B ., F, S, A, , Assistant Actuary, Lincoln National Life Ins . CoFort Wayne, Ind . 46801
., 1966
HANSEN, REUBEN G ., Manager , Actuarial Reports, Washington National Ins . Co.Evanston, Ill, 60201
, 1966
HANSON, H. DONALD, A. C. A S . CNA Financial, Chicago, Ill, 60685 1967HANSON, J. ROSS, F S. A. . F C . A . , President . J . Ross Hanson, Inc, ,
1133 15th St ., N . W., Washington, D . C . 20005*1965
HANSON, JOHN, F . C . A., F . S . A . , Actuary, The Wyatt Co., One First National *1965Plaza, Chicago, Ill . 60603
HANSON, PETER M, , F . S A . , The Wyatt Co, , 1400 Investment Plaza . Cleveland, 1973Ohio 44114
HARACK, JOHN, A . C . A. S . , Executive Vice-President, Health Service , Inc ., 1966200 N Michigan Ave., Chicago, 111 . 60601
HARDIN, MILTON B ., A, S. A, , Consulting Actuary, 312 Orchard St ., Millis, 1966Mass. 02054
HARDING, GEORGE W., A. S . A ., Vice-President and Actuary, University Life 1966Indianapolis , Ind. 46268Ins, Co . ,
HARDING, JOHN H . , F .S.A., Vice-President and Actuary, National Life Ins . Co . , *1965Montpelier , Vt. 05602
HARDISON, JOE W. , F, S, A ., Associate Actuary, Independent Life & Accident 1966Ins, Co, , Jarksonville , Fla . 32201
HARDY, HOWARD R . , F, C . A, S, , Assistant Actuary, Travelers Ins . Co ., 1972Hartford, Conn. 06115
HARKER, CARLTON, F . S . A. , Booke and Company, P.O. Box 66, Winston-Salem , *1965N. C . 27102
HARKNESS, PAUL T ., JR ., F . S.A., B Sargent St ., Ellsworth , Maine 04605 *1965HARLAND, H. EDWARD, F . C . I . A . , F. S . A ., Senior Vice - President , Great-West 1966
Life Assur . Co, , Winnipeg, Manitoba R3C 3A5HARPER, ALFRED B., JR ., F . S . A . , Assistant Actuary, Union Mutual Life Ins, Co . , 1966
Portland , Maine 04102HARPER, FLOYD S., 2200 S 52nd St ., Lincoln , Nebr. 68506 1967HARRIGAN, HAROLD F ., F . S .A., 190-09 35th Ave ., Flushing, N . Y, 11358 *1965HARRINGTON, DONALD P, , F, S . A, , Assistant Actuary, American Telephone & 1967
Telegraph Co., 195 Broadway, New York, N . Y . 10007HARRIS, BERTHA L. (Mrs . ), F . S .A . , Assistant Actuary, Equitable Life Assur .
Soc . . New York, N . Y. 10019*l965
HARRIS, DANIEL S ., A, S . A, , Manager, Coopers & Lybrand, 1251 Avenue of the 1966Americas, New York, N, Y . 10020
HARRIS, DAVID H., F . S .A., Executive Vice-President, Individual Operations,Equitable Life Assur . Soc., New York, N. Y. 10019
*1965
HARRIS, GLEN A, , JR., A, S . A. , Director, Data Processing Systems,Phoenix Mutual Life Ins . Co., Hartford. Conn. 06115
1971
HARRIS, SEYMOUR H, , F . S . A ., F. C . I . A ., F . C, A ., Actuary, The Wyatt Company65 William St, , Wellesley Hills, Mass 02181
, *1965
HARRISON, JAMES C ., F . S . A ., A. C . A ., Actuary, North Carolina Mutual Life 1968Ins . Co . , Durham, N. C. 27701
lblembers 59
EnrolledHARROLD. STEVEN A ., F, S .A., Vice -President , Tillinghast & Cu ., Inc., 1972
Tower Place, 3340 Peachtree Rd . , N. E ., Atlanta , Ga. 30326HART, PAUL C ., F . S . A . , Consulting Actuary , Milliman & Robertson, Inc., 1971
330 Pacific Bldg ., Portland, Oreg. 97204HART, W, VAN BUREN . JR., F . C . A . S ., 54 Fisk Dr ., Newington, Conn 0611 t *1965HARTMAN, DAVID G ., F . C . A , S ., Assistant Vice - President and Associate Actuary, 1972
Chubb & Son Inc ., 51 John F, Kennedy Pkwv ,, Short Hills . N. J. 07078HARTMAN, GERALD R., F, C . A . S., Director , Program in Actuarial Science, 1968
Temple University , Philadelphia , Pa. 19122HARTMAN , WILLARD A., F. S .A ., F, C . A., Actuary , The Wyatt Co ., 1966
One First National Plaza, Chicago , 111, 60603IHARTMANN . JEFFREY F., F, S. A ., Assistant Vice-President and Assistant 1975
Actuary, Beneficial Standard Life Ins . Co ., Los Angeles , Calif . 90010HARTNEDY , JOHN A., F . S . A . , Vice -President and Actuary , National Investors 1969
Life Ins . Co,, Little Rack, Ark, 72203HARTWELL , MAURICE, F . F . A . A . , 5 Ridgewood Dr , Frankfort , Ind . 46041 1968HARTWELL , WARD J., F. F.A . A., Secretary - Treasurer , Maccabees Mutual Life *1965
Ins, Co., Southfield, Mich . 48075HARVEY, ROBERT W., F . S .A,, 56 Midwood Ter, , Madison , N, J. 07940 *1965HARWAYNE , FRANK , Vice - President and Director of Actuarial Research, *1965
National Council on Compensation Ins, , 200 E, 42nd St, , New York , N. Y, 10017HASBROUCK , RALPH I ., F. S .A., 5 Riverside Dr ., Binghamton, N. Y, 13905 *1965HASELTINE , DOUGLAS S., F. C . A . S., Senior Consultant , Peat, Marwick, 1975
Mitchell & Co., 345 Park Ave , New York . N. Y. 10022HASLEGRAVE , ROGER A, A.S . A., Corporate Actuary, Canada Life Assur . Co ., 1971
Toronto, Ontario M5G 1R8HAUGH, CHARLES J ., F . C . A . S . , 1028 Farmington Ave,, West Hartford, *1965
Conn. 06107HAUKE, WILLIAM V ., F . S, A ., Senior Vice-President of Insurance Operations, *1965
Continental Assur . Co., Chicago , Ill. 60685HAUSER, FRED P ., F . S.A. , Actuary, Metropolitan Life Ins Co ., New York, 1968
N Y. 10010HAUSER, HAROLD W, , F, S, A, , Consulting Actuary, P . O. Box 150 . Glen Ridge, *1965
N. J, 07028HAVER, ROBERT W ., F . S .A., Consultant , Towers , Perrin, Forster & Crosby, 1968
Inc ., Centre Square West , 15th & Market Sts., Philadelphia, Pa . 19102HAWKINS, G, EUGENE, F. S, A . Consulting Actuary, Davis Bldg ., 1309 Main St ., 1966
Dallas , Teas 75202HAWKINS , GEORGE K., JR ., F, S, A, , Assistant Actuary , Shenandoah Life Ins . Co ., 1975
Roanoke , Va. 24029HAWKINS, JOSEPH B, , Commissioner of Insurance , State of Texas . Austin. 1970
Texas 78786HAWN, JERRY M., Consultant , The Wyatt Co ., 1400 Investment Plaza , Cleveland 1970,
Ohio 44114HAYA, AVNER, F, S . A, , Senior Actuary, Peat , Marwick, Mitchell & Co .,
1510 Chestnut St Philadel hia Pa 19102*1965
., p ,HAYATAKA , HIROSHI , A, S . A ., Vice - President and Associate Actuary, 1966
George Washington Life Ins . Co ., Jacksonville, Fla . 32211HAYDEN, VIRGIL O, , F . S . A„ Senior Vice - President and Chief Actuary, *1965
Mutual Benefit Life Ins . Co, , Newark , N. J 07101HAYDEN EVERETT P. , A.C.A. , 3303 Stanford St., Dallas, Texas 75225 1966HAYES , REA B . , F. 5, A ., Associate Actuary, Union Central Life Ins . Co., * 1965
Cincinnati , Ohio 45201HAZAM WILLIAM J., F. C . A. S ., Vice -President and Actuary, American Mutual *1965
Liability Ins, Cu ., Wakefield , Mass, 01880HAZELCORN , ABRAHAM, F , S.A., F.C .A., F.C . LA,, President, *1965
Hazelcorn Assoc, Inc ., Greenvale Colonial House, 55 Northern Blvd.,Greenvale , N. Y. 11548
HAZLEHURST , BLACKBURN H,, F.S.A., F . C . I, A, , F . C . A, , Principal Actuary,Ha zlehurst & A
*1965ssoc . , Inc ., 819 Mitten Rd ., Builingame , Calif . 94010
HA Z LETT, RIC HARD F . S, F . S, A. , F . C .1 . A . , F, C . A . , 107 North St . , *1965Newtonville , Mass, 02160
HEAD , ALDEN L, A, S . A ., Vice-President and Actuary , Actuarial Analysts, Inc ., 1968500 Bloomfield Ave ., Verona, N J 07044
60 Members
EnrolledHEAD. GLENN O, , F, S, A ., A . C . A . S ., Chairman, First Investors Consolidated
Corp., New York, N, Y . 10005*1965
HEAD, THOMAS F„ A . C . A . S ., Vice-President and Actuary, Equitable GeneralIns . Co., Fort Worth, Texas 76116
1971
HEALEY, RALPH J,, JR., F . S . A . , 30 Errol Pl ., New Rochelle, N . Y. 10804 1966HEARN, VINCENT W ., A . C . A . S ., Actuarial Assistant, Home Ins. Cu., New York . 1972
N. Y. 10038HEARST, JOHN E, , F, S . A, , Huggins & Co. , Inc ., 1401 Walnut St . . Philadelphia, *1965
Pa . 19102HECHT, DAVID C., A . S .A. , Associate Actuary, Mutual Benefit Lite Ins . Co ., 1966
Newark, N. J. 07101HECKMAN. JOHN F., JR ., F, S. A. , 3 Fencove Ct., Old Saybrook, Conn, 06475 *1965BEDFORD, THOMAS O . , A . S. A., Associate Actuary, PHA Companies, 1971
Portland, OrPg. 97204HEDIN, ELMER R., Actuary, State of Washington Ins . Commissioner's Office, 1970
Olympia, Wash . 98504HEER, E, LE ROY, F. C . A, S ., Assistant Vice-President and Actuary,
UnAed Services Automobile Assn ., San Antonio, Texas 782881969
HEEZEN, DIRK, A. C . A . , Consultant, 820 Michigan Ave,, Evanston, Ill, 60202 1970HEGARTY, GEORGE F ., Actuary, Coates . Herfurth & England, 320 California St, , 1971
San Francisco, Calif, 94104HEILMAN, ARVIN L., F . S .A., Actuary and Consultant, William M . Mercer,
1 W oodward Ave ., Detroit, Mich . 482261972
HEINTZBERGER, HENRY J ., A . S .A., President, Western Division, 1966Philadelphia Life Ins, Co ., San Francisco, Calif, 94104
HELLMAN, GABRIEL M., F.C.A . , A . S .A., Executive Vice-President and Actuary, *1965Pension Planning Co., Inc ., 355 Lexington Ave ., New York, N. Y. 10017
HELMS, ROGER A ., A, S, A . , Actuarial Associate, Penn Mutual Life Ins . Co . , 1975Philadelphia, Pa . 19172
HELPHAND, BEN J,, F. S . A ., Vice-President and Actuary, Pacific Mutual Life *1965Ins . Co., Newport Beach, Calif . 92663
HELTMAN, ROBERT C., Actuarial Staff Assistant, Continental Assur, Co ., 1968Chicago, Ill . 60685
HEMRICH, ROBERT F,, Principal, Olame, Hurst & Hemrich, 3520 Wilshire Blvd. , 1970Los Angeles, Calif . 90010
IIEMSTEAD, ROBERT J ., F . S . A . , A. C . A . S. , Actuary, Uuigard Olympic Life 1975Ins . Co ., Seattle, Wash . 98161
HENDRICKSON, JAMES T ., F.S.A., 901 Larrhmont Ave,, Havertown, Pa 19083 *1965HENNE, RICHARD E ., F . F . A, A ., President, Michigan Life/National Casualty Cos.,
Southfield, Mich . 48075*1965
HENNINGSEN, VICTOR E ., F, S . A . , 6019N. Berkeley Blvd ., Milwaukee, *1965Wis. 53217
HENNINGTON, HOWARD H . , F .S.A., F . C .I . A . , Executive Vice-President and *1965Chief Actuary, National Health & Welfare Retirement Assn ., Inc .,360 Park Ave . S., New York, N. Y. 10010
HENRICKS, NORMAN E ., F. S . A . , F . C . I . A ., Actuary, Manufacturers Life Ins. Co ., 1971Toronto, Ontario M4W 1E4
HENRY, RUSSELL F, S . A . , Second Vice-President, Group Actuary, Pan American 1966Life Ins . Co., New Orleans, La . 70119
HENRY, WALTER P., F . S . A., Consulting Actuary, George B . Buck ConsultingActuaries, 150 S . Wacker, Chicago, Ill . 60606
1966
HEPOKOSKI, PETER J . , F, S, A, , Pension Actuary, Northwestern National Life 1974Ins . Co., Mitmeapolis. Minn, 55440
HERBERT, ROBERT F ., JR ., F . S . A. , Associate Actuary, Connecticut General 1973Life Ins . Co ., Hartford, Conn, 06152
HERFURTH, CARL E . , F .C.A., F . F . A . A . , V .S.A., Consulting Actuary,1946 Leyden St ., Denver, Colo . 80220
*1965
HERMAN, F. LEE, Senior Associate Actuary, State Farm Mutual Automobile 1966Ins, Co., Bloomington, 111 . 61701
Huggins & Co ., Inc .,Assistant Vice-PresidentHERMANN JOHN A F, S . A . 1975,, . , ,1401 Walnut St ., Philadelphia, Pa . 19102
HESS, ALBERT L., A . S . A . , Senior Actuarial Associate, State Mutual Life Assur .Co . of America, Worcester, Mass . 01605
1973
HESS, MASON E ., A, S, A, , Assistant Actuary, Milliman & Robertson, Inc ., 1970914 Second Ave , Seattle, Wash, 98104
Z*4embera 61
EnrolledBESS, MORTON B ., F. S . A, , Principal Actuary , New York State Ins . Dept, , 1968
324 State St ., Albany, N. Y. 12210HESS, ROBERT T ., A, S, A, , Edward M. Lupean Co ., Oliver Bldg ., Pittsburgh, 1966
Pa. 15222NESTER, RICHARD S. , SR ., F, S, A ., Senior Vice-President , O'Sullivan & *1965
O'Sullivan , Inc ., Main Line Professional Bldg. , Cinnaminson, N, J . 08077HETTGER, HENRY J ., 4527 23rd Ave . North, St , Petersburg , Fla 33713 1967HEUN, GILBERT A ., F . S . A ., 89 S . Highwuod Ave ., Glen Rack , N. J, 07452 *1965REVERT, WILLIAM T., 40 Hillside Ave . . Caldwell , N . J. 07006 1966HEWITT, CHARLES C ., JR . , F . C, A, S. , Vice - President and Actuary, *1965
Metropolitan Property & Liability Ins . Co ., Warwick R . I. 02886HEWITT DAVID L., F, C . A ., Vice- President , Huggins & Co . , Inc., *1965
1401 Walnut St ., Philadelphia , Pa. 19102HEWITT, JOHN E., A, S. A., Director, Financial Statements and Reinsurance 1967
Actuary , Union Mutual Life Ins . Co. , Portland , Maine 04112HEYDE, ERNEST R ., F . S . A. , Associate Actuary, Metropolitan Life Ins Cc., *1965
New York , N, Y. 10010HIATT , CHARLES E., Consulting Actuary , 18403 Wakecrest Dr. , Malibu, 1968
Calif . 90265HICKMAN, HERBERT W. , F . S. A, , Vice - President and Associate Actuary, *1065
Prudential Ins . Co., Newark, N. J . 07101HICKMAN, JAMES C ., F, S . A . , A . C, A . S . , Professor, Business and Statistics, *1965
University of Wisconsin , Madison , Wis. 53706HICKMAN, S , MARTIN , F.S.A., Executive Vice-President , Hospital Service *1965
Corp ( Blue Cross ), 233 N . Michigan Ave,, Chicago, Ill. 60601HIGGINS , EDWARD A„ A , S . A, , Director , Actuarial Field Services, 1966
National Life Ins, Co „ Montpelier , Vt., 05602HIGHTOWER , EDWIN E . , A. S . A., Actuary, Government Personnel Mutual Life 1975
Ins . Co ., San Antonio , Texas 78284HILL, E, HOWARD , F . C, A ., Vice-President , Huggins & Co . , Inc. , 1966
1401 Walnut St . , Philadelphia , Pa. 19102HILL, EDWARD T ., F . S . A ., F . C , I . A . , Vice-President , Canadian Operations, 1968
North American Life Assur . Co., Toronto, Ontario M5H 1R1HILL, EDWIN E ., A, S .A. , Associate Actuary, Milliman & Robertson, Inc., 1966
251 S . Lake Ave . , Pasadena , Calif . 91101HILL, GEORGE L,, F, S, A,, Second Vice - President and Actuary , New England *1965
Mutual Life Ins . Co ., Boston, Mass . 02117HILL, HOWARD W ., Actuary , Lincoln Income Life Ins . Co, , Louisville , Ky. 40201 1970HILL , J, STANLEY , F. S . A . , President , Digiplan, Inc ., 70 Spruce St., *1965
Mahtomedi , Minn. 55115HILL, JESSE, JR., Actuary , Atlanta Life Ins, Co ., Atlanta, Ga . 30303 1969HILL, MARK W. , F, S, A, , 56 Buckingham St ., Manchester , Conn. 06040 *1965HILL, NORMAN E ., F . S . A . , Partner, Peat, Marwick, Mitchell & Co., *1965
222 S . Riverside Plaza, Chicago, 111 . 60606HILL, RICHARD W ,, F.S,A., Vice - President , Group Insurance , Prudential Ins Co ., *1965
Minneapolis , Minn. 55440HILL, ROBERT P ., F . S . A . , Vice - President and Actuary , Prudential Ins, Co., 1970
Newark, N. J 07101HILL, WALTER C ., F . S . A, , 128 Elm Ave ., Hackensack , N. J. 07601 *1965HILLHOUSE, JAMES, A . S . A. , F . C . I, A, , Consulting Actuary, Tomenson 1971
Alexander , Ltd,, P, O . Box 439, Toronto - Dominion Centre , Toronto,Ontario M5K IM3
HILLHOUSE , JERRY A . , F . C . A, S ., Actuary , State Farm Mutual, Bloomington, 1966Ill 61701
HINCHLIFF , TIMOTHY A ., F, S . A, , Assistant Actuary, Equitable Life Ins . Co., 1971Des Moines , Iowa 50306
HINEMAN, HARRY, A, C . A ., Vice-President and Actuary , Blue Cross & Blue Shield, 1966110 N Illinois St,, Indianapolis , Hid . 46209
HINKLE, TIMOTHY C., F, S . A, , Actuary, Aetna Insurance Co ., Hartford, 1972Conn, 06115
HINRICHS, PETER A . , F, S , A, , Second Vice - President, Home Life Ins . Co. . 1970New York , N. Y. 10007
HINSCH, WILLIAM P., A . C . A . , Vice -Chairman of the Board and Chairman, 1966Executive Committee, American Security Life Ins . Co ., San Antonio,Texas 78205
62 Members
HINSDALE, KENNETH P., F . S, A., Senior Vice-President and Actuary,Jefferson Standard Life Ins . Cu. , Greensboro, N. C . 27420
HITCHCOX, ALBERT D., F . S . A,, Second Vice-President and Group Actuary,Union Mutual Life Ins . Co ., Portland, Maine 04112
HITTLE, KENNETH I., F . F . A. A ., 1470 Berkshire Rd., Columbus, Ohio 43221HOBBS, EDWARD J ., F . C . A . S ., Senior Vice-President, Ins . Co . of North America,
Philadelphia, Pa. 19101HOCHHEISER, MYRON, F . S . A ., Manager, Coopers & Lybrand, 1251 Avenue of
the Americas, New York, N. Y. 10020HODOVICK, JOSEPH, A . S . A, , Associate Actuary, The Wyatt Co . ,
1717 First National Bldg. , Detroit, Mich, 48226HOFFART, JOHN L ., F . S . A . , Assistant Actuary, Occidental Life Ins . Co.,
Los Angeles, Calif 90051HOFFMAN, RICHARD H . , F, S, A . , Vice- President and Associate Actuary,
Equitable Life Assur . Soc ., New York, N. Y. 10019HOFFMANN, DENNIS E. , F . C . A . S . , Vice-President and Manager, John Deere
Ins . Co., Moline, 111 . 61265HOGAN, FRANCIS X ., A . S, A ., Senior Pension Officer, International Monetary
Fund, Washington, D, C . 20431HOGAN, FRANK J ., Vice-President, Mutual of Omaha-United Benefit Life,
Omaha, Nebr. 68131HOGEMAN, GEORGE L . , F . S . A . , F . C . I, A . , President, Avco Corporation,
1275 King St ., Greenwich, Conn. 06830HOGUE, J. RICHARD, F . S, A, , George V . Stennes & Associates, Beneficial Plaza,
3700 Wilshire Blvd ., Los Angeles, Calif. 90010HOGUE, ROBERT D, , F . S. A. , Vice-President- Finance and Actuary,
Lutheran Mutual Life Ins . Co , Waverly, Iowa 50677HOHAUS, REINHARD A ., F . S . A ., Box 231, Greens Farms, Conn, 06436HOHERTZ. ROBERT D., F. S, A ., Associate Actuary, General American Life
Ins . Co ., St . Louis, Mo. 63103HOLCOMBE, SHEPHERD M . F . S. A., f. C . I, A ., F . C A_ President,
Hooker & Holconbe, Inc ., 125 La Salle Rd ., West Hartford, Conn. 06107HOLLAND, DAVID M ., F . S . A ., Vice-President and Actuary, Munich American
Reassur. Co , Atlanta, Ga, 30309HOLLOBON, ANTHONY L., F . C . I . A . . F, S . A., Consulting Actuary, Milliman &
Robertson, Inc ., 914 Second Ave., Seattle, Wash . 98104HOLLOWAY, KIRBY W., JR, , F . S . A ., Associate Actuarial Director,
Prudential Ins . Co., Newark, N, J . 07101HOLLOWAY, ROBIN G., F . S . A . , Principal, Towers, Perrin, Forster &
Crosby, Inc ., 600 Third A,-e . , New York, N. Y. 10016HOLMBERG, RONALD K., Executive Vice-President, Insurance Services,
Combined Ins . Co. of America, Chicago, Ill 60640HOLMES, AL F ., JR ., Powers, Carpenter & Hall, Inc, , 7701 Forsyth Blvd . ,
St Louis, Mo. 63105HOLMES, ROBERT P., A. S . A, , Second Vice-President, Research, Paul Revere
Life Ins . Co. , Worcester, Mass . 01608HOLOFF, RICHARD L ., F . S. A ., Actuarial Associate, New England Mutual Life
Ins . Co., Boston, Mass . 02117HOLSTEN, FRED H ., F, S . A. , Second Vice-President and Group Actuary,
New York Life Ins . Co., New York, N. Y. 10010HOLT, WILLIAM T., F . C . A, S, , Group Actuary, United & Mutual of Omaha,
Omaha, Nebr. 68131HOLTZMAN, EDWARD F„ 3009 Serantine St , New Orleans, La . 70119HONEBEIN, CARLTON W., F . C . A . S ., Vice-President and Actuary,
Fireman's Fund American Ins . Co ., San Francisco, Calif. 94118HOOK, JOHN F ., F . S . A, , Senior Vice-President, Standard Ins, Co ., Portland,
Oreg 97207HOOKER, RUSSELL O . , F . S . A ., F . C . A . S ., Vice-President and Treasurer,
Hooker & Holcombe, Inc ., 100 Constitution Plaza, Hartford, Conn 06103HOOP, WILLIAM L., F . S, A, , F, C . I, A., Vice-President and Actuary,
American Bankers Life Assur . Co., Miami, Fla . 33131HOOSHAGEN, JEANNE M, (Miss), A . F . A . A . , Vice-President, Finance,
Mutual Benefit%Bash Financial Services Corp , 12 N . Delaware,Indianapolis , Ind . 46204
Enrolled*1965
1966
*1965*1965
1966
1968
*1965
*1965
1974
1970
1970
*1965
1975
1972
*19651969
*1965
1973
1972
*1965
1966
1966
1968
1966
1975
*1965
1970
19661968
*1965
+1965
1966
1966
Members 63
EnrolledHOPE, FRANCIS J . , F. C, A . S. , Actuary, Hartford Ins . Group, Hartford, *1965
Conn. 06115HOPE, THOMAS H, , A, S, A, Consultant, A. S . Hansen , Inc , One Burnett Plaza, 1971
Fort Worth, Texas 76102HOPPER, LOYD. A. S .A. , Manager, Group Pensions, Standard Ins Co ., Portland, 1971
Oreg. 97207HOPPER, MONTE J ., A . S . A, , Assistant Director, Travelers Iris . Co. , Hartford, 1969
Conn. 06115HOPSON, JAMES R., F . S .A., Consulting Actuary, George V Stennes & Assoc . , 1967
619 Savings & Loan Bldg ., Des Moines , Iowa 50309HOREIN, JAMES R., F, S, A, , Assistant Vice-President, Lincoln National Life 1971
Ins . Co, , Fort Wayne, Ind. 46801HORN, RICHARD G., F, S .A,, Vice- President and Actuary, Security Life & *1965
Accident Co , Denver, Colo, 80202HOROWITZ, MILTON, A . C . A . S . , Principal Actuary, State Ins Fund, 1966
199 Church St., New York, N. Y 10007HORROCKS, GEOFFREY, F, S, A ., F . C . I. A ., William M, Mercer, Ltd. , 1969
7 King St, E, , Toronto . OntarioHOSKINS, JAMES E . , F . S . A ., 1124 Farmington Ave. , West Hartford, Conn. 06107 +1965HOSKINS, ROBERT H, , F, S . A„ Associate Group Actuary, John Hancock Mutual *1965
Life Ins . Co ., Boston, Mass . 02117HOUGHTON, ANTHONY J ., F, S . A, , F, C . A., Consulting Actuary, Nelson & *1965
Warren, Inc . , 222 S . Central Ave ., St . Louis, Mo. 63141HOUSE, SHERWOOD G., F, S . A . , Actuary, Aetna Life & Casualty, Hartford, 1966
Conn 06115HOUSEMAN, RAYMOND F., F . S. A, , F, C . A ., Actuary, The Wyatt Co., *19G5
1900 Republic National Bank Tower , Dallas, Texas 75201HOUSER, ROBERT N ., F. 5 . A ., President, Bankers Life Co. , Des Moines, *1965
Iowa 50307HOUSTON, IVAN J, , A, C . A ., President and Chief Executive Officer, Golden State 1966
Mutual Life Ins, Co ., Los Angeles, Calif . 90018HOWARD, WILLIAM M ., A, C A, , A, F . A. A ., Box 14471 , Gainesville, Fla. 32604 1968HOWARD, WILLIS B, , JR., F. S . A ., Second Vice-President and Associate Actuary, 1972
Jefferson Standard Life Iris . Co. , Greensboro , N, C . 27420HOWATT, F . FRANK, Actuary and Assistant Insurance Commissioner, State of 1970
Oregon, Dept. of Comm , Salem, Oreg, 97310HOWE, KENT P. , F, C, A. . A. S A . , The Wyatt Co ., Northwest Financial Center, 1967
7900 Xerxes Ave . S ., Minneapolis , Minn. 55431HOWELL, A. CHARLES, F, S, A . , Vice-President, John Hancock Mutual Life *1965
Ins . Co . , Boston, Mass. 02117HOWELL, JOHN F,, F .S.A., Vice-President, National Life & Accident Ins, Co., 1966
Nashville, Tenn. 37250BOY, MICHAEL D. . F, S . A, , Actuary, Western Division, Philadelphia Life Ins . Co. , 1974
San Francisco , Calif, 94104HRUSKA, ROBERT, A . S . A ., Vice-President and Actuary, Pension Planning Co., 1970
Inc., 355 Lexington Ave ., New York, N. Y 10017HSIANG, HARRY C ., A . S. A . , Associate Director , Travelers Ins, Co ., Hartford, 1968
Conn. 06115HSIAO, WILLIAM C, , F, S, A., Associate Professor, Harvard University, 1967
677 Huntington Ave ., Boston, Mass. 02138HUBER, THOMAS R, , F . S . A . , Actuary, New York Life Ins. Co , New York, 1967
N. Y 10010HUDEK, PAUL H. , F, S . A . , F . C, A . , Actuary . A . S . Hansen, Inc., *1965
First International Bldg., Dallas, Texas 75270HUEHL, WALTER H ., A . S . A . , Chairman of the Board , Indianapolis Life Ins. Co , 1966
Indianapolis, Ind . 46208HUEY, MARTINS_ , JR, , F, S, A, , M . C, A . , Assistant Actuary, Connecticut General 1971
Life Ins , Co., Hartford, Conn. 06152HUFF, DAVID A ., F . S . A ., A . F, A, A, , M, C . A., Actuary, Rudd & Wisdom, 1971
Consulting Actuaries, 402 Perry- Brooks Bldg., Austin, Texas 78701HUFFMAN, SAM HOUSTON, A . S . A ., F, C, A ., Rt . 1, Box 784, Punta Gorda, *1965
Fla. 33950HUFFMAN, SAM H . , JR., F . C . A . . Manager, The Wyatt Co., 21241 Ventura Blvd, , 1966
Woodland Hills, Calif . 91364
64 Memherr
EnrolledHUGHES, E. TOM, F. S . A ., Second Vice-President and Associate Group Actuary, 1972
General American Life Ins . Co. , St . Louis , Mo 63166HUGHES, HERALD H, , JR., A. C . A ., Vice-President, Franklin Capital Corp ., 1966
5500 Diplomat Cir ., Orlando, Fla . 32810HUGHES, NORMAN M., F . S . A ., 350 Windward Way, Naples , Fla. 33940 *1965HUGHEY. M. STANLEY, F C A. S. , (Vice-President), Executive Vice-President, *1965
Kemper Insurance Companies, Long Grove, Ill. 60049HUGUNIN ARLIE N., A . S, A ., Group Actuary, Bankers Life & Casualty Co., 1966
Chicago, fll, 60630HULME, RICHARD W., A. S. A., Vice-President and Actuary, American-Amicable 1968
Life Ins . Co ., Waco, Texas 76703HUMMEL, THOMAS J., F.S.A , Second Vice- President and Actuary, *1965
Union Central Lite Ins . Co., Cincinnati, Ohio 45201HUMPHREY, PATRICK L, , F, S . A. , 3616 W . 63rd, Prairie Village, Kans . 66208 *1965HUMPHREY, VANN H ., JR., Associate Actuary, Durham Life Ins . Co., Raleigh, 1966
N, C . 27611HUNSTAD, ROBERT E., F, S, A, , Vice-President and Actuary, Minnesota Mutual 1969
Life Ins . Co ., St . Paul, Minn. 55101HUNT, DAVID L ., F, S .A., Partner, Actuary and Consultant, Hewitt Associates, 1973
102 Wilmot Rd ., Deerfield, 111 . 60015HUNT, FREDERIC J ., JR., F . C . A . S. , Secretary, Underwriting, Ins . Co. of *1965
North America, Philadelphia, Pa . 19101HUNT, HERBERT J., Vice-President and Life Actuary, All American Life & 1968
Casualty Co . . Chicago, Ill . 60631HUNT, JAMES H . , F, S . A, , 8 Tahanto St., Concord, N . H, 03301 111965HUNT, RONALD E., F . S. A, , Group Actuary, Nationwide Ins. Co., Columbus, 1972
Ohio 43216HUNTER, J. ROBERT, F . C . A S . , Acting Federal Ins . Administrator and Chief 1969
Actuary. U. S . Dept . of Housing and Urban Development, 451 7th St, , S . W .,Washington, D, C. 20410
HUNTINGTON, CURTIS E., F, S.A,, Second Vice-President and Actuary, 1972New England Mutual Life Ins . Co ., Boston, Mass . 02117
HUNTINGTON, HENRY S, , III, F. S . A. , Research Actuary, John Hancock Mutual *1965Life Ins . Co . , Boston, Mass . 02117
HUNTLEY, JOHN W ., F . S . A. , Second Vice-President and Actuary, *1965Travelers Ins, Co ., Hartford, Conn . 06115
HUNTLEY NEWTON E . , JR . , A . S . A ., Assistant Vice-President and Actuary, 1969William M Mercer, One Oliver Plaza, Pittsburgh, Pa 15222
HURLBUT, DAVID G. , F . S, A ., Second Vice-President, John Hancock Mutual Life *1965Ins, Co., Boston , Mass. 02117
HURLEY, ROBERT L . , F, C . A . S, , Associate Actuary, Insurance Services Office, *1965160 Water St., New York, N, Y, 10038
HUSE, SYLVESTER J, , A . S. A., Vice-President, American Telephone and 1966Telegraph Co., 32 Avenue of the Americas, New York, N . Y. 10013
HUSMAN, CATHERINE B. , F, 5, A, , Group Actuary, American United Life Ins. Co., 1974Indianapolis , Ind. 46206
HUSSEY, STEPHEN G ., F, S . A . , Director , Product Research and Development, 1973Ohio National Life Ins, Co ., Cincinnati, Ohio 45201
HUSTON, BRUCE A„ F . S . A ., Assistant Vice-President and Director, Market 1971Development, Kansas City Life Ins . Co., Kansas City, Mo . 64141
HUSTON, F. EDWARD , A . S. A ., 1885 Diamond St, , San Diego , C alif 92109 1966HUTCHESON, JOHN D., F, C, A . . Vice-President, Huggins & Co , Inc., 1967
1401 Walnut St ., Philadelphia , Pa, 19102HUTCHINGS, PETER L. , F . S .A. , Vii e-President and Actuary, Blue Cross & 1972
Blue Shield of Greater New York, New York, N . Y. 10017HUTCHINSON, CARROLL R ., F . S. A, , Vice- President and Actuary, *1965
Western-Southern Life Ins . Cu., Cincinnati, Ohio 45202HUTCHINSON, GERALD E., Actuary, Social Security Admin., 6401 Security Blvd , 1967
Baltimore, Md . 21235HUTCHISON, JAMES K., A . S . A , Vice-President and Actuary, Blue Cross 1966
Association, 840 N, Lake Shore Dr . , Chicago, 111. 60611HUTCHISON, MICHAEL B ., F . S . A, , F . C .I, A, , Senior Marketing Vice-President, 1970
Crown Life Ins, Co., Toronto, Ontario M4W 1B8HUVAL, ERNEST, F. C A . , Consulting Actuary, 10840 Malcolm Dr, , Baton Rouge, 1969
La, 70811
Mc mraheri 65
IMMERWAHR , GEORGE E ., F . S.A., World Health Organization, P.O. Box 780,Enrolled
+1965Colombo,
INGENTHRON ,Sri LankaROGER P . , F . S . A . , Staff Actuary, Standard Oil Co. of California 1974,
255 Bush St, , San Francisco, Calif . 94104INGERSOLL, W. HARRISON, F, S . A . , 29 Wakefield P1. , Caldwell, N, J. 07006 *1965INGRAHAM, HAROLD G, JR ., F . S . A . , Senior Vice - President and Chief Actuary, *1965
New England Mutual Life Ins, Co, , Boston , Mass. 02117INGRAM, ROBERT J ., F . 5, A , , Group Actuary , IDS Life Ins . Co ., Minneapolis . 1960
Minn. 55402INKROTT , JAMES G., F.C .A . S. , Assistant Secretary and Actuary , Central Mutua l 1975
Ins. Co ., Van Wert , Ohio 45891INNES, EVAN, A, S . A ., Vice-President, Towers , Perrin, Forster & Crosby, Inc , 1967
600 Third Ave ., New York , N. Y 10016IRELAND , JOHN G . , F, S . A. , F C . A. , F . C . I, A ., Director, William M. Mercer, 1966
1221 Avenue of the Americas , New York , N. Y. 10020IRISH, FRANK S . , F, S . A , , Second Vice - President , John Hancock Mutual Life *1965
Ins. Co ., Boston, Mass 02117IRVAN, ROBERT P. . F . S A . Actuary, AFTA Worldwide Ins ., Wayne, 1973
N. J, 07470IRVINE, THOMAS, F . S . A ., Group Actuary, New York Life Ins . Co . , New York, *1965
N. Y. 10010ISAACSON , FENTON R., F , S.A., F.C. A ., Consulting Actuary, Milkman & *1965
Robertson , Inc , 8990 W , Dodge Rd . , Omaha , Nebr 68114ISENBERG , BERNARD A , S, A, , A C .A., Second Vice-President and Actuary, 1966
Beneficial National Life Ins, Cu., New York , N Y, 10016ITO, HOWARD M., A . S. A, , Millmian & Robertson, Inc . , 44 Montgomery St ., 1966
San Francisco , Calif 94104IVERSON, DENNIS R., A. S .A ., Senior Programmer, Pacific Mutual Life Ins . Co. , 1972
Newport Beach , Calif . 92662
JACKS, EUGENE E ., A . C, A ., Actuary, State of California , Dept . of Ins ., 1966540 Fawn Dr , San Anselmo , Calif . 94960
JACKSON, CLAYTON L., F. S . A, , F . C , I. A . . Senior Vice - President and Actuary, *1965American National Ins, Co , Galveston, Texas 77550
JACKSON, E , SYDNEY F. S , A,, F. C . I . A ., President, Manufacturers Life Ins . Co . , 1966Toronto , Ontario M4W 1E4
JACKSON, EDGAR M ., F. S . A ., Vice - President and Actuary , H. Gray Hutchison & *1965Assoc, , Inc, , 612 Wade Ave , Raleigh , N C . 27605
JACKSON PAUL R., F, S . A . , F . C . I . A, , F, C, A, , Consulting Actuary, *1965The Wyatt Co ., 1629 K St , N W, . Washington , D. C. 20006
JACKSON, ROBERT T., F, S, A ., President, Phoenix Mutual Life Ins Co ., 41965Hartford. Conn . 06115
JACKSON, WILL W, , JR., A
. C . A ., Vice - President and Actuary , Gibraltar Life 1966Ins Co, of America , Dallas, Texas 75221
JACOB , ALBERT, A , S. A, , Consulting Actuary , Actuarial Analysts, Inc,, 1967500 Bloomfield Ave , Verona , N . J . 07044
JACOBS , JOSHUA, F . S . A., Associate Group Actuary , General American Life 1975Ins . Co ., St . Louis , Mo. 63166
JACOBS, MYRON , Assistant Vice-President , Becker Company , 26 Washington St., 1969East Orange , N . J . 07017
JACOBS , TERRY S., F. C , A, S ., Senior Vice-President and Actuary, 1970Great American Ins . Co. , Cincinnati, Ohio 45201
JACOBSEN, RICHARD L . . F, S . A, , Actuary , George V . Steimes & Assoc . , 1972Consulting Actuaries , 2850 Metro Dr . Minneapolis , Minn. 55402
JACOBSON, REUBEN I., F. S . A , , F, F, A, A, , 16744 Grays Bay Blvd ., Wayzata,Minn 55391
+1965.
JACOBY, CHARLES W. , F . S .A. , Vice- President and Associate Actuary, 41965Prudential Ins . Co., Newark, N . J, 07101
JACOBY, ROBERT E,, Vice - President. Security Benefit Life Ins . Co , Topeka, 1967Kans. 66603
JAFFE , JAY M , F. S A. , M . C . A., Jaffe & Associates , Consulting Actuaries, 196910 S, La Salle St ., Chicago, Ill . 60603
66 Members
EnrolledJAMES, DAVID H. , A, C, A ., Vice-President & Group Actuary, Republic National 1966
Life Ins . Co ., Dallas, Texas 75204JAMIESON, J, RAE, F . S. A ., F, C . I . A ., Vice-President and Actuary. *1965
North American Reassur . Co., New York, N, Y. 10017.TANUS, PAUL W ., F . S, A . , Vice-President and Actuary, Certified Life Ins . Co., 1969
Sherman Oaks, Calif . 91403JATKOWSKI, EDWIN P ., A, S . A., Associate Actuary, The Wyatt Co , 1970
1717 First National Bldg ., Detroit, Mich. 48226JAY, BURTON D., F . S, A., Vice-President and Chief Actuary, United Benefit Life 1966
Ins . Co., Omaha, Nebr, 68131JEGGLE, DAVID A . , F .S.A., Second Vice- President and Associate Actuary, 1970
Midland Mutual Life Ins . Co., Columbus, Ohio 43215JEKEL, OSCAR H. , 8 Hoinewood Dr, , Kirkwood, Mo, 63122 1966JENKINS, ALBION U . , JR,, F . S . A, , Vice-President, Prudential Ins . Cu ., *1965
Los Angeles, Calif . 90036JENKINS. ALLEN W . , F. S . A . , Consultant, A . S, Hansen, Inc ., 2020 First 1971
international Bldg, , Dallas, Texas 75270JENKINS, ELMORE, JR ., F . S .A . , 2005 Spruce Rd . , Honiewood, 111 . 60430 1966JENKINS, ROBERT W, , A, 5, A. , Associate Actuary, American General Life 1970
Ins . Co., Houston, Texas 77001JENKINS, WILMER A, , F . S .A., Box 268, Cosgrove Rd . , Wcst Willington, *1965
Conn. 06279JENSEN, DARYL D., President, Sunset Life Ins . Co. of America, Olympia, 1971
Wash. 98507JENSEN, JAMES P . , A, C . A, S ., Assistant Vice-President and Director of Industry 1967
& Government Relations, Liberty Mutual Ins . Co., Boston. Mass. 02116.TENSEN, LLEWELLYN W, , F, S, A, , Consultant, 20 Pilot Point Rd. , *1965
Cape Elizabeth, Maine 04107JENSEN, RUSSELL R., F, S, A„ Senior Vice-President, Operations, *1965
Northwestern Mutual Life Ins . Co. , Milwaukee, Wis 53202J EX, ROBERT L, , F, S . A ., F . C. 1.A., 1453 Wellington Crescent, Winnipeg, 1966
Manitoba R3N 0B2JOFFE, SAMUEL, A . F.A.A., Consulting Actuary, 1401 Blair Mill Rd., 1066
Silver Spring, Md. 20910JOHANSEN, ROBERT J ., F. S, A, , Vice-President and Actuary, Metropolitan Life *1965
Ins. Co., New York, N. Y. 10010JOHE, RICHARD L., F . C . A, S. , A C, A, , Vice-President and Actuary, '1965
United States Fidelity & Guaranty Co., Baltimore, Md. 21203JOHNSEN, STORM A,S.A,, Vice-President and Actuary, National Public Service 1969
Ins, Co . , Seattle, Wash. 98121JOHNSON, DARYLE, F . S . A, , Associate Actuary, Pacific Mutual Life Ins, Co . , 1970
Newport Beach, Calif . 92663JOHNSON, JAMES E ., F, S. A ., Associate Actuary, Minnesota Mutual Life Ins . Co. , 1973
St, Paul, Minn. 55101JOHNSON, JERRY L . . F, S. A_ , A, C A , Consulting, Actuary, 1116 Culbreath *1965
Isles Dr., Tampa, Fla, 33609Tampa, Fla . 33609
JOHNSON, LLOYD H ., F . S, A . , Senior Vice-President, Bernard R. Meidinger & *1965Assoc , 2440 Grinstead Dr,, Louisville, Ky . 40204
JOHNSON, M . LOUIS, F . S . A ., 204 Avon Rd., Narberth, Pa. 19072 *1965JOHNSON, RHEUBEN C ., JR,, F . S . A ., Vice-President and Actuary. 1967
Business Men's Assur . Co., Kansas City, Mo. 64141JOHNSON, RICHARD D ., F . S . A, , Associate Actuary, North American Life & 1975
Casualty Co ., Minneapolis , Minn. 55403JOHNSON, RICHARD E,, A . S. A ., Semor Actuarial Associate, State Mutual Life 1973
Assur. Co. of America, Worcester, Mass . 01605JOHNSON. RICHARD W. , Director, Rating and Underwriting Services, 1974
Blue Cross Association, 840 Lake Shure Dr , Chicago, Ill . 60611JOHNSON, ROBERT C ., A, S . A,, Actuarial Associate . State Farm Life Ins. Co, , 1970
Bloomington, Ill 61701JOHNSON, RODGER A ., M . C, A, , Consultant, The Wyatt C o , 1970
1400 Investment Plaza, Cleveland . Ohio 44114JOHNSON, ROGER C ., A, S . A ., Assistant Vice-President and Associate Actuary, 1975
United Ins . Co., Chicago, 111, 60601
Members 67
EnrolledJOHNSON, ROGER D, , F, S.A., Vice-President and Actuary, Great American Life 1970
Ins, Co., Los Angeles, Calif. 90048JOHNSON, ROYAL A, , F, S. A, Vice-President and Life Actuary, Sentry Life 1966
Ins . Co., Stevens Point, Wis. 54481JOHNSON, WILBUR M, , F . S, A, , 422 Davis St ., Apt . 526, Evanston, Ill . 60201 *1965JOHNSTON, DAVID R, , F.S.A., F. C, I, A, , Vice-President and Actuary, 1972
Crown Life Ins . Co., Toronto, Ontario M4W 1B8JOHNSTON ERNEST B., F,S .A. Second Vice-President and Associate Actuary, 1975
United Benefit Life Ins . Co., Omaha, Nebr. 68131JOHNSTONE, ROBERT M, , JR ., F, S. A, , Vice-President and Controller, *1965
Equitable Life Assur, Soc . . New York, N . Y, 10019JOLLS, THOMAS H . . JR , A S . A ., F, C, A, , Principal . Towers . Perrin, Forster 1971
& Crosby, 120 S, La Salle St ., Chicago . Ill . 60603JONES, ALAN G ., F . C . A . S. , Associate Actuary, Aetna Ins . Co. , Hartford, 1973
Conn. 06115JONES, BRIAN A. , A . S . A, F, C . A . , B . A. Jones & Co, , Inc., 17 Battery Pl. , 1968
New York, N, Y. 10004JONES, CHARLES H ., A . b . A, , 520 Windmeadows, Altarnunte Springs, Fla. 32701 1966JONES, DONALD A , A S, A, Associate Professor, Dept of Mathematics, 1966
University of Michigan, Ann Arbor, Mich, 48104JONES, DONN B . , JR ., F . S .A. , Vice-President, Mammel, Olson, Schropp, 1971
Horn & Swartzbaugh, 3001 Douglas St ., Omaha, Nebr, 68131JONES, FRANK C . , F, S, A. , Actuary, Group Insurance, Liberty National Life 1970
Ins. Co., Birmingham, Ala. 35202JONES, HAROLD M . 16 Leicester Rd. , Marblehead, Mass. 01945 *1965JONES, HODGE L., JR., F, S, A . , Vice-President and Actuary, Guarantee Mutual *1965
Life Co, , Omaha, Nebr. 68114JONES, JOHN P. , A . S . A ., 3227 Nealon Dr., Falls Church, Va. 22042 1966JONES, MATT B, , JR., F, S,A . , Associate Group Actuary, John Hancock Mutual 1968
Life Ins. Co., Boston, Mass . 02117JONES, NATHAN F. , F. S . A. , A, C, A, S, , Vice-President and Associate Actuary, *1965
Prudential Ins. Co., Newark, N, J, 07101JONES, NORMAN L,, F, S . A ., Actuary, Gabriel, Roeder, Smith & Co, , 1970
2090 First National Bldg., Detroit, Mich . 48226JONES, RICHARD J . , 119 Nut Bush Rd, , Greensboro, N . C . 27410 1966JORDAN, C, WALLACE, F . S, A, , Professor of Mathematics, Williams College, *1965
Williamstown, Mass, 01267JORDAN, GEORGE R ., JR., A . S .A, , President , Great Southern Life Ins . Co , 1966
Houston. Texas 77006JORDAN, MICHAEL L ., F. S, A ., Vice-President and Actuary, Coastal States Life 1972
Ins . Co, , Atlanta, Ga . 30343JORDAN, ROBERT H ., F, S, A., Actuary, Product Development, Provident Mutual *1965
Life Ins . Co., Philadelphia, Pa . 19101JORVE, BARRY M, , A, C . A . S . , Second Vice-President, Travelers Ins . Co., 1971
Hartford, Conn. 06115JOSHI, ATUL V ., F . C .1 . A ., A, S, A ., Associate Group Actuary, National Life 1971
Assur, Co., Toronto, Ontario M5G 1Y7JOYCE, AUBREY L ., F, S, A . , 55 Montevideo Rd ., Avon, Conn, 06001 *1965J OYNER, BILLY N ., F . S . A . , Second Vice-President , Travelers Ins. Co. , *1965
Hartford , Conn. 06115JUAN, MABINI L., F . S . A, , Vice-President and Actuary, The Philippine- 1975
American Life Ins . Co., P.O. Box 1152, Manila , PhilippinesJUNCKER, WALTER K, , JR. , F, S. A, , Actuary. Tennessee Life Ins Co. , 1975
Houston, Texas 77001
KAACK, INGO, F . S. A . , Assistant Actuary, John Hancock Mutual Life Ins . Co. , 1968Boston, Mass. 02117
KACMARYNSKI, JOSEPH P ., A . F, A, A., Secretary and Actuary, 1966Homesteaders Life Co . , Des Moines, Iowa 50312
KADOYAMA, MITSURU, F . S . A., F, C, A. . Consulting Actuary, Mitchell & *1965Kadoyama, Inc ., 12160 Victory Blvd, , North Hollywood, Calif 9160G
KAGAN, ARTHUR B , F S. A, M C. A, , Principal, Olanie, Hurst & Hemrich, 29673250 Wilshire Blvd, , Los Angeles, Calif . 90010
68 1tilemheri
EnrolledKAGEN, MAYNARD I ., F,S,A., Vice-President, Continental Assur Cu., Chicago, *1965
Ill . 60685KAHN, DAVID J . , A . 5, A. , Second Vice-President, S. M, Hyman Company, 1971
505 Park Ave, , New York, N . Y. 10022KAHN, LINDA M, (Mrs.), F . S.A., Manager, Coopers & Lybrand, 1330 Broadway, 1970
Oakland, Calif . 94612KAHN, PAUL MARKHAM, F . S. A . , F. C .I.A . , Vice-President and Actuary, *1965
American Express Life Ins . Co., San Francisco, Calif . 94120KAIN, DALE R., F . S . A ., F, C . I, A, , Corporate Actuary, Minnesota Mutual Life 1966
Ins, Co . , St Paul, Minn. 55101KALEAS, JOHN R., F . S . A . , Coopers & Lybrand, 555 S Flower St , Los Angeles, 1975
Calif . 90071KALLOP, ROY H, , F, C . A . S, , Vice- President and Actuary, National Council on *1965
Compensation Ins . , New York, N, Y . 10017KALMBACH, LELAND .1 . , F, S, A., Honorary Chairman of the Board, *1965
Massachusetts Mutual Life Ins Co ., Springfield, Mass . 01111KAMER, JOEL V., F . S .A. , Associate Controller, John Hancock Mutual Life 1971
Ins . Co, , Boston, Mass. 02117KANDRAC, JOSEPH J . , F . S . A, , A, C . A, , Vice-President, Huggms & Co. , Inc., 1971
1401 Walnut St ., Philadelphia, Pa . 19102KANE, HOWARD L., F, S, A ., M . C . A., 1 . S. I . -Woodward, Ryan, Sharp & 1971
Davis, Inc ., 355 Lexington Ave., New York, N, Y . 10017KANNEY, JAMES R ., F . S. A, , Vice- President , Lincoln National Life Ins . Co., *1965
Fort Wayne, Ind. 46801KAPLAN, MICHAEL IT., F. S, A . , Vice-President and Actuary, Martin E . Segal Co., 1970
730 5th Ave,, New York, N . Y. 10019KAPLAN, MORTIMER, F . C . A. . Consulting Actuary, 472 Chestnut St ., Springfield, 1969
Mass . 01107KAPLAN, ROBERT, A, C .A. , Director, Research and Statistics, United Mine 1966
Workers of America, 907 15th St ., N . W . , Washington, D. C . 20005KAPUR, VISHWA N., A. S . A,, Assistant Group Actuary, New York Life Ins . Cn., 1971
New York, N . Y. 10010KARP RONALD A, , F, S . A . , Vice- President , Dean Witter & Co., Inc., *1965
14 Wall St . , New York, N. Y, 10005KARSTEN, ORLO L, , JR ., F . S. A, , Vice-President, Underwriting, *1955
Northwestern Mutual Life Ins, Co . , Milwaukee, Wis. 53202KASS, DAVID R, , F . S. A. , Consulting Actuary, 3570 Warrensville Center Rd ., *1965
Shaker Heights, Ohio 44122KATES, PHILLIP R., F, C . A, S ., Chairman of the Board and President, *1965
Independent Fire Ins . Co., Jacksonville, Fla . 32276KATZ, GERALD L ., F . S. A., Assistant Actuary, Mutual of New York, New York, 1974
N. Y, 10019KAUFMAN, SIDNEY T ., F. S, A, , Actuarial Systems, Inc ., 1333 Lawrence Exp., 1971
Santa Clara, Calif. 95051KAVANAGH, BRIAN, A,S.A., President, Farmers National Life Ins. Co„ Miami, 1970
Fla, 33137KAYSEN, KENNETH E., Group Mathematician, Provident Mutual Life Ins . Co, , 1966
Philadelphia, Pa. 19101KAYTON, HOWARD H, , F, S . A . , A. C . A . S . , A, C, A, , C onsultmg Actuary, *1965
Milliman & Robertson, Inc ., 251 S. Lake A,,e . . Pasadena, Calif . 91101KAZAKOFF, MICHAEL, F . S . A ., F, C, A ., F . C . I . A ., Vice- President and Actuary, *1966
Mutual of Omaha, Omaha, Nebr. 68131KEATON, CHARLES W., F . S, A., Executive Vice- President, McCready & *1965
Keene, Inc ., 8041 K nue Rd ., Indianapolis , Ind . 46250KEENE, CHARLES R, , A .S.A., F, C, A . , F, F, A. A. , President, McCready & *1965
Keene, Ine., 8041 Knue Rd . , Indianapolis, Ind, 46250KEENE, KENNETH K,, F,S,A„ Senior Vice-President and Director, *1965
Johnson & Higgins, 95 Wall St. , New York, N . Y, 10005KEETCH, G. Y ., F, C, A., Consulting Actuary, 1140 N . W. 63rd St, , *1965
Oklahoma City . Okla, 73116KEFFER, WILLIAM W,, F, S . A, , Director, Group Development, Great- West *1965
Life Assur. Co., Denver, Colo, 80202KEHELA, EDMUND F,, A. S . A . , Actuary, Marsh & McLennan , Inc. , 1968
3303 Wilshire Blvd., Los Angeles, Calif . 90010
Member r 69
EnrolledKELLER, JOHN W ., F, 5, A ., Assistant Actuary, Northwestern Mutual Life Ins, Co . 1972
Milwaukee , Wis. 53202KELLEY, VANCE W., A, S . A . , Group Specialist , Union Central Life Ins, Co. ,
,
1971Cincinnati , Ohio 45201
KELLIE, WILLIAM C, , F. S . A. , Assistant Actuary, Phoenix Mutual Life I ns, Co . 1974Hartford, Conn. 06115
KELLISON, STEPHEN G . F . S . A , Executive Director, American Academ
,
y of 1968Actuaries , 1775 K St., N . W. , Washington , D. C. 20006
KELLY, JEREMIAH, F, S, A, , Actuarial Director , Prudential Ins . Co., Wayne 1971,N J 07470. .
KELLY, THOMAS J ., F. S . A., A . F, A, A ., Chief Actuary, New York State -41966Ins, Dept ., 2 World Trade Center, New York, N . Y. 10038
KEMBLE, JAMES W ., F. S, A, President , George V . Stennes & Assoc ., I nc ., *19652850 Metro Dr ., Minneapolis , Minn. 55420
KEMPER, LEE H, , F. S .A., Vice -President and Actuary , Acacia Mutual L ife *1965Ins . Co. , Washington, D . C . 20001
KEMPKEN, DAVID W ., F . S. A., Special Assistant to the Manager, 1974Employee Benefits Programs, Bethlehem Steel Corp., Martin Tower,Bethlehem , Pa. 18016
KENIGSON , GEORGE, F . S . A, , 100 W. Cold Spring Ln., Baltimore , Md . 21210 *1965KENNEDY, DONALD F ., F, S. A . , Vice - President , Huggins & Co. , Inc ., 1967
1401 Walnut St. , Philadelphia, Pa. 19102KENNON, RALPH E ., F, S . A, , Merrifield , Minn. 56465 *1965KENT, IRWIN I., A, S . A., F. C . A., Consulting Actuary, Actuarial Service s, Inc ., *1965
1640 Vaux Hall Rd . . Union, N. J . 07083KENT, MORTON J„ F, S.A ., President, Vencap Investment Corp ., *1965
2020 Commerce Union Tower , Chattanooga , Tenn. 37450KENYON, FREDERIC V., F . S . A . , Marsh & McLennan Benefits International, 1970
2 Southampton P1 ., London WC1A 2DA, EnglandKERNS, GILBERT F ., F, S . A ., F, C . A., Consulting Actuary, Milliman & *1965
Robertson , Inc ., 251 S . Lake Ave ., Pasadena, Calif . 91101KERR, NORMAN W., Vice - President , Marsh & McLennan, Inc ., One Olive r Plaza, 1969
Pittsburgh , Pa. 15222KERR, WILLIAM D, , A, C . A., Marsh & McLennan, Inc ., Consultants & Actuaries, 1971
Pensions Division , 222 S . Riverside , Chicago, Ill . 60606KERSEY, CHARLES E„ A .S.A„ Capital Holding Corp., Louisville , Ky . 40201 1969KEUS, WOUTER P, J., A. S, A ., Assistant to the Actuary , Occidental Life Ins . Co ., 1966
Los Angeles, Calif . 90051KHEEL , BRIAN S., A. S ,A., Assistant Chief Actuary, New York City Retir ement 1972
Systems, 220 Church St., New York, N , Y. 10013KHURY, COSTANDY K . . F, C, A. S ., Actuarial Director , Prudential Proper ty & 1973
Casualty Co. , Woodbridge , N . J. 07095KIDD, ROBERT M. . A, S.A., Vice -President, Selection and Issue, Ohio National 1966
Life Ins . Co ., Cincinnati , Ohio 45219KIDD, THOMAS D. , F. S. A., F. C. I A. , The Wyatt Co, , 744 W . Hastings, 1975
Vancouver, British Columbia V6C 1A5KIDWELL, W . DUANE, F, S . A . , Vice-President and Actuary , Paul Revere Life *1965
Ins, Co , Worcester , Mass. 01608KIEFER, JAMES C . . A . S. A ., Second Vice-President and Group Actuary, 1975
Louisiana & Southern Life Ins . Co ., New Orleans , La. 70112KIENTZ, DOROTHY I. (Miss ), F . C . A . , A . S, A ., Staff Actuary , George B, Buck *1965
Consulting Actuaries , Inc . , Two Pennsylvania Plaza, New York, N. Y. 10001KIERNAN, WILLIAM J ., F . S, A, , Assistant Vice-President and Associate A ctuary, 1973
Equitable Life Assur . Soc . . New York , N . Y. 10019KISSER , MANFRED B., A . S . A ., Actuary , 300 Locust St ., Akron, Ohio 44 302 1971KILBOURNE, FREDERICK W., F . S. A., F . C. A. S ., F, C . A , President, Booz, *1965
Allen Consulting Actuaries , 660 Newport Center Dr ., Newport Beach,Calif . 92660
KILLION, RAYMOND F ., F, S, A, , 5 High Ridge Rd ., Wilton , Conn. 06897 *1965KILMER , JAMES E., F, S . A., Associate Actuary, Business Men's Assur . Co., 1974
Kansas City, Mo. 64141KIMBALL, HERBERT W., F, S, A., F, C, A ., Vice-President , The Connell Company, *1965
275 Wyman St ., Waltham, Mass, 02154KING, JAMES A ., Consulting Actuary, 40 W. 57th St ., New York, N. Y . 10019 1971
70 Members
EnrolledKING, JON L , F, S A., Associate, Towers, Perrin, Forster & Crosby, Inc, 1975
1900 Avenue of the Stars, Century City, Calif. 90067KING, NORMAN R . B., M . C . A ., Actuary and General Manager, Professional Life 1967
& Casualty Co ., Chicago, 111 . 60611KING, RUSSELL L ., Vice- President and Actuary, National Old Line Ins, Co ., 1966
Little Rock, Ark . 72203KINGSTON, MARY F . (Miss), Life Actuary, Massachusetts Division of Ins ., 1967
Boston, Mass. 02202KINGSTON, STUART J ., A. S . A ., F . C . A ., Pension and Actuarial Consultant, *1965
National Life Ins . Co ., Montpelier , Vt. 05602KINSEY, PAUL F, , A . S . A, , Associate Director of Data Processing, 1966
Northwestern Mutual Life Ins . Co., Milwaukee, Wis. 53202KIRBY, WILLIAM J ., Manager, Pension and Field Services, Aetna Variable 1966
Annuity Life Ins. Co. , Hartford, Conn . 06115KIRKPATRICK, JAMES L., Senior Staff Actuary, Hand & Associates, 555 Cullen 1966
Center Bank Bldg . . Houston, Texas 77002KIRKPATRICK, THOMAS H, , F S. A., Box 3325, Tequesta, Fla . 33456 *l965KITCHEN, DUANE, A . S A, , Vice-President and Actuary, William M. Mercer, 1966
3303 Wilshire Blvd ., Los Angeles, Calif . 90010KITCHEN, EMMETT B , A. C . A, , President, Mutual Life Ins, Co., 1966
Washington, D . C. 20036KITTREDGE, JOHN K. , F, S. A. , Senior Vice-President and Actuary, Prudential *1965
Ins. Co, of America, Newark, N J . 07101KLAASSE, FRANK L. , F. S. A., Vice-President, Corporate Systems, Provident 1966
Life & Accident Ins . Co, . Chattanooga, Tenn, 37402KLAASSEN, ELDON J. , F. C A S, , Actuary, Security Mutual Casualty Co„
Chicago, Ill . 60606*1965
KLEEN. JOHN T, , JR. , A, S. A , Assistant Actuary, Mutual Trust Life Ins . Co ., 1971Oak Brook, Ill . 60521
KLEIN, DAVID M. , F . C . A. S. , Hartford Ins . Group, Hartford, Conn . 06115 1975KLEIN. OSCAR R . JR. , F . S A. , F C . I, A ., Executive Vice-President and *1965
Chief Actuary, Business Men's Assur . Co., Kansas City, Mo. 64141KLEINBERG. ALBERT,I. , F. S A., Actuary, The Wyatt Co., 733 Third Ave ., 1974
New York, N. Y. 10017KLEM, WALTER. F . S, A . , 30 Western Dr ., Short Hills, N . J. 07078 *1965KLING, RICHARD W, , F, S . A, , Vice-President and Chief Actuary, IDS Life
Ins . Co . . Minneapolis, Minn. 554021970
KLINGMAN, GEORGE C. , A. C A . S , Director, Rating and Research Division, 1971Travelers Ins . Co., Hartford, Conn. 06115
KLINZMAN, FRANK W , F. S. A , Vice-President and Actuary, GeneralReassur. Corp . , Greenwich, Conn . 06830
*1965
KLUEH, KENNETH C, , F S. A , Vice-President and Actuary, United Ins . Co.of America, Chicago, Ill . 60601
1967
KNIES, PAUL H , F, S A. , Senior Vice-President and Controller, Metropolitan *1965Life Ins. Co., New York, N. Y. 10010
KNIGHT, JAMES P. , F. S. A. , Actuary, SAFECO Life Ins, Co ., Seattle, 1972Wash. 98185
KNOPF, MYRNA L. (Miss), A C . A. , Secretary, Seal & Lohse, Inc ., La Mottaz, 19671143 Apples, Switzerland
KNOWLER,of Iowa .
LLOYD A . , Professor, Actuarial Science and Statistics, UniversityIowa City, Iowa 52242
1966
KNOWLES, ROBERT L, , F S. A . , Actuary, Massachusetts Mutual Life Ins . Co ., 1972Springfield, Mass. 01111
KNOWLTON, HENRY K. . F, S A, , M, C . A. , Vice-President, Tillinghast &Company, IBM Bldg., 815 S . Main St ., Jacksonville, Fla . 32207
*1965
KNOX, FREDERICK J . , F S. A, , Vice-President, Actuarial, St . Paul Fire & *1965Marine Ins . Co, , St . Paul . Minn . 55102
KOBRINE, RONALD, F, S . A Vice- President and Actuary, National 1966Associates, Inc ., 615 S. Flower at Wilshire, Los Angeles, Calif . 90017
KOCH, JOSEPH J. , F C, A. , Senior Actuary, EBASCO Services, Inc . , *1965100 Church St. . New York, N. Y. 10007
KOCH, KENNETH E . , F. C . A, , Actuary, The Wyatt Co., 65 William St . . 1970Wellesley Hills, Mass . 02181
KOCH. ROBERT B, , F S. A, , Vice-President, John Hancock Mutual Life Ins . Co. , *1965Boston, Mass, 02117
Member r 71
EnrolledKOGER, GERALD T ., M, C. A. , Consulting Actuary, Milliman & Robertson, Inc ., 1966
300 W. Osborn Rd ., Phoenix, Ariz 85013KOLE. MORRIS B. , F C . A. S . Actuary, State Ins . Fund, 199 Church St. . *1965
New York. N. Y. 10007KOLLAR. JOHN J. , F. C . A. S . , Ins. Services Office, 160 Water St., 1975
New York, N, Y 10038KOLODNY. GEORGE, F . S. A ., 20 E . 35th St . . New York, N. Y, 10016 *1965KONOVSKY, ARTHUR E , A, C . A , Actuary, Bruce & As sue . , 11 N. Skokie Blvd. , 1966
Lake Bluff, 111, 60044KOOPERSMITH, MICHAEL B. , Associate Actuary, Paul Revere Life Ins . Co., 1975
Worcester, Mass, 01608KOPPEL, SPENCER, F . S. A ., F. C I A. , Vice-President and Actuary, 1970
Combined Ins. Co., Chicago, Ill, 60640KORMES, MARK, F, C. A. S. , President, Actuarial Associates, Inc., *1965
P.O. Box 2146, Grand Central Station, New York, N . Y. 10017KORNHAUSER. MARVIN L. . F . S. A , F . C . A . . Actuary . The Wyatt Co., +'1965
1717 First National Bldg ., Detroit, Mich . 48226KORPER. LESLIE E, , H . F. S A. , Associate Actuary, Hartford Life Ins . Co., 1971
Hartford, Conn, 06115KOSLOFF, HF.'RRE RT I ., F. S, A ., Assistant Vice-President and Associate 1974
Actuary, Equitable Life Assur. Society, New York, N . Y. 10019KOTSONIS, JAMES N A S. A , Assistant Actuary, Washington National Ins . Co., 1975
Evanston, Ill. 60201KOWALCHUK, THEODORE J, . F. S A., F C A , T, J Kowalchuk Assoc,, *1965
666 Fifth Ave., New York, N, Y 10019KRAABEL. STEPHEN E . . F. S A. . F . C . I A., A . C . A. , Associate Actuary, 1970
Tolley International Corp., 3901 N, Meridian St. , Indianapolis, Ind . 46208KRAEGEL, WILFRED A , F. S A . Associate Actuary, Northwestern Mutual *1965
Life Ins. Co., Milwaukee, Wis . 53202KRAUSHAAR, CHARLES W., JR , F S A. . Second Vice-President and Actuary, *1965
New York Life Ins, Co ., New York, N. Y. 10010KRAUSS. RUSSELL H. . A . S . A. , Associate Actuary, Bankers National Life 1971
Ins, Co., Parsippany, N . J. 07054KRAYSLER. STEPHEN F . , F. S. A. , Associate Actuary, John Hancock Mutual 1970
Life Ins . Co. , Boston, Mass . 02117KREAMER, JAMES R, . F S. A , Consulting Actuary, Taylor, Ballard & Co. , 1973
P.O. Box 1385, Cedar Rapids, Iowa 52406KREIDER, DONALD E , A S. A , Vice-President and Actuary, ITT Life Ins . Coip . , 1972
Box E, Thorp, Wis. 54771KRENZ, JOSEPH A , JR , A . S A. . Consulting Actuary, Milliman & 1967
Robertson, Inc ., Prospect Bldg ., 1501 N. University, Little Rock, Ark . 72207KRETSCHMER, ALBERT H , JR. , F S A, , 106 North Rd., Wilmington, Del . 19809 *1965KRIEGER, RAYMOND B . F'. S . A . . Consulting Actuary, Touche Ross *1965
Ste nits & Co., 1633 Broadway, New York, N . Y, 10019KRINSKY, ROBERT D, , A S. A. , F, C, A, , Senior Vice-President and Actuary, 1966
Martin E, Segal Co , 730 Fifth Ave ., New York, N, Y . 10019KRIPKE. ALBERT E . . 8201 16th St., Silver Spring, Md. 20910 1969KRISHER, WILLIAM K, , F S, A , Senior Vice-President, Connecticut Mutual *1965
Life Ins . Co , Hartford, Conn, 06115KROGH, ELDEN C . , F. S . A ., Vice-President and Actuary . National Guardian '1965
Life Ins . Co , Madison, Wis . 53701KROLL. CEDRIC W . , F. C . A . . A. S . A. , Government Actuary, U . S. Treasury *1965
Dept., Main Treasury, Washington, D . C. 20220KRONIIOLM, WILLIAM L., F S. A , 40 Park Ave ., Windsor, Conn. 06095 *1965KRNKSKY, MICHAEL, F S. A . . Assistant Vice-President, Metropolitan Life 1968
Ins . Co., New York, N. Y. 10010KRUEGER. DAVID W, , F, S. A . , Consulting Actuary, Millinian & Robertson, Inc ., 1973
200 Executive Dr. . Brookfield, Wis. 53005KUENDIG, WILLIAM N. , II, F . S . A , Consulting Actuary. Hooker & Holcombe, Inc ., 1973
100 Constitution Plaza, Hartford, Coon . 06103KUIHLMANN, GEORGE H , JR , A. S A. , Assistant Vice-President, Nationwide 1970
Corporation, 246 N . High St , Columbus, Ohio 43215KUHN. JEFFREY P ., A S A. . Assistant Actuary, Western & Southern Life 1975
Ins. Co . . Cincinnati, Ohio 45202
72 Members
EnrolledKUNESH , DANIEL J , F. S . A ., Supervisor, Peat , Marwick, Mitchell & Co., 1973
222 S. Riverside Plaza, Chicago, Ill . 60606KUNIS, A. MAXWELL , F S A, , F C , A. , F C . I. A., President , A. M, Kunis *1965
& Co., Inc ., 184 Grand Ave ., Englewood , N . J . 07631KUNKEMUELLER , A. HENRY. F S A. , Vice - President and Actuary , American *1965
Life Ins . Co., Wilmington , Del. 19895
KVERNLAND, .TACK T , F S A , Senior Vice- President and Chief Actuary, *1965Prudential Ins . Co., Newark, N. J. 07101
KWASHA, H, CHARLES , A. S . A . , F . C. A. , Partner and Consulting Actuary, *1965Kwasha Lipton Inc , , 429 Sylvan Ave . , Englewood Cliffs, N . J . 07632
KYLE , GEORGE B . , F . S. A, , A F, A, A., Consulting Actuary, *1965130 S , Bemiston Ave ., St . Louis , Mo. 63105
L'ABBATE, SALVATORE A, , F. S. A ., Assistant Actuary, Guardian Life Ins, Co ., *1965
New York, N. Y. 10003LABROSSE , PIERRE H. C., A . S. A. . Assistant Actuary, United Farm Bureau . 1971
Indianapolis, Ind, 46204LABUTE , RONALD A . . A. S A , Actuary, The Wyatt Co., 200 First 1966
National Bldg ., Detroit, Mich . 48226LACHTER, JACK, Johnson & Higgins , 4201 Wilshire Blvd., Los Angeles, 1968
Calif . 90005LACKIE, FRANK W . , A, S, A , , Vice-President and Actuary, Kennesaw Life & 1967
Accident Ins. Cu ., Atlanta , Ga. 30309LA CROIX. HAROLD F, , F . C . A . S , Actuarial Consultant, 100 Constitution Plaza, *1965
Hartford, Conn. 06103LAKE, MENO T . . F. S . A , , F . C . I A ., President , Occidental Life Ins . CO., *1965
Los Angeles, Calif . 90051LAMB, JAMES D . , F . S. A . Associate Actuary, Occidental Life Ins . Co., 1972
Los Angeles , Calif . 90051LAMPS, DALE E. , F, S . A, , Watkins , Ross, Waterfield & Baines, Inc., 1971
402A Waters Bldg ., Grand Rapids, Mich, 49502LANCASTER, EDWIN B. , F S. A. . F , C. I . A . , Executive Vice -President, *1965
Metropolitan Life Ins . Co. , New York, N . Y, 10010LANG, ANDREW C , JR , F . S. A . , Consulting Actuary, Towers , Perrin, 1971
Forster & Crosby , Inc ., 1500 Market , Philadelphia , Pa. 19102
LANGE , JEFFREY T . , F, C . A, S. , Vice-President , Royal - Globe Ins . Cos. , *1965
New York , N. Y. 10038LANGER , DAVID. A. S A , President , David Langer Cu., 60 F . 42nd St. , 1966
New York , N. Y. 10017LANGHANS . JOHN F , F S, A. , Assistant Actuary, Phoenix Mutual Life Ins . Co . . 1974
Hartford , Conn. 06115LANGHANS , MEIER F., 6A Cooper Lane , Whiting, N, J. 08759 1966LANGSTON . ESSE D, , A S. A . , F C . A , Consulting Actuary, Latta & Langston, *1965
Consulting Actuaries , 515 E . Annie St. , Jackson, Miss. 39201
LANNEN, JAMES R. , F S . A , M. C . A, , Consultant , Towers, Perrin, Forster & 1975
Crosby, Inc ., 233 S. Wacker Dr., Chicago, Ill . 60606LANNERT, THOMAS F , F . S . A . , Assistant Vice-President and Assistant 1975
Actuary , Life Investors Ins . Co., Cedar Rapids , Iowa 52402
LAREW, JOHN R , A. S. A, . Director, Travelers Ins . Co ., Hartford , Conn. 06115 1969LARKIN, JAMES P , F. S A. , Senior Vice- President , Security Mutual Life 1971
Ins. Co., Binghamton , N, Y, 13902
LARSON. CHARLES M , A . S . A. , 11513 Havenwood Rd., Whittier, Calif . 90606 1966LARSON, ROBERT E ., F . S .A ., Chief Actuary, U S . Railroad Retirement Board, *1965
844 Rush St. . Chicago , Ill . 60611LARUS, JOHN R. , F, S A , , 67 Wyndwood Rd. , West Hartford , Conn , 06107 *1965
LATIMER. MURRAY W , F C A , F . C . A . S . . F. C I, A, , Murray W. Latimer, *1965
Industrial Relations Consultants, 1625 K St ., N . W., Washington, D . C . 20006
LATTA , RAYMOND A , F C . A . . Consulting Actuary , Latta & Langston, *1965
Consulting Actuaries, 515 F . Amite St ., Jackson , Miss . 39201
LAUER , .T, ALAN, F. S A . . Associate Actuary, Penn Mutual Life Ins, Co ., *1965
Philadelphia , Pa. 19172LAUNER, LEE E., F . S . A. , Actuarial Associate , Metropolitan Life Ins . Co., 1975
New York, N. Y, 10010
Memheri 73
EnrolledLAUTZENHEISER, BARBARA .1, (Miss), F .S.A., Vice-President and Actuary, 1968
Bankers Life Nebraska, Lincoln, Nebr . 68501LAVERDIERE, MICHAEL, F. S A , Actuary, New York Life Ins, Co., 1970
New York, N. Y. 10010LA VIGNE JOSEPH A , F S A., Metropolitan Life Ins Co., *1965
New York, N, Y. 10010LAWRENCE. JOHN W. , JR. , F. S A. , Associate Actuary, Reinsurance, 1974
American United Life Ins, Co ., Indianapolis, Ind . 46206LAWRENCE, JOSEPH R, F . S . A. . F C . A . Vice-President , Huggins & Co., Inc . . 1966
1401 Walnut St ., Philadelphia, Pa. 19102LAWSON, HAROLD R , F S. A. , F, C . I, A. , 40 North Rd ., Glens Falls, N . Y. 12801 1967LAZERSON, JACOB A, , A, S. A . , Actuary. Bureau of Rates and Policies, 1966
Ins . Dept . of Pennsylvania . 402 Finance Bldg , Harrisburg, Pa . 17120LEARSON, RICHARD J . , A S A, , Consulting Actuary, 150 E . 58th St., 1966
Ncw York, N, Y, 10022LEARY, THOMAS J ., F S. A , Second Vice-President and Actuary 1970
Massachusetts Mutual Life Ins . Co., Springfield, Mass . 01111LEAVITT, GORDON H , F S. A ., Actuary, Savings Banks Life Ins. Fund, *1965
New York, N, Y, 10017LE BLANC, SIDNEY A., F, S . A. . Second Vice-President and Actuary, 1972
Pan-American Life Ins . Co., New Orleans, La . 70119LE BLOND, RICHARD M., A. S A. , George B. Buck Consulting Actuaries, Inc. . 1971
Two Penn Plaza, New York, N. Y. 10001LEBOS. LEO. JR , A. S. A. . Assistant Vice-President, Interstate Life & 1974
Accident Ins . Co . . Chattanooga, Tenn. 37402LEBOURVEAU, ALLAN F, , F . S . A , F C. 1 . A ., 129 Layton St., *1965
Olai, Calif . 93023LEBOW, KENNETH D. , F. S . A. , Assistant Actuary, Mutual of New York, 1975
New York, N. Y. 10019LECKIE, ROBIN B, , F, S. A, , Vice-President and Chief Actuary, Manufacturers 1974
Life Ins . Co. , Toronto, Ontario M4W 1E4LE CLAIR, PETER T . F . S. A . , Actuary, Aetna Variable Annuity Life Ins . Co., 1970
Hartford, Conn. 06115LEE, CURTIS H, . F . S A . Towers, Perrin, Forster & Crosby, Inc., 1973
1100 Superior Ave ., Cleveland, Ohio 44114LEE, HAROLD D, , F, S, A, , Consultant, Towers, Perrin, Forster B Crosby, Inc , 1975
Toronto Dominion Center, Toronto, Ontario M5K 1K3LEE, HARRY A Executive Vice-President, National Reserve Life Ins, Co. , 1966
Topeka, Kans . 66601LEE . LUCIAN R. , Assistant Secretary and Assistant Actuary, Liberty Life 1969
Ins . Co., Greenville, S . C. 29602LEFF, HAROLD B . , F. S. A. . Actuarial Associate, Metropolitan Life Ins . Co., 1975
New York, N. Y. 10010LEGGETT, RICHARD A., F, S. A . . Vice-President and Actuary, Travelers 11965
Ins . Co., Hartford, Conn . 06115LEGRIS, JEAN M., F F, A . A , Consultant Actuary, 52 Vassar Ave . . *1965
Providence, R, I. 02906LEHANE, LEO J., A. S. A., 1001 Park Ave., Lake Park, Fla. 33403 1966LEHMAN, STEPHEN H., F . S . A, , Associate Actuary, New York Life Ins . Co. , 1971
New York, N. Y. 10010LEHMANN, EARL R , Assistant Actuary, Country Life Ins . Co., Bloomington, 1970
Ill . 61701LEIGHT. ARTHUR S. , F. S . A ., A . C A . S . ISI-Woodward, Ryan, Sharp & *1965
Davis, Inc ., 355 Lexington Ave ., New York, N, Y, 10017LEIGHT, GRACE (Miss), A . S. A Actuary, Peat, Marwick, Mitchell & Co . , 1966
345 Park Ave., New York, N. Y. 10022LEIGHTY, WILLIAM G, , JR . F. S, A, , Vice-President and Actuary, United 1975
Founders Life Ins. Co., Oklahoma City, Okla . 73112LEISTER, HARRY M, , JP, , F S A , Consulting Actuary, Conrad M. Siegel . Inc., *1965
3820 Walnut St., Harrisburg, Pa . 17109LEMERY, FRANCIS P. , JR . . F S. A , Assistant Vice-President and Associate 1969
Actuary, Kansas City Life Ins . Co., Kansas City, Mo . 64141LEMIEUX, RICHARD G , F . S A , Actuary, William M. Mercer, Ltd, , 1975
One Place Ville-Marie, Montreal, Quebec H3B 2A6
74 Members
EnrolledLEMMON, VESTAL , President, National Association of Independent Insurers, 1970
Des Plaines , 111 . 60018LENSER, JOHN M, , F. S . A , Consulting Actuary, Milliman & Robertson , Inc. , 1973
2 Pennsylvania Plaza, New York , N, Y. 10019LEONARD , BRADLEY D. , F. S . A., Vice- President and Actuary , Wisconsin 1974
Life Ins . Co ., 709 N . Segoe Rd ., Madison , Wis. 53705LEONARD, WILFORD A, , F. S. A . , Vice-President and Associate Actuary, 1969
Jefferson Standard Life Ins . Co., Greensboro , N, C. 27420LEONG, LEONARD P J . , F . S A. . Consulting Actuary, Mtlliman & 1967
Robertson, Inc, , 44 Montgomery St ., San Francisco, Calif . 94104
LERNER, GARY G. , Actuary, Johnson & Higgins of California, 19694201 Wilshire Blvd ., Los Angeles, Calif . 90005
LESLIE , WILLIAM H , F . S. A. . Assistant Vice-President and Group Actuary, 1969Hartford Life Ins . Co, , Hartford , Conn. 06115
LESLIE , WILLIAM, JR , F. C . A, S, , Executive Vice -President, *1965INSCO Systems Corp ., 12 Gold St ., New York, N. Y 10038
LETSON, EDWARD W., Vice -President , Rael & Letson, One Embarcadero 1966Center. San Francisco , Calif . 94111
LETWIN , FRED G. , F. S . A , Pension Actuary, American United Life Ins . Co., *1965
Indianapolis , Ind. 46206LEVENE , DAVID A , F . S. A, , Actuarial Associate , Metropolitan Life Ins . Co., 1971
San Francisco , Calif. 94105LEVENSON . MARTIN W, , A. S. A , Vice-President and Associate Actuary, 1966
Martin E . Segal Co ., 730 Fifth Ave ., New York. N. Y. 10019
LEVIN , HOWARD J , F . S. A., Consultant , Hewitt Assoc ., 120 S. Riverside 1975Plaza, Chicago , Ill. 60606
LEVIN, JOSEPH W, , F . C . A. S , Artuary , Employers Reinsur, Corp., 1969Kansas City, Mo. 64105
LEVINSON , LOUIS, F . S . A . , 106 Bronson Ter ., Springfield , Mass. 01108 *1965LE VITA. MAURICE H. , F C. A., A. S , A., Consulting Actuary, *1965
2828 Connecticut Ave ., N. W., Washington , D . C. 20008LEVITSKY , CHARLES A. , A . S. A, , Second Vice-President , Occidental Life 1970
Ins . Co., Los Angeles , Calif. 90051LEVY , GERALD A, , F S . A . , Vice-President , North American Reassur , Co. , *1965
New York, N. Y. 10017LEVY , THOMAS D. , F . S, A . . F. C . I. A. , Vice -President and Actuary, 1970
Martin E, Segal Co., Inc ., 607 Boylston St ., Boston, Mass. 02116LEW, EDWARD A. , F, S, A, , Consultant, 51 Mohegan Rd., *1965
Larchmont , N. Y. 10538LEWIS, CLAIR A., F , S . A., Associate Actuary, Northwestern Mutual *1965
Life Ins . Co., Milwaukee , Wis, 53202LEWIS, HERMAN, F. S. A ., Vice - President , Metropolitan Life Ins . Co. , *1965
New York, N. Y. 10010LEWIS, JAMES L. , JR , F S. A , Vice- President and Actuary . Mutual Security *1965
Life Ins . Co . , Fort Wayne , Ind . 46805LE WIS, W. JAMES D , F . S A., F. C . I, A. , President, Canadian Operations, 1971
Prudential Ins, Co ., Toronto, Ontario M5H 1B7LEWIS, WILLIAM E, , F, S. A . , Senior Vice-President , Lincoln National Life *1965
Ins . Co., Fort Wayne , Ind . 46802LEWIS , WILLIAM H , F. S. A., 204 Laguna Villa Blvd., Jacksonville Beach, *1965
Fla. 32250LEWIS. WILLIAM H. , JR. , F , S. A . , F . C . A . , Executive Vice -President, 1969
Buchanan & Lewis, Inc . , 7540 Lyndon B . Johnson Fwy., Dallas , Texas 75251LEWIS, WINTHROP T . . A. S . A . , 50 Ancient Way, Yarmouth Port, Mass . 02675 1966LHAMON, FREDERIC T., A . S . A , Assistant Actuary, Milliman & Robertson , Inc., 1975
914 Second Ave ., Seattle , Wash. 98104LIBBY, WILLIAM B. , A. S A. , Secretary, Aetna Life & Casualty, 1971
Hartford , Conn. 06115LIBMAN, MICHAEL L, , A, S, A . , Consulting Actuary. David R. Kass, 1971
3570 Warrensville Center P4 ., Shaker Heights , Ohio 44122LIDDLE , J. THOMAS, JR , F . S A , F, C . I. A , Assistant Vice - President and 1966
Associate Actuary, Equitable Life Assui, Soc ., New York, N. Y. 10019LIENHARD . JOHN B . , F. S. A. . 34 Kenyon St, , Hartford , Conn. 06105 *1965LILLY, GEORGE P. . F . C . A, , President , George P. Lilly & Cu., Inc., 1966
1100 W. Northwest Hwy ., Mount Prospect , Ill . 60056
Members 75
EnrolledLIN. CHE. F, S, A, , President, Marsh and McLennan South East Asia Ltd ., 1970
30-32 Connaught Rd ., Central , Hong KongLINCOLN, ARTHUR B , JR, F, S . A . , Associate Actuary, National Life Ins . Co. , *1965
Montpelier, Vt . 05602LINCOLN. CHARLES G, , II, A, S A, , Associate Systems Director, 1966
Travelers Ins . Co., Hartford , Conn . 06115LINDEN, JOHN R, F. C A S., Chief of Special Services, Connecticut *1965
State Tns . Dept., Hartford, Conn . 06115LINDER, JOSEPH, F C . A, S . . F, C . A, , A . S. A . , 25 Roosevelt Ter. , *1965
Bayonne, N . J. 07002LINDSAY. BRUCE G, , A S. A. , Senior Vice-President and Actuary, United 1966
Services Life Ins, Co., Washington , D. C. 20006LINDSAY. ROBERT L . , F . S A . . F . C . I . A . . Vice-President for Group Insurance, *1965
Mutual Life Ins Co. , New York, N . Y. 10019LINDSEY, ELWIN R , A S A , Secretary, Aetna Life & Casualty, 1966
Hartford, Conn. 06115LINDSTROM. LAWRENCE A . . F. S. A. , Vice-President and Corporate Actuary, 1974
Life Ins . Co. of North America, Philadelphia, Pa . 19101LINE, RUSSELL A, , F S . A , Second Vice-President and Associate Actuary, 1968
Midland Mutual Life Ins . Co . , Columbus, Ohio 43215LING, GEORGE S., F, F, A, A , 1346 Glenbrook Rd, , Meadowbrook, Pa . 19046 *1965LING, GEORGE S. , JIL , A. S, A, , F . C, A . , Vice-President and Secretary, 1966
Kruse, O'Connor & Ling, Inc . , 802 American National Bank Bldg .,Fort Lauderdale, Fla. 33304
LINK, ROBERT F., F. S. A . . Vice-President and Actuary, Equitable Life *1965Assur. Soc , New York, N . Y, 10019
LINN, ELDON R , A, S A, , Associate Actuary, Acacia Mutual Life Ins. Co. , 1966Washington, D . C . 20001
LINO. RICHARD. F. C, A, S, , Actuary, Insurance Services Office, 160 Water St ., *1965New York, N. Y. 10038
LINQUANTI, AUGUST J, , A C, A S. , Assistant Actuary, Royal-Globe Ins . Cos., 1968New York, N. Y. 10038
LIPTAK, WALTER T, , A S A. . A. C A , Vice-President and Actuary, Montgomery 1969Ward Life Ins ., 140 S . State, Chicago, Ill . 60603
LISCORD, PAUL S. , F, C, A S. , Consulting Actuary, Millinian & Robertson, Inr,, •196,7150 Stratford Ave ., Wayne, Pa . 19087
LISLE, LOTTTE R. (Mrs .), F . C . A ., A, S . A , Actuary, U, S . Social Security 1966Admin . , Baltimore, Md. 21235
LITTLE, D, ALAN, F . S, A, , Consulting Actuary, Milliman & Robertson, Inc ., 1966Consulting Actuaries, 115 N . Pennsylvania St, , Indianapolis, Ind . 46204
LITTLE . ROBERT H., F S A F. C I . A. , F, C . A . . Consulting Actuary, 41965Little, Church & Chapin, Inc., 301 E . Colorado Blvd . , Pasadena, Calif. 91101
LIU, JACK K, , A S, A, , Senior Group Pension Consultant, Prudential Ins . Co., 1966Los Angeles , Calit . 90054
LIVELY, DAVID L, , F S. A., Associate Actuary, Aetna Life Ins. Co, , 1966Hartford, Conn, 06115
LIVINGSTON, GILBERT R . F C . A S, , 192 Nutley Ave ., Nutley, Conn . 07110 *1965LIVINGSTON, JAMES A . , JR , F, S A . , Senior Vice-President, Liberty National *1965
Life In,, Co ., Birmingham, Ala . 35202LIVEEY. FRANK, A . S. A. , Hewitt Assoc ., P.O. Box 13, One First Canadian PI ., 1974
Toronto, Ontario M5X 1A9LLEWELLYN, DAVID, F. S. A, . Special Markets Actuary, Sentry Life Ins . Co., 1970
Stevens Point, Wis . 54481LOADMAN, A. EARL, F S. A, , F C, I . A, , 126 Kingsway Ave . , Winnipeg 9, 1966
ManitobaLOCKHART, BENJAMIN F. . Consultant, The Wyatt Co . , One First National 1970
Plaza . Clucago, Ill . 60603LOCKWOOD. DONALD A , F, C A., A S. A , Senior Vice-President and Actuary, +1965
Pension Planning Co., Inc , 355 Lexington Ave., New York, N. Y. 10017LOFTIER, RICHARD H. , F. S .A., Vice-President and Actuary. Aetna Life 3 41965
Casualty, Hartford , Conn. 06115LOEFFEL. CARL L . , F, S. A . . Second Vice-President and Associate Actuary, 1968
Union Mutual Life Ins . Co., Portland, Maine 04112LOFTIS, JOHN M. , F, S, A, , Vice-President and Actuary, Integnn Life Ins . Corp., +1965
Winston-Salem, N, C . 27102
76 Memberf
EnrolledLOGAN. LOREN G. , F, S. A . , F C, I, A, , President . CNA Actuarial Consultants, *1965
Chicago, 111 . 60685LOGIE, DAVID A., A. S A. , F . C . 1 . A ., Financial Vice-President and Secretary,
Zurich Life Ins . Co. of Canada, Toronto, Ontario M5H 3C41966
LOUSE, RUDOLPH M., F S, A ., President, Seal & Lohse, Inc ., ConsultingActuaries, 1001 Franklin Ave ., Garden City, N . Y. 11530
*1965
LONERGAN, CLYDE G., F, S, A, , Peat, Marwick and Partners, P, O . Box 31,Commerce Court West, Toronto, Ontario M5L 1B2
1966
ZONES, WILLIAM R, , F, S. A , Actuary, Equitable Life Iris . Co . of Iowa,Des Moines, Iowa 50306
+1965
LONG, LEON L., A. S, A ., 3714 Cornell St ., Des Moines, Iowa 50313 1966LONG, ROBERT A ., A . C . A ., Consulting Actuary, 4500 N . Sewell, 1966
Oklahoma City, Okla . 73118LONGLEY-COOK. LAURENCE H , A. S A , F, C . A S., Hinsons Island,
Bermuda*1965
LONGMOORE, JOHN T , F. S A ., Vice-President, John Hancock Mutual *1965Life Ins . Co., Boston, Mass, 02117
LONGYEAR, GEORGE Y. , A . S . A ., Senior Actuarial Assistant, Pacific MutualLife Ins. Co. , Newport Beach, Calif. 92663
1971
LOO, TSU- YT, F, S, A , Consulting Actuary, Milliman & Robertson, Inc, ,150 Strafford Ave ., Wayne, Pa . 19087
19G9
LORD, SAMUEL H , F . S. A , Associate Actuary, Phoenix Mutual Life Ins, Co. ,Hartford, Conn. 06115
1970
LORENZ. ALOIS J ., Employee Benefit Plan Consultant, 230 S Beniiston Ave.,St. Louis, Mo. 63105
1971
LOSK, NORMAN S, , F S, A, , A, C, A, , Actuary, Marsh & McLennan, Inc .,Norton Bldg., Seattle, Wash . 98104
1972
LOUGHLIN, MARTIN J, , F . S. A. , Associate Group Actuary, Hartford Ins . Group,Hartford, Conn. 06115
1969
LOUIS, PAK H ., 37 Plymouth Rd., Pert Washington, N. Y. 11050 1966LOVEKAMP, GLEN H. , A S. A ., Actuary, Country Life Ins . Co .,
Bloomington, 111, 617011966
LOW, GEORGE D., A. S . A ., Associate Actuary, Berkshire Life Ins . Co .,Pittsfield, Mass . 01201
1966
LOWDEN. BEVERLY C. (Mrs .), F. S A., Associate Group Actuary,John Hancock Mutual Life Iris . Cu., Boston, Mass . 02117
1968
LOWDEN, ROBERT D , F S. A , Vice-President and Actuary, John HancockMutual Life Ins . Co., Doston, Mass, 02117
*1965
LOWE. ROBERT F., F C A, S., Consulting Actuary, Nelson & Warren, Inc .,222 S . Central Ave ., St . Louis, Mo . 63105
1970
LOWRIE, WALTER B , A. S. A ., Occidental Life Ins . Co., Gardena, Calif. 90249 1966LUBIN, LAWRENCE, F S. A, , Senior Vice-President and Chief Actuary,
Standard Security Life Ins . Co. of New York, New York, N, Y . 100031966
LUBLIN, LEON, A, C A. . Vice-President and Actuary, American HeritageLife Ins . Co., Jacksonville, Fla . 32202
1966
LUKENS, JAYWOOD . F . S. A , 5545 Riviera Dr., Coral Gables, Fla, 33146 *1965LUMSDEN, WILLIAM F . . F S . A , F C . A ., F . C . I. A . . Senior Vice-President, *1965
Connell Co, , 615 F, Michigan St ., Milwaukee, Wis . 53202LUNBECK. ROBERT A., F . S. A. . F . C . A, . Actuary, The Wyatt Co., *1965
1660 Suburban Station Bldg ., Philadelphia, Pa. 19103LUND, ALLAN C., A S A, , A, C A, , Pension Actuary, Deferred Compensation 1966
Administrators, Inc ., 1645 Cargill Bldg ., Minneapolis, Minn . 55402LUNDBERG, JAMES J ., A. S. A . , Manager, Center for the Study of
Pharmaceutical Systems (PharmaSYST), University of Minnesota,1969
318 Harvard St . S. E ., Minneapolis, Minn . 55414LUNDE, ORLEN E . , F . S. A ., Consulting Actuary, George V. Stennes & Assoc., 1970
2850 Metro Dr ., Minneapolis, Minn . 55420LUNDQUIST, FRANKLIN L ., A. S . A. . Actuarial Assistant, Central Life 1974
Assur. Co., Des Moines, Iowa 50306LUTZ, HARRY S. , F, S. A , Assistant Group Actuary, John Hancock Mutual
Life Ins . Co., Boston, Mass . 021171974
LUTZ, LAUREN J. , 103 Peck Ave., Syracuse, N. Y. 13206 *1965LUTZ, WILLIS J. , F . S. A, , First International Bldg ., Dallas, Texas 75270 *1965LUZADER, RANDALL M., A . S. A., Consulting Actuary, Peat, Marwick, 1970
Mitchell & Co, , 4200 One Shell Plaza, Houston, Texas 77002
Members 77
EnrolledLYLE, ROBERT V, , F, S, A, , Associate Actuary, Aetna Life & Casualty, 1968
Hartford, Conn. 06115LYNAS, R013ERT H , A. C. A , Senior Vice-President, Peter C, Spoolstra & 1969
Assoc ., Inc ., 1861 Royal Oak Pl ., Fast Dunedin, Fla. 33528LYNCH, JOSIAH M, , JR. , A S . A., F, C . A. . President, Actuarial Computer 1966
Technology, Inc., 10215 Feruwood Rd ., Bethesda, Md . 20034LYNCH, TIMOTHY J, , F. S. A , Vice-President, Meidinger & Assoc . , Inc., 1972
2440 Grinstead Dr ., Louisville, Ky . 40204LYNDE, HAROLD W. , 236 C Marblehead Ln., Jameshurg, N, J, 08831 1966LYON, DOROTHY M. (Miss), Actuarial Assistant, American United Life 1966
Ins, Co., Indianapolis, Iod, 46206LYONS, DANIEL J, , F, S, A, , F, C . A . S. . Chairman and President, Bankers *l965
National Life Ins . Co., Parsippany, N . J. 07054LYONS, FRANK J . . F C . A. . Senior Vice- President, Kwasha Lipton Inc., 1967
Englewood Cliffs, N . J. 07632LYONS, HAROLD V., F S, A. , F. C A. , 514 White Oak Ave ., Brandon, Fla, 33511 *1965LYONS, SAMUEL J., JR . , A. S. A. , Senior Consultant, Peat, Marwick, 1971
Mitchell and Co ., 555 S. Flower, Los Angeles, Calif, 90504
MABRY, FREDERICK C. , F. S A, , M . C . A, , Consulting Actuary, George n . Buck 1969Consulting Actuaries, Inc ., 340 Interstate North, Atlanta, Ga. 30309
MACARCHUK. JOHN. F. S . A , Second Vice-President and Actuary, State Mutual *1965Life Assur . Co, , Worcester, Mass, 01605
MACAULAY, JOSEPH P, , F, S. A, , Assistant Group Actuary, John Hancock 1971Mutual Life Ins . Co., Boston, Mass . 02117
MAC DONALD. A. ROSS, F S A, , F. C, I, A. , Actuarial Vice-President, 1967Imperial Life Assur . Co., Toronto, Ontario M4V IN7
MAC DONALD. COLIN D , F. S. A., Assistant Vice-President and Associate 1970Actuary, California-Western States Life Ins. Co., Sacramento , Calif . 95814
MAC DONALD, DAVID D, , A, S. A. . 2103 Coronado Dr . , S . E., Grand Rapids, 1966Mich. 49506
MAC DONALD, J. BRUCE, F. S. A. , F, C, I, A, , F, C, A. , Vice-President, Atlantic 1966Provinces, William M. Mercer, Ltd, , One Place Ville Marie, Montreal,Quebec H3B 2A6
MAC DOUGALL, JOHN A , JR, F. S, A ., F. C, A., Vice-President and Actuary, 1966Edward H. Friend he Co ., 1800 K St . , N. W. . Washington, D . C, 20006
MAC GINNITTE, W, JAMES. F, S A , F. C . A. S . , Vire-President, Tilli ngliast *1965& Co., Inc . , Tower Pi . , 3340 Peachtree Rd ., N, E, , Atlanta, Ga . 30326
MACINTYRE, NEIL W. , F S k ., Actuarial Branch, Internal Revenue Service, *19651111 Constitution Ave ., Washington, D. C. 20224
MACK, MERRILL J. , F . S. A. , Vice-President and Actuary, Reliance Standard 1966Life Ins . Co., Philadelphia, Pa, 19103
MACKEN, DANIEL D. , F F . A . A. , F. C. A. , Consulting Actuary, 1900 First *1965Ave. , N. E ., Cedar Rapids, Iowa 52402
MAC KILLOP, DONALD K. , F S. A . , Actuary, Travelers Ins . Co., *1965Hartford, Conn. 06115
MAC KINNON, MALCOLM D., F S . A , Vice-President, Prudential Ins . Co., *1965Newark, N. J. 07101
MAC KINNON, WILL D , F, S, A . , 3000 Grand Ave ., Des Moines, Iowa 50312 *1965MAC LEAN, GEORGE A. , F . S A., Actuary, Standard Life Ins . Co ., x1965
Indianapolis, Ind. 46205MAC LEAN. JAMES F., F, S, A . . Manager and Consulting Actuary, *1965
George B. Buck Consulting Actuaries, Inc ., 340 Interstate North,Atlanta, Ga. 30339
MAC LENNAN, ROBERT D . , F S. A, , Senior Vice-President and Director, ;1965Financial Operations, National Life Ins . Co., Montpelier, Vt. 05602
MAC LEOD, D, RAE, F S .A., F C . I. A., Vice-President, Manufacturers 1971Life Ins. Co., Toronto, Ontario M4W 1E5
MACOMBER, WILLIAM A, , JR, , F, S. A. , Associate Actuary, Analysis Research *1965and Development, Bankers Life and Casualty, Chicago, Ill . 60630
MAC PHAIL. JACK D. , F . S. A , President, PHA Life Ins . Cu., *1965Portland, Oreg. 97205
78 Member
EnrolledMACPHEE. MALCOLM T, , JR. , A. S. A., Assistant Actuary, Provident Mutual 1971
Life Ins . Co., Philadelphia, Pa . 19101MAC RAE, EARL M., F S. A. . Consulting Actuary, 1307 Marian Ln,, *1965
Newport Beach, Calif. 92660MACTAS, LEONARD. F. S . A., F, C . I . A, , F, C . A ., President, Consulting *1965
Actuaries Div ., Kwasha Lipton Inc ., 429 Sylvan Ave., Englewood Cliffs,
N, J. 07632MAGALSKA, JAMES M., F, S. A, , Consulting Actuary, Inter-Regional 1973
Actuarial Assoc ., 100 Dain Tower, Minneapolis, Minn. 55402MAGLATHLIN, RALPH H, , F, S . A., Second Vice-President and Actuary, *1965
Travelers Ins . Co . . Hartford, Conn, 06115MAGNUSON. EARL S. , A S . A . , A C. A ., Mutual of Omaha, Omaha , Nebr. 68131 1966MACRATH, JOSEPH J, , F. C, A . S . , 3100 S . Ocean blvd., Delray Beach, *1965
Fla. 33444MAGUIRE, RALPH D. , F S. A. , Vice- Presidcnt and Actuary, Travelers *1965
Ins . Co . , Hartford, Conn . 06115MAGYAR, JOEL, F. S A ., Associate Actuary, New York Life Ins . Co. , 1973
New York, N. Y. 10014MAHDER. JOHN, F S A , Associate Actuary, Aetna Life & Casualty, *1965
Hartford, Conn. 06115MAHONEY. MICHAEL J., F. S A . . Vice-Piesident, Metropolitan Life 1971
Ins . Co., New York, N . Y. 10010MAHONEY, THOMAS F . . A, C A, , Vice-President and Actuary, All American 1966
Life & Casualty Co ., Chicago, Ill . 60631AIAIDANICK, CHARLES I., A . S. A , A. F. A. A. , F. C . A. , Internal Revenue 1966
Service, 230 S, Dearborn St ., Chicago, Ill . 60604MATER, DONALD B F S. A. . Actuary, Metropolitan Life Ins . Co., *1965
New York, N. Y. 10010MAINE, JAMES S, , F F A . A , Vice-President and Actuary, Woodmen of the *1965
World Life Ins, Soc . , Omaha, Nebr . 68102MAKGILL, STEPHEN S. . F, C A S. , General Manager, Pennsylvania *1965
Compensation Rating Bureau, 1339 Chestnut St ., Philadelphia, Pa . 19107MALAMENT, DANIEL, A . S A , 75 henry St. . Brooklyn, N . Y. 11201 1966MALASKY. ARNOLD M, , F S. A , M C A., Actuary. The Wyatt Co., 1969
1629 K St ., N . W., Washington, D . C. 20006MALLORY, ROBERT L JR , F . S. A , Associate Actuary. Connecticut *1965
General Life Ins . Cu., Hartford, Conn . 06152MALLOY, THOMAS M F S. A. , F . C . I . A. . Actuary, Connecticut General 1968
Life Ins . Co., Hartford, Conn . 06152MANCHESTER. KARL L, , F, S, A , Executive Vice-President, Great Southern 1966
Life Ins . Co., Houston, Texas 77001MANDAT, ROLAND A ., Consulting Actuary, Roland A . Mandat, Consulting 1966
Actuaries, Compass World Bldg. , 900 E Louisiana, Denver, Colo. 80210
MANDEVILLE . GRACE A. (Miss), F, C . A , 63 E . 9th St., New York, 1966
N. Y. 10003MANNING, JAMES H . . Supervisory Actuary, Unemployment Ins. Service. 1971
601 D St . . N . W. , Washington, D. C, 20213MANSON, CLAIR S ., F . S A. , Consulting Actuary, Nelson & Warren, Inc. , 1966
5750 W . 95th St., Overland Park, Kans. 66204MARAKAS, JOHN L. , President, Nationwide Corp ., Columbus, Ohio 43216 1966MARCUS, JOHN .l , F . S A , Vice-President, Prudential Ins . Co., Newark, {1965
N. J. 07101MARGEL, LAWRENCE N, . F, S, A, , M C, A , Vice-President, Towers, Perrin, *1965
Forster & Crosby, Inc ., Centre Square West, 15th & Market Sts .,Philadelphia, Pa . 19102
MARGOLIN, MYRON H, , F, S, A, , Vice-President, Administration, Prudential *1965Ins. Co., Newark, N. J. 07101
MARGOLIS, DONALD R , A . C, A, S, , President, Don Margolis , Inc., 19678045 West Chester Pike, Upper Darby, Pa . 19082
MARIETTI, ROGER N. , F, C . A. . Marietti & Meinhardt, 6350 Lyndon B. Johnson 1969Fwy., Dallas, Texas 75240
MARKEL, FRANK L , F. S A. . Actuary, General Board of Pensions, 1972United Methodist Church, 1200 Davis St . . Evanston, 111 . 60201
MARKELL, ANDREWS, , F, S. A. , A, C, A, S, , Vice-President, Operations, *1965League Life Ins . Co., Detroit, Mich . 48235
Member i 79
EnrolledMARKLEY, MILTON L. , F. S. A. , Vice-President and Actuary, Rockford Life
Ins . Co., Rockford, 111 . 611011969
MARKS, ALENE M., A, F, A. A. , Assistant Actuary, Royal Neighbors ofAmerica, Rock Island. 111 . 61201
1970
MARONI, EDWARD W , A S. A. . Principal, Towers, Perrin , Forster &Crosby, Inc., 3400 Peachtree Rd, , N.E . . Atlanta, Ga. 30326
1966
MARPLES, WILLIAM F . , A, S . A, , F . C . A. . Consulting Actuary, 4161 Home Ave.,San Diego , Calif . 92105
*1965
MARSHALL. ERSTON L., F. S A. . 300 W, Peachtree St., Atlanta , Ga. 30308 *1965MARSHALL, GLADSTONE, F . S. A . . 10 Wardwell Rd ., West Hartford, Conn . 0610 7 *1965MARSHALL, JACK A. . F . S . A . Associate Actuary, John Hancock Mutual Life
Ins . Co. , Boston, Mass . 021171968
MARSHALL, W, LYSLE, Consultant, The Wyatt Co ., 733 Third Ave . , Ncw York, 1970N. Y. 10017
MARTIN. HENRY J F. S A. . Second Vice-President and Actuary, New YorkLife Ins. Co., New York, N. Y. 10010
*1965
MARTIN, JOHN J., F S, A., Assistant Actuary, Lincoln National Life Ins . Co .,Fort Wayne, Ind . 46801
1970
MARTIN, LESLIE R., F . S . A. , 20 Birch Rd ., West Hartford, Conn. 06107 *1965MARTIN, LESLIE R., iR , F S . A , Actuary, Group Div ., Aetna Life &
Casualty, Hartford. Conn . 06115#1965
MARTIN, NORMAN K. F S. A , F C . I . A. . Vice-President and Actuary, StateFarm Life Ins . Co ., Bloomington , Ill . 61701
+1965
MARTIN, PAUL E., F. S. A , Chairman and Chief Executive Officer, OhioNational Life Ins, Co., Cincinnati, Ohio 45201
*1965
MARTIN, ROBERT C , F, S. A. , Second Vice-President, Data Processing.Home Life Ins. Co., New York, N, Y. 10007
*1965
MARTIN, RONALD J. , A S, A, 1405 St Patrick St ., Victor, British 1966Columbia V8S 4Y5
MARTINEAU, CLAUDE J , F. S. A. . F C . I . A . . Actuary, Assumption Mutual 1974Life Ins . Co. . Moncton, New Brunswick EtC 8L1
MARTINEAU. DONALD J . . A, S, A ., Actuarial Officer, Group . Western Life 1974Ins . Co., St . Paul, Minn. 55102
MARTINELLI, ROBERT 0 . F S. A. , Senior Vice-President end Chief Actuary,Pilot Life Ins . Co., Greensboro, N. C . 27420
*1965
MARWITZ. WERNER, Senior Actuary, Internal Revenue Service, 111 ConstitutionAve., N. W, , Washington, D. C. 20224
1970
MARX, RICHARD 13. , F. S. A. , Assistant Vice-President and Associate Actuary,Mutual of New York, New York, N . Y. 10019
*1965
MASECAR, ROLPH W. , A. S. A , Vice-President, Tillinghast & Co . , Inc .,Tower PI ., 3340 Peachtree Rd. , N, F„ Atlanta, Ga. 30326
1966
MASICA, JAMES G, , A, S. A, , Assistant Actuary, North American Life & Casualty,Minneapolis, Minn. 55403
1974
MASON, FLOYD D. . F S. A . , Vice-President, Actuary, American Security LifeIns . Co., San Antonio, Texas 78298
1966
MASSEY, JORN B, , F S, A, , Partner, Meeks & Co., 921 Chatham Ln, ,Columbus, Ohio 43221
*1965
MAST, BOYD S . , F . S A , F. C, A , Vice-President and Consulting Actuary,William M, Mercer, 1515 Northwestern Bank Bldg ., Minneapolis, Minn. 55402
1966
MASTERSON, NORTON E . . F C . A . S. , Consulting Actuary, 1516 Clark St, ,Stevens Point, Wis . 54481
*1965
MASTERSON, WILLIAM E. . JR. , F S A , Assistant Actuary, Connecticut 1968General Life Ins . Co . , Hartford, Conn . 06152
MATEJA, GLENN A, , F S. A , Director, Pension Technical Services, Continental 1973Assur. Co , Chicago, Ill . 60685
MATEJA. MICHAEL E , F . S A . , Director, Pension Research and Development, *1965Aetna Life & Casualty, Hartford, Conn . 06115
MATHIS, THOMAS A, , International Dept ., E . 1. du Pont de Nemours & Co.,1007 Market St, , Wilmington, Del. 19898
1971
MATHWICK, LLOYD F. , A C . A . S. , Employers Ins. of Wausau, 2000 Westwood Dr ., 1966Wausau . Wis . 54401
MATTEODO. SIMONE, JR . , F, S . A . . Second Vice-President and Associate Actuary, *1965Equitable Life Assur . Soc ., New York, N, Y. 10019
MATTHEWS. ARTHUR N., 2412 Maiden Ln. , Roanoke, Va. 24015 1966
80 Members
EnrolledMATULICH. EDWARD J. , F. S . A ., Assistant Vice-President and Group Actuary . 1971
Nationwide Corp ., 246 N . High St ., Columbus, Ohio 43216MATZ. J. EDWIN, F, S. A. , President and Chief Operations Officer, John *1965
Hancock Mutual Life Ins. Co, , Boston. Mass. 02117MAULE, ROBERT G, , F, S . A . , Milliman & Robertson, Inc ., 914 2nd Ave ., 1972
Seattle, Wash . 98104MAULL, ROBERT W. , F. S. A. , Associate Actuary, Fidelity Mutual Life
Ins . Co., Philadelphia, Pa. 191011971
MAURER, JOHN A., F. S A, , Vice-President and Actuary, American National 1969Ins . Co., Galveston, Texas 77550
MAXON, ROBERT G, , F, S . A . . Vice-President, Aetna Life & Casualty, 1969Hartford, Conn. 06115
MAY, ROBERT M, , F, S, A , M C A , Consulting Actuary, Rudd & Wisdom, 1969402 Perry-Brooks Bldg . , Austin, Texas 78701
MAYNARD, JOHN C , F S . A . , F. C, 1. A. . Vice-President and Chief Actuary, 1966Canada Life ASSUr, Co . , Toronto, Ontario MSG 1R8
MAYO. GEORGE F. M. . A, S. A, , F. C. 1 . A. . F. I . A ., Group Vice-President, 1968National Life Assur . Co., Toronto, Ontario M5G 1Y7
MAYS, WALTER J, , A . S. A, , Associate Actuary, Western & Southern 1966Life Ins . Co. , Cincinnati, Ohio 45202
MC ALLISTER. JERRY R., F . S. A ., Second Vice-President and Actuary, 1966Minnesota Mutual Life Ins . Co ., St. Paul, Minn . 55101
MC ALLISTER, JOSEPH P . , F. S . A., Consulting Actuary, Bryan, Pendleton & ;1965Swats, 2319 Crestmoor Dr ., Nashville, Tenn . 37215
MC AULAY, ARCHIBALD H ., F . S. A. . Management Consultant, P. O . Box 113, *1965Ardsley on Hudson, N. Y. 10503
MC CAFFREY, OWEN P., JR., F . C . A ., F . S, A., Actuary, The Wyatt Co,, 1966One First National Plaza, Chicago, Ill. 60603
MC CALL, THOMAS R, M. C A., Principal, Peat, Marwick, Mitchell & Co ., 1966222 S . Riverside Plaza, Chicago, Ill, 60606
MC CALLUM. ALEXANDER C . . F . S. A., F. C . I . A . . Vice-President, Alcan 1967Fiduciaries, Ltd ., One Place Ville Marie, Montreal, Quebec H33 3YI
MC CALLUM. WILLIAM T . , F. S . A, , F . C . I . A ., Marketing Officer, Great-WestLife Assur . Co., Denver, Colo. 80202
1975
MC CARTER. WILLIAM C. , F . S. A , 6504 Calle Candela, N. W., Albuquerque, *1965N. Mex. 87107
MC CARTHY. DANIEL J. , JR . F . S . A. . Consulting Actuary, Milliman & *1965Robertson, Inc ., Two Pennsylvania Plaza, New York, N . Y. 10001
MC CARTHY, DENIS J , Actuary, Employee Benefit Plans Consultant, 1967Monadnock Bldg., 681 Market St ., San Francisco, Calif. 94105
MC CARTHY, JOHN T., F. S A , Actuary. Metropolitan Life Ins . Co., *1965New York, N. Y. 10010
MC CARTHY . WILLIAM J, , F S . A ., Assistant Actuary, State Mutual Life 1974Assur, Co., Worcester, Mass . 01605
MC CARTY, ROBERT W ., F S, A, , Vice-President and Associate Actuary, *1965Occidental Life Ins, Cu ., Los Angeles, Calif . 90051
MC CLELLAND. JOHN R . F . S. A. , Second Vice-President and Actuary, 1970Continental American Life Ins . Co . , Wilmington, Del . 19899
MC CLENAHAN. CHARLES L . F. C . A, S. , Associate Actuary, Continental 1974Assur. Co., Chicago, Ill . 60685
MC CLINTOCK, HENRY L . , A S. A. , Assistant Vice-President, Metropolitan 1966Life Ins, Co ., New York, N, Y, 10010
MC CLURE, RICHARD D . . F. C . A . S. . Assistant Actuary, Lumbermens Mutual +1965Casualty Co ., Long Grove, Ill . 60049
MC COLLUM, HAROLD L, , A. S. A, , Vice-President and Actuary, National 1966Travelers Life Co ., Des Moines, Iowa 50303
MC COMB, THOMAS M , F . C . A. . P . O. Box 48, Fort Collins, Colo, 80521 1970MC COMBS, ALLAN B . , F S. A., F. C . h A. , F . C . A , Rt. 1, Box 172, +1965
Libertyville, 111, 60048MC CONNEY, EDMUND M, , F, S A . . 255 S . W. Harrison St ., Portland, 1965
Oreg. 97201MC CONNEY, GERALD E . , A. S A , F C, A, , Principal, Coopers & Lybrand, 1966
555 S. Flower St ., Los Angeles, Calif. 90071MC CORD, DAVID R., A, S, A ., Vice-President and Actuary, Farmers New World 1966
Life Ins. Co„ Mercer Island, Wash, 99040
Members 81
EnrolledMC CORKLE, ROBERT A., F . S, A. , 3500 Downing Ave ., Glendale, Calif . 91208 41965MC CORMICK, W. GLENN, F . S. A., General Manager and Actuarial Director, *1965
Prudential Ins . Co., Fort Washington, Pa. 19034MC COY, GLEN E . , A . S . A., Actuarial Administrator, Bankers Life Nebraska, 1971
Lincoln, Nebr. 68501MC COY, JOHN S., F. S A., A, C. A. , Actuary, Metropolitan Life Ins. Co, , *1965
New York, N, Y. 10010MC CRACKEN, ARCHIE 1-L, F. S . A ., F. C. 1. A., Senior Vice- President, North 1968
American Life Assur . Co., Toronto, Ontario M5H 1R1MC CRACKEN. LESTER R. , A, S. A, , Associate Actuary, The Wyatt Co . , 1970
1629 K St., N. W. , Washington, D . C . 20006MC CROSSON, THOMAS A , JR, , A. S, A, , Assistant Vice-President, Alexander 1975
& Alexander . Inc ., 1185 Avenue of the Americas, New York, N. Y. 10036MC DEVITT, JAMES F, , F . S. A. . Associate Group Actuary, New England Mutual 1974
Life Ins . Co., Boston, Mass . 02117MC DIARMID, FERGUS J., F. S . A , 3455 S . Washington Rd., Fort Wane, *1965
Ind. 46804MC DONALD, ANGUS L , 1113 Robert F, Lee Rd., Austin, Texas 78704 1970MC DONALD, CHARLES, A. C . A. S . , Vice-President. Employers' Ins. of 1969
Texas, Dallas, Texas 75221MC DONALD, G, R. , F . 5, A . , Group Pensions Officer, Great-West Life 1975
Assur. Co., Winnipeg, Manitoba R3C 3A5MC DONALD. MILTON G. , A. C . A . S ., Chief Actuary, Massachusetts Ins. 1966
Dept. , 100 Cambridge St . , Boston, Mass. 02202MC DONNELL, JAMES R, , F . S. A ., 1530 Palisade Ave ., Fort Lee, N . J. 07024 +1965MC DONNELL. WILLIAM J ., A. S. A , Vice-President, Marsh & McLennan, Inc., 1966
2500 Prudential Center, Boston, Mass. 02199MC DONOUGH, ROBERT M., F. S. A. , Second Vice-President and Associate 1973
Actuary, Union Mutual Life Ins . Co., Portland, Maine 04112MC ELHANEY. STEPHEN T. , F . S, A. , Assistant Actuary, Western-Southern 1975
Life Ins . Co., Cincinnati, Ohio 45202MC ENEANEY. RAYMOND J ., F. S . A. , Assistant Coordinator, John Hancock 1970
Mutual Life Ins . Co., Boston, Mass . 02117MC FARLAND, HUGH J ., F. S A , Midwestern United Life Ins . Co, , Fort Wayne, 1971
Ind. 46804MC FARLANE, A. DAVID, F . S. A. , Actuary, Anglo-Permanent Corporate 1974
Holdings, Ltd ., 255 Davenport Rd . , Toronto, Ontario M5R 1K2MC FARLANE, ,7. DONALD, F . S. A, , F, C, I, A, , Director, Insurance Operations 1967
and Actuary, Northern Life Assur, Co„ London, Ontario N6A 403MC GARRY. JAMES E., M . C. A., Southwest Area Manager , A . S . Hansen . Inc., 1967
First International Bldg., Dallas, Texas 75270MC GINN, DANIEL F . , F C . 1. A, , F S. A, , F. C, A , President, Dan McGinn & *1965
Assoc. Inc ., 1150 S. Olive St ., Los Angeles . Calif . 90015MC GOWAN, ROBERT W, , A. S A, , Staff Actuary, George B . Buck Consulting 1971
Actuaries . Inc ., Two Pennsylvania Plaza . New York, N . Y . 10001MC GUINNESS, JOHN S . , F . C . A. S. , F. C . L A. . President , John S. McGuinness *19b5
Associates, 15 Kevin Rd ., Scotch Plains . N . J. 07076MC INALLY. LOIA D ., F, S. A, , Vice-President, TIuggins & Co ., Inc., 1967
1401 Walnut St ., Philadelphia, Pa . 19102MC INTOSH. KENNETH L . . A . C . A. S . , Property & Casualty Actuary, Arkansas 1966
Ins . Dept ., University Towers Bldg . , Little Rock, Ark. 72204MC INTYRE, TAMES C ., F S. A , Vice-President and Actuary, General American *1965
Life Ins . Co ., St . Louis, Mo. 63166MC INTYRE, JANE (Miss), Staff Actuary, George B, Buck Consulting Actuaries . 1967
Inc., Two Pennsylvania Plaza, Now York, N, Y. 10001MC ISAAC, DONALD A ., F S. A., F . C, I . A . . Chief, Registration and Analysis, 1972
Life Ins. Division , Dept . of Ins ., Ottawa, Ontario K1A OH2MC KEARNEY, LAWRENCE J , JR , M, C . A , Consulting Actuary, Kwasha 1969
Lipton Inc ., 429 Sylvan Ave., Englewood Cliffs, N. J. 07632MC KEE, DONALD R., Actuary, United American Ins . Co., Dallas, Texas 75205 1966MC KEE, JOHN W . , III, F. S . A., Vice-President and Actuary, Horace Mann 1973
Life Ins . Co ., Springfield , Ill, 62715MC KF.LVEY, CHANDLER L ., F S A, , Executive Vice-President, Sentry Life Ins. *1965
Co . . Stevens Point, Wis . 54481
82 Members
EnrolledMC KOSKEY , JEROME J , F S. A . , Vice-President , Inter - Regional Actuarial
Assoc., Inc ., 100 Dam Tower, Minneapolis , Minn. 5540229 N Wacker Dr,,lt A t aA CR F S
1972
*1965.onsu ing c u ry ,. ,. , . .MC LAUGHLIN , JOHN G ., JChicago, Ill . 60606
MC LAUGHLIN , WALTER J. . F S A., F. C, A, , Consulting Actuary, George B .Buck Consulting Actuaries . Inc ., Two Pennsylvania Plaza, New York,
1966
N, Y, 10001MC LEAN, DAVID P., F. S A. , Vice- President, W. Alfred Hayes & Co .,
6828 Oakland Ave . . St . Louis, Mo 631391966
MC LEAN, GEORGE E., F. C A. S , Vice-President and Actuary , MassachusettsBlue Cross, Inc ., 133 Federal St ., Boston , Mass. 02106
*1965
MC LEOD, CHARLES C ., F. S . A., F . C . I. A., Assistant Vice President,Manufacturers Lite Ins . Co ., Toronto, Ontario M4W 1E5
1975
MC LEOD. HUGH , F, S A. , F . C . I . A , 176 Strathcona Dr ., Town of Mount
Royal, Montreal , Quebec H3R 1E61968
MC MAHON, CHARLES W., F, S, A , Vice-President and Chief Actuary , UnionOhio 45201atiC
#1965incinn ,Central Life Ins . Co .,
MC MAHON. DONALD P., A . S . A. . Principal Actuary, New York State Ins .
Dept., 2 World Trade Center, New York, N. Y. 100471971
MC MAHON, MARGARET S. (Mrs,), M, C. A, , Staff Actuary , George B . BuckConsulting Actuaries, Inc ., Two Pennsylvania Plaza, New York , N. Y. 10001
1967
MC MANUS. JOHN F., A, S A . , Vice -President , Operations , USLIFE Corp .,125 Maiden Ln., New York, N. Y. 10038
1966
MC MILLEN , ROBERT H . , F . S A , Senior Vice-President , Travelers Ins. Co .,Hartford, Conn. 06115
*1965
MC MURRICH , ARTHUR R. , F. S A. , Associate Group Actuary , Sun LifeAssurance Co . of Canada, Wellesley Hills , Mass. 02181
1975
MC NAMARA , DANIEL J. , F . C . A S , (Past President), President , InsuranceServices Office , Two World Trade Center, New York , N. Y. 10048
*1965
MC NAMARA , GEORGE F , F. S A , North Harbor Dr ., Sag Harbor , N. Y. 11963 *1965MC PHERSON , DAVID E., F . S, A. , F C . 1 , A. , Vice - President and Actuary,
Allstate Ins . Co„ Northbrook , Ill . 600621972
MC QUEEN . ROBERT C ., F S A. . Senior Executive Vice- President , MutualBenefit Life Ins . Co . . Newark, N. J, 07101
*1965
MC REYNOLDS, D, KARL , F, S . A ., Actuarial Associate , MetropolitanLife Ins . Co ., New York, N. Y. 10010
41965
MC VITY, LEONARD H., F. S . A , F C . I. A. , Actuarial Manager, Coopers &Lyhrand, 1251 Avenue of the Americas , New York, N . Y. 10020
*1965
MEENAGHAN , JAMES J , F, C, A S . Senior Vice-President and Actuary,Fireman ' s Fund American Ins . Cos ., San Francisco , Calif . 94118
*1965
MEIER, CARL E. , A, S A. . Assistant Vice - President and Assistant Actuary,National Life & Accident Ins . Co ., Nashville , Tenn. 37250
1972
MELLMAN , RICHARD J . , F . S . A. , Vice - President and Associate Actuary,Prudential Ins . Co., Newark, N . J. 07101
*1965
MELNIKOFF , MEYER, F S . A., Senior Vice-President and Actuary , PrudentialIns, Co., Newark, N. J . 07101
*1965
MENDELSOHN , MARK C . , F, S. A . , Assistant Actuary, Lite Ins . Co . of 1975North America, Philadelphia , Pa. 19101
MENGE, CARLTON H., Consultant , Atlas Life Ins, Co., Tulsa, Okla . 74102 *1965MENGE,
Ins .WALTER O . , F . S A , Honorary Chairman, Lincoln National LiteCo., 200 Beach Rd ., Tequesta , Fla. 33458
*1965
MENKING, GEORGE D. , F S. A. , A, C, A. , A. F. A. A ., Consulting Actuary,Towers, Perrin, Forster & Crosby, Inc ., 1600 Republic National Bank
*1965
Bldg . , Dallas , Texas 75201MENZEL, HENRY W , F . C . A. S. . Vice-President , Insurance Services Office, *1965
160 Water St., New York, N, Y, 10038MEREDITH , ROBERT A., F. S. A . , Second Vice-President and Actuary, *1965
Travelers Ins. Co.. Hartford, Conn. 06115MERRIAM, WALTER A., F . S. A. , RD 1, Box 163, Chester , N. Y. 10918 •l965MERRIMAN , ROBERT, F, C. A., F. F . A. A, , 400 N . Federal Hwy . , Deerfield *1965
Beach , Fla, 33441MERRITT, ROBERT . F . S. A . Associate Actuary, Phoenix Mutual Life Ins. Co ., * 1965
Hartford , Conn. 06115MERRITT, ROBERT G. , Peat, Marwick, Mitchell & Co., 222 S. Riverside Plaza, 1970
Chicago, I11 . 60606
Members 83
EnrolledMETZNER, EDWIN P . , A . S . A. , Assistant Vice-President, Life Ins. Co. of 1971
North America, Philadelphia, Pa . 19101MEYER, WILLIAM C. , JR , Assistant Group Actuary, United Life and Accident 1970
Ins, Co., Concord, N . H. 03301MEYERSON, HYMAN, State Insurance Fund Actuary, State Ins. Fund, 199 Church 1966
St., New York. N. Y. 10007MIBUS, SIDNEY A. , A. S. A, , A, F . A. A. , Assistant Actuary, Lutheran 1968
Brotherhood, Minneapolis, Minn . 55402MICHALCIK, JOSEPH, F S. A. , Associate Actuary, Massachusetts Mutual Life 1971
Ins . Co., Springfield, Mass . 01111MIDDLETON, RICHARD A ., F. S . A., Coopers & Lybrand, 1251 Avenue of 1974
the Americas, New York, N. Y. 10020MIDGLEY, KEITH, F S. A, , Actuary, Surety Life Ins, Co . , Salt Lake City, 1973
Utah 84110MILER, LADDIE, A. C . A, , Actuarial Consultant, Blue Cross Assn. , 840 N. Lake 1971
Shore Dr., Chicago, 111, 60611MILLER, GEORGE H. , A . C. A. , RFD 2, Woodstock, Vt . 05091 1966MILLER, JIMMY J., F S . A. , Director of Marketing Research, Western- 1975
Southern Life Ins, Co ., Cincinnati, Ohio 45202MILLER, JOHN HAMILTON, F . S. A, , Actuary, Marsh & McLennan of Calif., 1969
One Bush St., San Francisco, Calif. 97104MILLER, JOHN HAYNES, F. S.A . , F. C. A . S. , (Past-President), Consulting 1965
Actuary, 451 Russell Ave . , Suffield, Conn . 06078MILLER, JULIAN M ., F, S. A, , 118 Cedar La., Teaneck, N. J. 07666 *1965MILLER, LAWRENCE A. , A, S. A., Actuarial Associate, Union Mutual Life 1971
Ins. Co., Portland, Maine 04112MILLER, LYNN C. , F. S . A ., Vice-President and Actuary, Family Life Ins . 1972
Co., Park Pl ., Seattle, Wash . 98101MILLER, MARDEN, President, Republic National Life Ins . Co., Dallas, 1969
Texas 75204MILLER, MICHAEL J . , A . C A S. , Actuary III, State Farm Mutual Ins. Co, , 1975
Bloomington, Ill . 61701MILLER, MORTON D. , F. S. A . , (Past-President), Vice-Chairman of the Board, *1965
Equitable Life Assur . Soc ., New York, N. Y, 10019MILLER, NICHOLAS F JR , F . C . A. S, , Assistant Vice-President, Planning *1965
Department, Aetna Life & Casualty, Hartford, Conn . 06115MILLER, ORVILLE H. , A, S. A. , Consulting Actuary, 4300 North Central 1969
Expy., Dallas, Texas 75206MILLER, PAUL V. , Vice-President and Actuary, Employers Reins . Corp., 1966
Kansas City, Mo. 64105MILLER, PHILIP D. , Assistant Actuary, Insurance Services Office, 1975
160 Water St., New York. N. Y. 10038MILLER. RICHARD L, , F. S . A , 9134 Beauclerc Circle West, Jacksonville, *1965
Fla, 32217MILLER, RICHARD S. . F S A . . Senior Vice-President and Chief Actuary, x1965
Southwestern Life Ins . Cc , Dallas, Texas 75221MILLER, ROBERT A. , Ill, F S. A , Vice-President and Corporate Actuary, *1965
Aetna Life & Casualty, Hartford, Conn . 06156MILLER, WALTER N., F S. A., F C, I . A, , Vice-President and Actuary, *1965
New York Life Ins . Co., New York, N. Y. 10010MILLER, WILBUR E. , A, C, A, , Vice-President, McCready & Keene, Inc . , 1966
6535 E . 82nd St., Indianapolis, Ind. 46250MILLERD, JOHN N, , Actuary, Incentive Industries, Inc ., P. O, Box 3045, 1971
Newport Beach, Calif . 92663MILLERING, WILLIAM L , F. S, A , Second Vice-President and Group Actuary, 1966
Mutual Benefit Life Ins . Co., Newark, N. J. 07101MILLMAN, RUSSELL L . , A S. A. , Vice-President and Actuary, Johnson & Higgins 1966
of Ohio, Inc ., 1530 Hanna Bldg., Cleveland, Ohio 44115MILLS, JOHN A. , F. C . A. S. , Point Placid, Reeds Spring, Mo. 65737 *1965MILLS. RICHARD J ., F C . A . S. , Associate Actuary, Lumbermens Mutual *1965
Casualty Co., Long Grove, Ill . 60049MILLWARD, DAVID M., A . S. A., M . C . A. . Manager, Peat, Marwick, Mitchell 1969
& Co., One Financial Plaza, Hartford, Conn. 06103MILLYARD, DAVID M . , F . S. A. , F. C, I . A. , Administrative Vice-President, 1967
Imperial Life Assur, Co., Toronto, Ontario M4V 1N7
84 Members
EnrolledMILTON, THOMAS F . , F . S, A, , A . C . A. , Vice-President and Chief Actuary, *1965
Tolley International Corp ., 3901 N. Meridian, Indianapolis , Ind. 46208MIMS, HORNSBY, A. F . A. A. , A. C . A . . Vice-President and Treasurer, 1966
Equitable Reserve Assn., 116 Commercial, Neenah, Wis . 54956MINCK, RICHARD V ., F, S. A ., Vice -President and Chiet Actuary, American 1966
Council of Life Ins ., 1730 Pennsylvania Ave ., N. W ., Washington, D, C, 20006MINCKS. W. WALTER, F . S. A ., 4820 L East Fort Lowell Rd ., Tucson, *1965
Ariz. 85712MINOR , NORMAN It , A. S. A ., F , C . A, , Vice President, Johnson & Higgins, 1966
101 S. Wacker Dr., Chicago , Ill. 60606MIRAVITE . FELICIANO F . , F, C . A . , President and Actuary , Feliciano F, 1970
Miravite , Inc ., 309 Sarmiento Bldg. . Ayala Ave., CC P. O. Box 656,Makati, Rizal 3117, Philippines
MIRE, RANDALL P., F, S. A. , Vice-President , Tillinghast & Co., Inc., 1972IBM Bldg . . 815 S . Main St., Jacksonville , Fla, 32207
MITCHELL , GEORGE THOMAS , F . S. A., Second Vice-President and Associate 1969
Actuary , Midland Mutual Life Ins . Co., Columbus , Ohio 43215MITCHELL , JAMES A., JR., F, S. A, , Controller, Connecticut General Life 1969
Ins . Co ., Hartford , Conn. 06152MITCHELL , LAWRENCE , F. S . A. , F . C .A . President, Mitchell & Kadoyama, Inc . . * 1J65
12160 Victory Blvd,, North Hollywood , Calif . 91606MITCHEM , KENNETH D. , F, S . A, , Vice-President , Personal Life Ins., *1965
Metropolitan Life Ins . Co., New York, N. Y. 10010
MODAL JACQUES C., A . S. A., Manager, Peat, Marwick, Mitchell & Co., 1971
345 Park Ave ., New York, N, Y. 10022MOELLER, PETER H . . F. S . A, , Vice - President and Actuary , Shenandoah 1970
Life Ins . Co., Roanoke . Va. 24029MOHNBLATT , ARNOLD S., F . C . A S ., Assistant Vice-President and Associate 1966
Actuary, Crum & Forster Ins, Co„ Morristown, N . J. 07960MOILIEN, TILMAR A., F. S. A ., Actuarial Vice-President , Equitable Life +1965
Ins . Co, of Iowa , Des Moines , Iowa 50306MOKROS, BERTRAM F, , A, C . A S. , Underwriting Research Manager, Allstate 1966
Ins. Co., Menlo Park, Calif, 94025MONROE , CHARLES F , A. S . A . . F . C . A, . Monroe & Assoc ., 28000 Middle 1967
Belt, Farmington, Mich. 48024MONSKY, MORRIS, F . S. A., 71-36 110th St ., Forest Hills. New York, *1965
N. Y, 11375MONTAGU"E, THEODORE L. , III, A . S. A., Associate Actuary , Interstate Life 1973
& Accident Ins. Co., Chattanooga , Tenn. 37402MONTGOMERY, JAMES R. , III, Principal Actuary , District of Columbia 1970
Dept . of Ins ., Washington , D. C. 20001MONTGOMERY, JOHN O. , F . S . A., Chief Actuary and Deputy Insurance 1966
Commissioner , State of California Ins. Dept . , Los Angeles , Calif. 90005
MONTGOMERY, PAUL V . . F. S A ., F . C. A, , Adolphus Tower, Dallas, -1965
Texas 75202MOODY, RICHARD L. , F, S, A, , Consultant . Hewitt Associates , 102 Wilmot Rd. . 1972
Deerfield , Ill . 60015MOODY , WILLIAM E . , A . S . A . , F . C , A, , Huggins & Co., Inc ., 1401 Walnut St., 1967
Philadelphia . Pa. 19102MOORE, BURTON E. , F . C . A, , Vice-President and Actuary , Atlantic Coast *1965
Life Ins. Co., Charleston, S . C. 29402MOORE, CHARLES P. , A . S. A . , F . C . A. . Vice-President and Director, 1966
A. S. Hansen, Inc ., 1080 Green Bay Rd . , Lake Bluff, Ill . 60044
MOORE, GENE C . . F . S. A. . Vice - President , Tillinghast & Co. , Inc., *1965
Tower Place , 3340 Peachtree Rd ., N.E., Atlanta , Ga. 30326
MOORE, GEORGE E, , JR_ , F, S . A. , F . C. I A. , Associate Actuary, Home *1965Beneficial Life Ins . Co ., Richmond , Va. 23261
MOORE, JAMES E . , A. C . A. S. , Associate Director, Travelers Ins . Co., 1972
Hartford, Conn. 06115MOORE, JAMES W. , F . S. A, , Consultant , Towers , Perrin, Forster & Crosby, 1967
Inc., One Embarcadero Center, San Francisco , Calif. 94111
MOORE, JOHN B, , F . S. A. , F . C. A. , Vice - President, The Wyatt Co., *1965
733 Third Ave ., New York, N. Y. 10017MOORE, PAUL C. , Actuarial Consultant, 3747 Townsend Dr ., Dallas , Texas 75229 1966
Members 85
EnrolledMOORE, PHILLIP $., Assistant Actuary, John Deere Ins . Co., 400 19th St ., 1975
Moline, Ill. 61265MOORE, ROBERT P,, F. S, A . , Second Vice-President and Group Actuary, *1965
Home Life Ins. Co., New York, N. Y. 10007MOORE, RONALD C . , A . S. A ., Consulting Actuary, George B. Buck Consulting
Actuaries, Inc„ Two Pennsylvania Plaza, New York, N . Y. 100011966
MOORHEAD, ERNEST J ., F . S . A ., (Past President), 2594 Woodberry Dr ., *1965Winston-Salem, N . C . 27106
MORAN, JOSEPH W., F . S. A ., Vice-President and Group Actuary, New York LifeIns. Co., New York, N. Y. 10010
MORAZAIN PIERRE F S A Vice-President and A t N t l R i
*1965
, , . . . , uary,c a iona e nsuranceCo. of Canada, Montreal, Quebec H2Y 1M9
1974
MORDORSKI, DAVID M, , F . S, A, , 2nd Vice-President and Associate Actuary,Occidental Life Ins. of California, Los Angeles, Calif. 90051
1972
MORECROFT, GEORGE F., A. S . A, , Actuarial Electronics Bureau, MetropolitanLife Ins . Co . . New York, N. Y. 10010
1966
MORGAN, HARRY D, , F. S, A, , F, C . A., Actuary, A. S. Hansen, Inc ., *19651080 Green Bay Rd ., Lake Blulf, III. 60044
MORGAN, JACK L . , A . S, A . , Vice- President and Actuary, United Farm Bureau 1973Family Life Ins . Co ., Indianapolis, Ind. 46204
MORISON, GEORGE D ., F . C . A . S., President . New York Compensation *1965Insurance Rating Bd ., 200 E . 42nd St ., New York, N, Y, 10017
MORRIS, DORIS N. (Mrs . 1, Assistant Actuary, American Telephone & TelegraphCo. , 195 Broadway, New York, N . Y. 10007
1967
MORRIS, H. TODD, F . S . A . , Second Vice-President , Lincoln National Sales Corp, , 1969Fort Wayne, Ind . 46801
MORRIS, ROBERT E, , F, F, A, A, , Chairman of the Board, Emeritus, Maccabees *1965Mutual Life Ins . Co., 434 Hendire Blvd., Royal Oak, Mich . 48067
MORRIS, WILLIAM O. , F . S. A., 112 Ninth St., Wilmette, 111, 60091 *1965MORRISON, HENRY P., F, S, A ., 1050-B Higgins Rd ., Park Ridge, Ill . 60068 *1965MORRISON, JOHN D., F, S . A . , Corporate Actuary, American United Life Ins . Co, ,
Indianapolis , Ind 46206*1965
MORRISON, THOMAS B., F, S, A, , F . C . I, A, , 115 Antibes Dr ., Willowdale, 1966Ontario M2R 2Y9
MORRISSEY, MARLIES S. (Mrs .), F . S . A . , Associate Actuary, Connecticut *1965Mutual Life Ins . Co., Hartford, Conn. 06115
MORROW, FRED C ., A . S . A, , Vice-President, Occidental Life Ins . Co ., 1969Los Angeles, Calif. 90051
MORROW. WILLIAM P., JR., F . S. A ., Vice-President and Associate Actuary, 1966Liberty Life Ins . Co., Greenville, S . C. 29602
MORSE, RICHARD H. , F . S. A, , 36 Holly Point Rd ., Centerville, Mass . 02632 *1965MORSS, FRANKLIN C . , JR. , F . C. A. , President, American Transit Ins . Co ., *1965
New York, N, Y. 10001MORTENSEN, JAMES M. , F . S. A., Vice-President and Actuary. Kansas City *1965
Life Ins . Co., Kansas City, Mo . 64111MORTENSEN, JAMES MICHAEL, Vice-President, Administration and Underwriting, 1970
Great American Life Ins. Co., Los Angeles, Calif 90030MORTON, ALTON P., F. S . A. , 281 West End Rd ., South Orange, N . J. 07079 *1965MORTON, E. JAMES, F . S . A . , Executive Vice-President, John Hancock *1965
Mutual Life Ins . Co., Boston, Mass . 02117MOSCOVITCH, NATHAN A, , F, S. A, , F, C . A . , F, F, A, A ., F. C, I. A. . Partner, *1965
Wolfman & Moscovitch, 222 W . Adams St., Chicago, Ill . 60606MOSELEY, JACK, F C . A . S ., Executive Vice-President, United States Fidelity *1965
& Guaranty Co ., Baltimore, Md. 21203MOSESSON. ZEHMAN I ., F . S. A ., College of Insurance, New York, N. Y . 10038 *l965MOSKOWITZ, LESTER, F, S . A, , A, C. A., Vice-President and Actuary, Sun Life
Ins . Co. of America, Baltimore, Md . 21201*1965
MOSS, ROBERT G., F . S. A ., A. C . A . S. , F . C . A., Consulting Actuary,P.O. Box 50521, Tucson, Ariz . 85703
*1965
MOTHERAL, ANNIE M. (Mrs.), F . S. A., Buena Vista Nursing Home, Rt . 2,Box 17, Colville, Wash. 99114
*1965
MOULTON, HAROLD B . , F . S. A . , Director, Aetna Life & Casualty, Hartford, *1965Conn, 06115
MOUTON, GLENN F. , F . S. A . . Consulting Actuary, Wakely & Assoc ., Inc ., 19751467 Bellair Rd., Clearwater, Fla . 33516
86 Members
EnrolledMOYER, ROSS E, , F, S. A., 1030 Clayburn Dr ., Fort Wayne , Ind. 46809 *1965MOYSE, JOHNS . , F, S. A , Vice-President , Capital Holding Corp . , Louisville, *1965
Ky, 40201MUDGE , WILLIAM S. , A . C. A. . Actuary , National Farmers Union Life Ins . Co., 1969
Denver, Colo. 80201MUDRY, MICHAEL, F, S. A. , F. C . A. , Vice- President , Huggins & Co., Inc., *1965
1401 Walnut St ., Philadelphia , Pa. 19102MUELLER, RUSSELL J. , F . S. A . , Actuary and Minority Legislative Associate, 1972
U.S. House of Representatives , 112 Cannon House Office , Washington,D. C. 20515
MUETTERTIES , JOHN H, , F. C. A . S, , Vice-President , Insurance Services Office, *1965160 Water St., New York , N. Y. 10038
MUIR, JOSEPH M. , A. C. A . S. , 757 S . W, Second St ., Boca Raton, Fla . 33432 1966MUIRHEAD -GOULD, ANDREW C., F . S. A ., F C, I A_ , Assistant Group Actuary, 1971
Manufacturers Life Ins . Co., Toronto, Ontario M4W 1E4MULLEN, EDWARD J, , F, C . A , A, S. A. . A . F . A, A. , Vice-President and *1965
Actuary, A. S. Hansen, Inc ., 150 N, Wacker Dr., Chicago, 111. 60606MULLENS, WILL R. . F . S A. . Great American Reserve Ins . Co ., Dallas, *1955
Texas 75201MULLER, GARY L., F. S . A. , Vice -President and Actuary , General Life 1973
Ins, Co., Milwaukee , Wis. 53202MULLER, RICHARD L . , President , Actuarial Systems Co . , P . O. Box 1587, 1970
Rockville , Md, 20850MUNRO, GORDON J. , A, S. A, , Second Vice -President and Group Actuary, 1966
New York Life Ins . Co . . New York, N . Y, 10010MUNRO, RICHARD E . , F_ C . A S. , Vice-President, Nationwide Corp., 1969
246 N . High St ., Columbus , Ohio 43216MUNSON, BARTLEY L., F. F . A . A ., F, S, A , Associate Actuary , Aid Association •1965
for Lutherans , Appleton , Wis. 54911MUNTERICH, GEORGE C , , F . C, A. S, , Associate Actuary, Hartford Ins, Group, *l965
Hartford, Conn. 06115MUNZENMAIER, FRED W., F. S. A. . A. C . A. , Assistant Vicc-President, 1972
Alexander & Alexander , 2 Peachtree St ., N . W., Atlanta, Ga. 30303MURCH , A. DOUGLAS , F . S. A. . Senior Vice-President, Prudential Ins . Co., 1968
Newark, N. J, 07101MURDOCK, RENNET B., A, S A_ , 30 Beverly Rd ., Madison , N, J, 07940 1966MURDOCK , RICHARD G., F. S. A . , Actuary , Hartford Life Ins . Co., 1970
Hartford , Conn. 06115MURPHY, EDWARD A., A. S . A ., Associate Actuary, National Travelers 1970
Life Co ., Des Moines , Iowa 50308MURPHY. JAMES J. , F S . A. , Assistant Actuary, Northwestern Mutual Life 1971
Ins, Co ., Milwaukee , Wis. 53202MURPHY, RICHARD CHARLES . F S A., Associate Actuary, Aetna Life & 1972
Casualty, Hartford, Conn. 06115MURPHY, RICHARD CONRAD. F. S A , Director of Technical Research, *1965
Connecticut General Life Ins . Co., Hartford, Conn. 06152MURPHY, ROBERT E ., F S. A , Actuarial Associate , Metropolitan Life Ins Co., 1974
New York, N , Y, 10010MURPHY , THOMAS B., F . S. A . , President, TOP Inc., 9135 General Ct., *1965
Plymouth , Mich. 48170MURRAY, EDWARD R. , F C . A. S. . Assistant Actuary, Royal - Globe Ins . Co., 1972
New York, N . Y. 10038HURRAY, JOHN D., F. S. A., Assistant Actuary, Pacific Mutual Life Ins . Co., 1974
Newport Beach , Calif. 92663MURRAY, LUCILLE (Miss ), F . S . A. , Associate Actuary, Southwestern Life 1966
Ins. Co., Dallas , Texas 75221MURRAY, MAX T , , A. S . A . , President, USLIFE Life Ins, Co. of Texas, 1966
Dallas, Texas 75235MURRAY, ROBERT D, , A, S A ., M C. A. , Vice - President , Tillinghast & Co., 1966
814 Carillon Tower East , 13601 Preston Rd ., Dallas, Texas 75240MURRAY, WILLIAM L, , F . S. A. , Vice President and Actuary, Sunset Life 1966
Ins. Co. of America, Olympia , Wash. 98507MURRIN, THOMAS E ., F . C, A, S , ( Past President ), Senior Vice - President, *1965
Fireman ' s Fund American Ins, Co ., San Francisco , Calif . 94119
Memberr 87
EnrolledMUSHER, JOSEPH, F, S. A. , F. C, A, , Chief Actuary, Murray W . Latimer, *1965
Industrial Relations Consultant, 1625 K St ., N. W., Washington, D. C. 20006MUSSER, KARL R , F . C . A. , Principal, Peat, Marwick, Mitchell & Co., 1966
One Boston P1 ., Boston, Mass . 02108MYERS, ROBERT J, , F, S, A., F. C, A, , F, C . A, S ., F . F . A_ A, , (Past President), *1965
Professor of Actuarial Science, Temple University, 9610 Wire Ave.,Silver Spring, Md . 20901
NACIN, RAYMOND J. . JR, F . S. A. , Senior Vice-President, Maccabees 1969Mutual Life Ins, Co, , Southfield, Mich . 48075
NADLER. HERBERT, A. S. A., Associate Actuary and Manager, Actuarial 1971Dept., Manhattan Life Ins . Co. , New York, N . Y. 10019
NAFFZIGER, JOSEPH V. , F C A, S. , Actuary, State Farm Mutual Auto . Ins, Co., 1966Bloomington, Ill, 61701
NAGGS, WILSON W, , F, F, A, A , Actuary, Modern Woodmen of America, 1966Rock Island, Ill . 61201
NAGLER, STEWART G., F S A., Actuary, Metropolitan Life Ins . Co., *1965New York, N, Y, 10010
NAPOLI, WILLIAM, JR., F.S.A., Consultant, Towers, Perrin, Forster & 1973Crosby, Inc . . 1100 Superior Ave ., Cleveland, Ohio 44114
NAZARIAN, GREGORY FL, A . C . A. , Consultant, Foreign Benefits, General 1966Electric Co., 570 Lexington Ave„ New York, N. Y. 10022
NEAL, WILLIAM E., A. S A ., Assistant Actuary, Western & Southern Life 1967Ins. Co., Cincinnati, Ohio 45202
NEEBE, HENRY G, , F . S . A . , 9507 Saybrook Ave ., Silver Spring, Md. 20901 *1965NEIDIG, FRANK M., F. S. A . , Consulting Actuary, Buchanan & Lewis, Inc ., 1972
10901 Granada Ln., Overland Park, Kans . 66211NELSEN, ALVIN B, , F, S, A, , Vice-President and Actuary, Equitable Life *1965
Assur. Soc., New York, N. Y. 10019NELSON, ALLEN G . . F. C . A., Consulting Actuary, Nelson & Warren, Inc ., *1965
222 S. Central Ave ., St . Louis, Mo . 63105NELSON, CARROLL E, , F, S, A . , F, C . A, , F. F . A. A. , Consulting Actuary, *1905
Nelson & Warren, Inc. , 222 S. Central Ave ., St . Louis, Mo. 63105NELSON, DALE A., F, C . A. S., Actuary, State Farm Mutual Automobile Ins. Co., 1966
Bloomington, ]it . 61701NELSON, DAVID M, , Consulting Actuary, 2919 N. 36th St ., Phoenix, Ariz. 85018 1972NELSON, HOMER, Consulting Actuary, 4942 Bal Harbor Dr., Chattanooga, 1968
Tenn. 37416NELSON, JOHN K, , A, C . A, S., Senior Associate Actuary, State Farm Mutual 1969
Automobile Ins . Co. , Bloomington, Ill . 61701NELSON, MARVIN R , F . S A ., Senior Vice-President. Horace Mann Educators *1965
Corp., Springfield, Ill. 62715NELSON, MARY D, , F S. A., Consulting Actuary, Conrad Nelson & Co., 1975
24800 Chagrin Blvd ., Cleveland, Ohio 44122NELSON, a TERRY, F. S . A. . Second Vice-President and Actuary, Paul Revere 1971
Life Ins . Co., Worcester, Mass . 01608NELSON, RALPH R . Rt, 1, Box 175, Wimberley, Texas 78676 1966NELSON, ROBERT E I -L . F . S. A. , Citizens Life Ins . Co., Richmond, Va. 23229 1971NELSON, ROLAND E., F . S . A ., F. C I . A ., A. C, A . S, , Vice-President, *1965
Travelers Life Ins, Co., Toronto, Ontario M5G IS7NELSON. ROY W. , F, S . A, , Director, Consulting Services Group, Aetna Life 1967
& Casualty, Hartford, Conn . 06115NEMANN. ROBERT, A. S. A., Vice-President and Actuary, Pension and Group 1972
Consultants, Inc . , 6 E . Fourth St . , Cincinnati, Ohio 45202NEMEREVER. WILLIAM L, , F. S. A . , Assistant Actuary, John Hancock Mutual 1973
Life Ins . Co., Boston, Mass . 02117NESBITT, CECIL J. , F. S A., Processor, Dept, of Mathematics, University *1965
of Michigan, Aim Arbor, Mich . 48104NESSELLE, DAVID R ., F. S A, , Associate Actuary, New England Mutual Life 1973
Ins . Co., Boston, Mass . 02117NEUSCHWANDER, EUGENE H. . F S. A , 480 Vista Grande, San Rafael, *1965
Calif . 94904
88 Membberr
EnrolledNEWELL, JACK W., A. S . A ., Group Pension Actuary, Maccabees Mutual Life 1966
Ins. Co. . Southfield, Mich . 48075NEWMAN, STEVEN H ., F, C . A. S, , Vice-President and Casualty Actuary, 1969
American International Group, New York, N . Y. 10005NEWQUIST, DAVID W., F. S. A., Associate Actuary, Occidental Life Ins . Co ., 1970
Los Angeles, Calif. 90054NICHOLSON, BRUCE J. , F. S . A, , Chief Actuary, Ministers Life & Casualty 1975
Union, Minneapolis , Minn. 55416NICHOLSON, EARL H., F, C . A., F . F. A, A, , A, C . A, S, , 1701 N. Division St ., *1965
Carson City, Nev. 89701NICHOLSON. WENDELL J. . F. S. A. , F. C. I . A . , President, Benefit Services Co ., 1971
1000 Circle Seventy-Five Pkwy., Atlanta, Ga . 30339NICKERSON, BRUCE E ., F, S . A, , Associate Actuary, American Life Ins . Assn., 1969
1730 Pennsylvania Ave . N . W., Washington, D . C. 20006NICOL, WILLIAM K., F . S . A . , Executive Vice President, Ins. Services, *1965
American National Ins . Co., Galveston, Texas 77550NICOLETTI, ANTHONY J . , F . S. A. , Vice-President and Actuary, Savings Bank 1969
Life Ins. Co., Hartford, Conn. 06103NIEHAUS, MYRON S. , JR . F S . A. , Vice-President, Aetna Life & Casualty . *1965
Hartford, Conn. 06115NIELD, DAVID A., F . S. A, , Group Vice-President, Canada Life Assur. Co ., 1975
Toronto, Ontario M5G 1R8NIESSEN, ABRAHAM M ., A . S. A. , 7141 N . Kedzie, Chicago, 111 . 60645 •1965NIGHTENGALE, CHARLES E . , A. S. A., Actuarial Assistant, Pacific Mutual 1974
Life Ins, Co ., Newport Beach, Calif, 92663NIGHTINGALE, WILLIAM R, A . C . A ., Actuary, Blue Cross, Washington- 1972
Alaska, Inc., 601 Broadway, Seattle, Wash. 98111NIKANDER, JOHN A, , F . S, A , Associate Actuary, Aetna Life and Casualty, 1973
Hartford, Conn. 06115NIKELS, ROBERT A., F . S. A., Second Vice-President and Manager of the 1969
Equities Dept., Lincoln National Life Ins. Co . . Fort Wayne, Ind. 46801NILAND, MICHAEL T., A. S, A, , Systems Developer, Equitable Life Assur. Soc ., 1966
New York, N. Y. 10019NILES, CHARLES L., JR., F. C . A, S ., Senior Deputy General Manager and *1965
Executive Vice-President, General Accident Fire & Life Assur. Corp. Ltd .,Philadelphia, Pa . 19106
NILES, RALPH H. , F. S. A . , F . C . A . , Coates, Herfurth & England, *1965320 California St ., San Francisco, Calif . 94104
NIOX, ODON, F . C . A, , F, S. A. , F . C . I. A. , Partner and Consulting Actuary, *1965Kwasha Lipton Inc ., 429 Sylvan Ave., Englewood Cliffs, N. J. 07632
NIPPER, W. WARD, A. S A., 151 South Rd., Box F, Kingston, R . I. 02881 1966NOBACK, JOSEPH C ., F . S . A. , Consulting Actuary, Milliman & Robertson, Inc. , *1965
200 Executive Dr., Brookfield, Wis . 53005NOBLE, F. PIERCE, F. S A , A . C . A ., Valuation Manager & Consultant, 1974
A. S . Hansen, Inc ., First International Bldg ., Dallas, Texas 75270NODULMAN, NORMAN B, , F . S, A, , Continental Assur . Co. . Chicago, 111 . 60685 1975NOGAREDE, DE ZERE H, , A. C, A, , 11718 Spriggs Way, Houston, Texas 77024 1966NORDSTROM, WILLIAM G., F . S. A., Consulting Actuary, George V . Stennes & 1968
Assoc., 2850 Metro Dr ., Bloomington, Minn . 55420NORMAN, LA LANDER S, , F, S. A . , F, C, I. A, , Senior Vice-President, American *1965
United Life Co ., Indianapolis, Ind, 46206NORRIS, THOMAS J. . F. S. A., Vice-President and Actuary, Lincoln Benefit 1975
Life Co., Lincoln, Nebr. 68501NORTON, DAVID E, , F, S, A . , Consulting Actuary, Milliman & Robertson, Inc ., 1971
3131 N, W. 13th St ., Gainesville, Fla, 32601NOTARAS, S. GEORGE, F. C . A ., Vice-President, McCready & Keene, Inc ., 1970
8041 Knue Rd., Indianapolis, Ind . 46250NOVEMBER. WILLIAM J . . F. S . A. , 21 Bond St, , Great Neck, N . Y. 11021 *1965NUDELMAN, HAROLD M. , F. S. A., Associate Actuary, National Life Assur, 1975
Co. of Canada, Toronto, Ontario M5G 1Y7NUDING, ROBERT C, , F, S. A, , Vice-President, Group, Security Mutual 1966
Life Ins . Co., Binghamton, N . Y. 13902
Members 89
EnrolledO'BRIEN, PATRICK W., F. S. A . , Actuarial Officer, Health, Western Life Ins . Co., 1975
St. Paul , Minn, 55702OCHSNER, ROBERT C., A . S . A ., Vice -President and Actuary , Martin E, Segal Co., 1071
229 Peachtree St., N. E ., Atlanta , Ga. 30303OCKELS, FORREST S . , A, S. A. , Senior Vice -President, Johnson & Higgins 1966
of California , 4201 Wilshire Blvd,, Los Angeles , Calif . 90010O'CONNOR, ALBERT R., A. S, A., President and Actuary, KOL, Inc., 1971
450 Forest Ave., Norristown , Pa. 19401O'CONNOR, JEREMIAH P, , A, S. A , Associate Actuary, Titan Actuarial Services, 1971
853 Broadway, New York, N. Y. 10003O'CONNOR, WILLIAM L ., F. S A , Administrative Actuary, John Hancock Mutual *l965
Life Ins . Co., Boston, Mass. 02117ODELL, LEONARD E . , F. S. A. . Associate Actuary , Hartford Ins. Group, 3973
Hartford, Conn. 06115ODELL , W, H. , F, S . A. , A. C . A. , Senior Vice-President and Chief Actuary, *1965
Booke & Co., P.O. Box 66, Winston -Salem, N. C. 27102O'DONNELL , EDWARD F., A, S . A, , Senior Actuarial Assistant . Massachusetts 1966
Mutual Life Ins . Cu ., Springfield, Mass. 01111OGDEN, SUE W. , (Mrs.), F. S. A . , Associate Actuarial Director, Prudential 1973
Ins. Co ., Newark, N. J. 07101O'GRADY , FRANCIS T. . F. S . A. . Actuary, Metropolitan Life Ins . Co., *1965
New York, N . Y. 10010OHMAN, CARL R , F. S, A., Vice -President and Associate Actuary, Equitable *1965
Life Assur . Soc., New York, N, Y. 10019OIEN, ROBERT G. . F . C . A. S . . Actuary, St . Paul Fire & Marine Ins. Co., 1966
St. Paul, Minn . 55102O'INEEFE, E . JAY, President, Western National Life Ins . Co., Amarillo, 1966
Texas 79105O'KEEFE , RICHARD E ., F . S . A., 2 Peter Cooper Rd. . New York, N, Y, 10010O'KULICH, NICHOLAS A., F, S, A. . Director of Data Processing , Planning & 1974
Control , Connecticut General Life Ins . Co., Hartford , Conn. 06152OLDENKAMP, JULIA S. (Mrs . ), F . S . A . , Associate Actuary, Lincoln National *1965
Life Ins. Co„ Fort Wayne, Ind, 46801OLDHAM, DALE R, , A, S, A, , Vice -President and Associate Actuary, National 1975
Reserve Life Ins . Co., Topeka , Kans. 66601OLDS, STANLEY L., F. S. A . , Second Vice -President and Group Actuary, State *1965
Mutual Life Assur , Co„ Worcester , Mass. 01605OLESKA, MICHAEL P , A, S, A , , A, C, A, , Assistant Vice -President and Consulting 1970
Actuary, Alexander & Alexander. Inc ., 3550 Wilshire Blvd ., Los Angeles,Calif. 90010
OLESON, DEAN L, , F, S. A . , Actuary, Group Insurance , Business Men's 1969Assur. Co., Kansas City, Mo. 64141
OLIVIERU , MICHAEL G., A . S. A, , Assistant Actuary, Equitable Life Assur. 1972Soc., New York , N. Y. 10019
OLSEN, JAMES .T. , F. S. A. , Actuarial Director, Prudential Ins . Co., *1965Newark, N, J. 07101
OLSHEN, A . C ., F, C, A., Actuarial Consultant , 1231 Market St., San Francisco, *1965Calif . 94103
OLSON, RALPH E, , r . S. A. , Vice-President and Actuary , Gulf Atlantic Life *1965Ins . Co, , Dallas , Texas 75221
OLTCHICK, DAVID N. , F . C . A. , Executive Vice -President and Actuary, 1966Consulting Actuaries , Inc . . 1200 Rt. 46 . Clifton, N . J. 07013
ONSTINE, FRANK J., F, S. A ., Consulting Actuary, Frank J. Onstine & Assoc,, *1965One W. Hellinan Ave ., Alhanibra , Calif . 91803
O'REILLY, PATRICK .1 . , F. S. A . , Assistant Actuary, Continental Assur. Co . . 1973Chicago , Ill . 60685
ORENSHEIN , HERBERT. A S, A ., Vice -President and Chief Actuary, Beneficial 1966Standard Life Ins. Co., Los Angeles , Calif . 90010
ORLOFF , CONRAD A. . 5700 Collins Ave ., rM lanii Beach, Fla. 33140 1966ORLOFF , WARREN D. , F . S, A . , Vice-President , Johnson & Higgins of Calif., *1965
4201 Wilshire Blvd ., Los Angeles , Calif. 90010ORMSBY, CHARLES A. , F. 5 A., Senior Vice -President, John Hancock Mutual *1965
Life Ins . Co ., Boston , Mass. 02117OSTERMAN, HERBERT W . , F C . A ., Consultant , The Wyatt Co., 733 Third Ave ., 1970
New York, N. Y. 10017
90 Mernh, r i
EnrolledOSTUW, RICHARD, F . S. A, , Assistant Actuary, Phoenix Mutual Life Ins . Co ., 1974
Hartford , Conn. 06115O'SULLIVAN , LEONARD , F. C . A. , President , O'Sullivan & O'Sullivan, Inc ., 1971
Main Line Professional Bldg ., Cinnaminson, N. J. 08077OTTE , EDWARD J. , Vice - President, Group Administration , Capitol Life Ins . Co . , 1966
Denver, Colo. 80201OTTESON, PAUL M. . F . C . A . S. , Senior Vice-President , Treasurer and Actuary, *1965
Federated Mutual Ins, Co ., Owatonna, Minn. 55060OVERBERG. PAUL J. , F. S, A., F, C, I, A, , Senior Vice - President and Chief
Actuary, Allstate Liie Ins. Co ., Northbrook, Ill . 60062*1965
OVEREND, JOHN J . , F, S . A , , Product Line Manager, Ins . & Funds, ITT HartfordEurope , Inc ., 35/37 Cannon St., London EC4M 5SR. England
*1965
OVERHOLSER , DONALD M . , JR . . A. C, A. S., Consulting Actuary,George B . Buck Consulting Actuaries , Inc., Two Pennsylvania Plaza,New York, N . Y, 10001
1967
OWEN, EDWARD H. , F . S. A, , F . C . A, , Consultant, P. O. Box 344 , Bath, *1965Maine 04530
OXLEY , JOHN E . , F. S. A, , Second Vice - President and Actuary , New York *1965Life Ins . Co ., New York, N. Y. 10010
OPEN, GERALD J., F, S, A, , Assistant Actuary, The Penn Mutual Life Ins . Cu ., 1974Philadelphia, Pa. 19172
OZARK, JAMES G., F S . A., Partner, Hewitt Associates , 120 S . Riverside 1974Plaza, Chicago , 111, 60606
PACKER, BERNARD , A . S. A. , Principal Actuary, New York State Ins. Dept.,123 William St ., New York , N. Y, 10038
1966
PADDON, JOHN W. , F . S . A . . Actuary, New York Life Ins, Co ., New York, *1965N. Y. 10010
PADRO, MIGUEL A ., A. 5, A, , Associate Actuary, Martin E . Segal Co., 197157 Post St ., San Francisco , Calif . 94104
PAFF , HAROLD G , F. S, A, , 10041 Mozelle Ln., La Mesa . Calif . 92041 *1965PAGE, CHARLES H., F, S. A, , Second Vice-President and Actuary , New York *1965
Life Ins . Co ., New York, N. Y. 10010PAGNOZZI , RICHARD D , F. C . A S. , Associate Actuary, Sentry Mutual Life 1975
Ins . Co., Stevens Point, Wis. 54481PAIGE, JOHN W. . F . S. A., Senior Vice-President, Western Travelers Life 1969
Ins . Co ., San Rafael , Calif . 94902PAILLER, ARLINE (Mrs .), Consulting Actuary, 80 Orchard Rd ., Chatham, 1967
N. J. 07928PAILLER, DONALD C., F . S. A ., Associate Actuarial Directo r, Prudential Ins . Co ., * 1965
Newark, N, J, 07101PAISLEY , ROBERT M, , r. S . A., 2nd Vice President and Ass
Liberty National Life Ins . Co., Birmingham , Ala. 35202ociate Actuary, 1972
PALLONE , JULIUS L, , A. C . A . , President , Maccabees MutuSouthfield , Mich. 48075
al Life Ins, Co ., 1966
PALMER, BRUCE E . . A . S. A., Supervisor, Mathematics Section, Actuarial 1970Dept., Lincoln National Life Ins . Co., Fort Wayne , Ind. 46801
PALMER, DONALD F, , F . S . A . . Actuary , Connecticut GenerHartford, Conn. 06152
al Life Ins, Co ., 1968
PALMER, JOHN J. , F. S. A, , Second Vice - President and Actuof Virginia , Richmond, Va. 23261
ary, Life Ins . Co . 1975
PALMER, PETER S . F. S. A., Associate Actuary, Mutual BeNewark, N. J. 07101
nefit Life Ins, Co. , 1971
PAPE, FREDERICK H., A. C . A. . Group Statistician , AmericIns . Co., Houston , Texas 77001
an General Life 1966
PAQUIN. CLAUDE Y. , F. S. A. , President , Actuarial Consult1224 Canton St ., Roswell , Ga. 30075
ants of Atlanta , Inc ., 1969
PARK, RICHARD A., F . S . A. , Vice - President and Actuary , F inancial Controls, 1971Provident Life & Accident Ins . Co., Chattanooga, Tenn . 37402
PARK, T. ALLEN, A, S. A, , Associate Actuary, Reserve Life Ins . Co., Dallas, 1975
Texas 75202PARKS, LE ROY B., JR. . F. S. A , F . C. A. , Actuary, The Wyatt Co., 1968
1400 Investment Park, Cleveland, Ohio 44114
Members 91
EnrolledPARKYN, DONALD W. , A. S. A . . M . C . ,k , Actuar y, (California) Public 1969
Employees ' Retirement System, 1416 Ninth St., Sacramento, Calif . 95809PARLIN. R WILLIS , F . C . A. S ., Actuary, c/o Neckura Ins . Cos ., *1965
Oberstedterstr. 14, 6370 Oberursel , GermanyPARMENTER, NEIL A, . F S, A ., Associate Actuary, Bankers Life Co ., 1967
Des Moines, Iowa 50307PARODOS, ALEXANDRE , F . S. A., F . C. I, A ., Group Actuary fur the U . S . Sun 1972
Life Assur . Co . of Canada, Welleslcy Hills, Mass . 02181PARRISH , JAMES N, , F. S, A ., Consultant, Towers , Perrin, Forster & 1969
Crosby, Inc ., Centre Square West, Philadelphia , Pa. 19102PARRY, ARTHUR F. , F. S. A . , F. C, A . , Principal , Coopers & Lybrand, *1965
One Bush St . , San Francisco , Calif . 94104PARSONAGE , JACK O. , F . S. A. . Vice - President and Actuary, Great West Life 1974
Assur. Co ., Winnipeg , Manitoba R3C 3A5PARSONS , R DAVID , A. S, A, , M, C. A., Consulting Actuary, Hazlehurst & Assoc . , 1968
600 Gas Light Tower, Atlanta , Ga. 30303PASTER, JOSEPH P. , F . S. A. , Assistant Actuary, John Hancock Mutual Life 1973
Ins, Co., Boston, Mass . 02117PATE, JAMES A., JP,, Associate Actuary , Life & Casualty Ins. Co ., Nashville, 1967
Tenn. 37219PATEL, NAVIN J. . A . S. A. , F. C. I . A ., Consulting Actuary, Johnson & Higgins 1971
Willis Faber , Ltd ., 7 King St., E., Toronto, Ontario M5C 1A2PATRICK, RODGER R., A. S. A., Partner , Hewitt Associates , 102 Wilmot Rd ., 1966
Deerfield, 111. 60015PATRIZI , B. J, , F. S. A ., Unit Manager , Bankers Life Ins . Co ., (Iowa ) Salt Lake 1966
City, Utah 84111PATTERSON, WILLIAM D., F, S. A., F . C . 1 . A ., 93 Glenview Ave ., Toronto, 1966
Ontario M4R 1P9PATTISON , EDGAR W . , F . S, A ., Senior Vice-President and Chief Actuary, 1966
American United Life Ins . Co . , Indianapolis , laid . 46206PATE , LAWRENCE C., A. S A . , Vice-President and Actuary, United Life & 1966
Accident Ins . Co ., Concord, N. H. 03301PAULEY. BARTON S, , F, S, A. , 35 Laurel Grove Ave ., Kentfield , Calif . 94904 *1965PAULL, MARVIN J., F. S A . . Manager , Peat, Marwick, Mitchell & Co., 1968
555 S. Flower St ., Los Angeles, Calif . 90071PAWELKO, ROBERT L, , A, S, A . , Vice-President and Actuary, Insurance 1971
Consultants, Inc., 230 W, Monroe , Chicago, Ill . 60606PAXTON , WILLIAM G, , F . S. A . , Senior Vice - President , Group Insurance, 1969
Maccabees Mutual Life Ins. Co., Southfield , Mich. 48075PAYDOS, CHARLES J ., F, S . A, , Actuary and Director , Corporate Planning, 1970
Phoenix Mutual Lile Ins . Co., Hartford . Conn. 06115PEACOCKE, SIDNEY W, , Associate Actuary, Business Men's Assur . Co ., 1969
Kansas City, Mo. 64141PEACOR, C. NORMAN . F . S . A. , Executive Vice-President and Chief Actuary, *1965
Massachusetts Mutual Life Ins . Co., Springfield, Mass. 01111PEARSALL , DONALD M , , F . S. A , Associate Actuary , John Hancock Mutual 1968
Life Ins . Co„ Boston, Mass, 02117PEARSON, JOHN S., JR. , F. S . A . , Vice - President, Finance and Actuary, 1969
Surety Life Ins . Co ., Salt Lake City , Utah 84110PEARSON, RAYMOND G. , F . S. A. , F . C, A, , R G. Pearson, Inc, , *1965
28790 Chagrin Blvd ., Cleveland, Ohio 44122PEAVY, HUBERT D. , Senior Vice - President and Actuary, Coastal States Life 1966
Ins .PEBLY,
Co., Atlanta , Ga, 30309ROBERT R , Actuary , Educators Mutual Life Ins . Co., Lancaster, 1968
Pa, 17604PECK, JONATHAN K., A. S . A ., 190 N . Spruce St., Ramsey, N . J. 07446 1966PEEL, JERALD P. , A, C, A, S. , President , Security Mutual Casualty Co ., 1966
Chicago, Hl . 60606PEIRCE, CHARLES A . , F. S. A . , Associate Group Actuary , John Hancock Mutual *1065
Life Ins. Co . , Boston, Mass. 02117PENCHAS, SIMON, A, F. A, A . , Broad St . , A 33, Freehold, N. J . 07728 1966PENDLETON. FRANKLIN D. , F . S, A. , F, C . A. , Consulting Actuary, Bryan, 1969
Pendleton & Swats, 2319 Crestmoor Rd., Nashville , Tenn. 37215PENICK, ROBERT I) ., F . S. A. , Second Vice-President and Actuary, Monumental 1972
Life Ins . Co ., Baltimore, Md. 21202
92 Members
EnrolledPENN, HAROLD W, , A, S, A, , Actuary, William M. Mercer, One Woodward Ave ., 1971
Detroit, Mich. 48226PENNEY, DON E ., A. S . A. . George V . Stennes & Assoc., 1007 Lincoln Benefit 1971
Life Bldg ., Lincoln, Nebr . 68508PENNINGTON, THOMAS K. , F S. A, , F . F . A . A., F . C . I. A. , Vice President *1965
and Actuary, Protective Life Ins . Co., Birmingham, Ala, 35202PENROSE, CLEMENT B. , F . S. A, , Vice-President, Individual Ins . Services, *1965
Pacific Mutual Life Ins . Co, , Newport Beach, Calif . 92663PEREZ, GIOVI, F . S, A, , Vice-President and Actuary, Life Insurance , Monarch *1965
Life Ins . Co., Springfield, Mass . 01101PERISHO, RAY M. , F . S. A., Second Vice-President, Reinsurance, Phoenix 1974
Mutual Life Ins . Co., Hartford, Conn . 06115PERKINS, ALFRED W., A . S, A. , Vice-President, Union Mutual Life Ins. Co., 1966
Portland, Maine 04112PERKINS, ANN LOUISE (Mrs .), F . S . A. , 990 Lake Shore Dr ., Chicago, Rl. 60611 1973PERKINS, FREDERICK P, , F, S . A, , 90 Hunter Dr ., West Hartford, Conn. 06107 *1965PERKINS, ROBERT E., F. S . A. , Consulting Actuary, Alexander & Alexander, Inc , 1972
2 N . Riverside Plaza, Chicago, Ill. 60606PERLSTEIN, PHILIP M., F . S A ., Vice-President, Metropolitan Life Ins . Co., *1965
New York, N. Y. 10010PERREAULT, STEPHEN L ., F. C . A . S, , Secretary, Hartford Ins . Group, 1970
Hartford, Conn. 06115PERROTT, GODFREY J. A. , F . S. A, , Vice-President, M & R Services, Inc., 1973
920 Second Ave ., Seattle, Wash. 98104PERRY, ROBERT C, , F S . A., A. C. A, S ., F, C . I, A ., 203 Regency Dr., *l965
Bloomington, 111 . 61701PESTAL, CHARLES F ., F, S, A, , Second Vice-President, Northwestern National *1965
Life Ins . Co., Minneapolis, Minn. 55440PETERS, CARL A., F . S. A., F . C I A., Associate Actuary, Phoenix Mutual Life, 1966
Hartford, Conn. 06115PETERS, EDWARD J , F . C . A, , F. F, A. A. . President, Edward J. Peters *1965
& Assoc., Inc ., 3550 Washington Blvd ., Indianapolis, Ind. 46205PETERS, FRANKLIN E ., F . S. A., Associate Actuary, John Hancock Mutual 1971
Life Ins . Co., Boston, Mass. 02117PETERS, STEFAN, F . S. A, , F, C . A, S, , Chief Actuary, Division of Insurance, *1965
Commonwealth of Massachusetts, Boston, Mass . 02202PETERSEN, JERRY T., A. F.A.A. , Actuary, E . P. Higgins & Co, , 1970
111 Bourse Bldg ., Philadelphia, Pa . 19106PETERSON, DONALD M., F . S. A. . Senior Vice-President and Chief Actuary, 1966
Benefit Trust Life Ins . Co., Chicago, Hi. 60626PETERSON, JOHN L., A. S . A., M . C . A., Consulting Actuary, Nelson 1966
& Warren, Inc ., 5750 W, 95th St ., Overland Park, Kans . 66207PETERSON, R LARRY, F . S. A. , Actuary, Individual Life Ins., United Life 1971
& Accident Ins . Co., Concord, N . H. 03301PETERSON. RAY M. , F . S, A., 36 Bogart Ave . . Port Washington, N, Y, 11050 *1965PETERSON, RICHARD P, , F. S . A, , Second Vice-President and Actuary, Bankers *1965
Life Co., Des Moines, Iowa 50307PETTENGILL, DANIEL W ., F. S . A ., Vice-President, Group Div., Aetna Life *1965
& Casualty, Hartford, Conn. 06115PETTERSEN, HERBERT C, , F . S. A ., Vice-President and Actuary, Atlas Life *1965
Ins . Co., Tulsa, Okla. 74102PETZ, EARL F., F . C . A, S., F . C . I. A., Actuary, Lumbermens Mutual Casualty *1965
Co., Long Grove, Ill . 60049PFARRER. LOUIS W. , F, C . A ., Consulting Actuary, 2058 Kearney St., Denver, *1965
Colo. 80207PHARR, JOE B., F S . A . , F . C . A. , Vice-President, Tillinghast & Co., Inc ., 1967
Tuwer Place, 3340 Peachtree Rd ., N.E., Atlanta, Ga, 30326PHELPS, JOHN, F . 5, A. , Munich Reinsurance Co ., Koeniginstrasse 107, *1965
8 Munich 40, West GermanyPHILBRICK, HAROLD F . , F . S. A., F. C . I . A . . Vice-President and Actuary. *1965
Massachusetts Mutual Life Ins, Co, , Springfield, Mass. 01111PHILLIPPI, WILLIAM R. , A. C, A, , Controller, Protective Life Ins . Co., 1966
Birmingham, Ala. 35202PHILLIPS, DAVID E . , A, S . A., Senior Actuarial Assistant, State Farm Life 1970
Ins, Co., Bloomington, Ill, 61701
Members 93
EnrolledPHILLIPS, DICK L, , F, S, A C . A. , Consulting Actuary, Buchanan & 1972
Lewis, Inc„ 7540 Lyndon B . Johnson Fwy„ Dallas, Texas 75240PHILLIPS, HAL B. , JR. , A. S . A . , Assistant Actuary, Jefferson Standard Life 1975
Ins . Co., Greensboro, N, C. 27420PHILLIPS, HERBERT J. , JR. , F. C . A. S. , Vice-President and Senior Actuary, *1965
Commercial Union Assur . Co., Boston, Mass, 02108PHILLIPS, HOWARD M., F, S. A, , President, Consulting Actuaries, Inc., 1967
1200 Route 46, Clifton, N, J. 07013PHILLIPS, JIMMY E, , F, S. A. , Actuary . Southern Life & Health Ins . Co., 1971
Birmingham, Ala . 35201PHILLIPS, JOHN H . . A. C . A. S. , 915 Steuben St ., Wausau, Wis. 54401 1966PHILLIPS, ROBERT C . , A. S, A, , F, C . I, A ., F. F . A. , Vice-President, Towers, 1968
Perrin, Forster & Crosby, 1900 Avenue of the Stars, Century City,Los Angeles. Calif . 90067
PHILLIPS. WM. HAROLD, F. S A. , F, F. A. A. . F. C. 1, A . , A, C A, , Vice- *1965President and Actuary, Aid Assn . for Lutherans, Appleton, Wis. 54911
PIANO, JON M. , A. S . A . , Actuarial Supervisor, Metropolitan Life Ins Co ., 1969New York, N. Y, 10010
PICKERING, JOSEPH A , F. S.A. , Executive Vice-President, IDS Life Ins . Co., *1965Minneapolis , Minn. 55402
PIERCE, ROBERT D, , Vice-President and Actuary, Victory Life Ins . Co., 1967Topeka, Kans . 66603
PIKE, ALBERT, JR. , F. S. A, , Insurance Consultant, 4101 Cathedral Ave ., N . W . . *1965Washington, D . C, 20036
PIKE, ALBERT, 3rd . A. S. A ., M C. A. , Assistant Vice-President, Edward H, 1971Friend & Co ., 1800 K St ., N, W, , Washington, D . C. 20006
PIKE, BERTRAM N, , F, S. A. , Senior Vice-President and Group Actuary, John *1965Hancock Mutual Life Ins. Co., Boston, Mass . 02117
PIKE, MORRIS, A . S. A ., A, C, A. S, . Consulting Actuary, 19 Old Mamaroneck Rd., 1966White Plains, N, Y. 10605
PILGRIM, JAMES W, , F . S. A . , Associate Actuary, Connecticut General Life 1968Ins . Co ., Hartford, Conn. 06152
PILLAR, DAVID G . , F, S . A , Associate Actuary, Midwestern United Life Ins . Co., 1972Fort Wayne, Ind. 46804
PINCZKOWSKI, RAYMOND E . , JR. . F . S . A , Actuary, International Harvester Co ., 1971401 N. Michigan Ave ., Chicago, Ill, 60611
PINDER, WILLIAM C . , JR , F, S . A . , Vice-President and Actuary, National Life +1965& Accident Ins, Co., Nashville, Tenn . 37250
PINES, GARY A, , F, S. A . . Vice-President . The Connell Co ., 20 N. Wacker Dr., 1973Chicago, Ill . 60606
PINNEY, ALLEN D. , F. C . A S. , Actuary, Group Dept ., Travelers Ins, Co ., *1965Hartford, Conn. 06115
PITZER, KENNETH L., F, S. A. . Senior Consultant, Peat, Marwick, 1975Mitchell & Co ., 100 Constitution Plaza, Hartford, Conn . 06130
PLANK, DIANE K., F . S. A. , Vice-President, Zischke Organization, Inc ., 1972Crocker Plaza, 600 Market St ., San Francisco, Calif. 94104
PLIMPTON, HENRY A, , A, S . A, , 1750 Benjamin Franklin Dr., Lido Key, 1966Sarasota, Fla . 33577
PLISKY, JOHN C., F, S. A., Assistant Vice-President and Associate Actuary, 1973Mutual of New York, New York, N, Y. 10019
PLUMLEY, PETER W., F . S. A., Executive Director, Society of Actuaries, *1965208 S. La Salle, Chicago. Ili . 60604
PLUNKETT, JOSEPH A , American Re-Insurance Co., New York, N. Y. 10025 1971PODREBAIIAC, FRANK W. , F, S. A, , Assistant Actuary, Provident Mutual Life 1971
Ins. Co., Philadelphia, Pa . 18101POISSANT, WILLIAM A ., F . S.A., 6009 N. 20th St., Arlington, Va, 22205 *1965POLISNER, DENNIS M. , F S A . , Consulting Actuary, Peat, Marwick, Mitchell 1972
& Co., 555 S . Flower St ., Los Angeles, Calif. 90071POLK, KEN E . , F . S . A, , Associate Actuary, Southland Lite Ins . Co., Dallas, 1975
Texas 75221POLLACK. ROBERT, F. C . A. S. , President, Colonial Penn Ins . Cu., *1965
Philadelphia, Pa . 19103POLLNOW, JAN L, , F, S. A., Associate Actuary, Hartford Life Ins, Co ., 1972
Hartford, Conn. 06115
94 Members
EnrolledPOLLOCK, DAVIS A. , F. S . A. , Assistant Actuary, Central Life Assur, Co., 1972
Des Moines , Iowa 50306POND, DONALD H , JR , A. S, A, , Director and Associate Actuary, Connecticut 1975
Mutual Life Ins, Co., Hartford . Conn . 06082POORMAN, WILLIAM F ., F. S, A . , A. C, A. S. . 3131 Fleur Dr, , Des Moines, *1965
Iowa 50321POORTVLIET, WILLIAM G., F, S. A ., Actuary, Metropolitan Life Ins . Co 1966
New York, N. Y. 10010POPE, ROBERTO E, , F S, A, , Second Vice -President and Actuary, Guardian 1968
Life Ins. Co., New York, N, Y, 10003PORTER, ELDER A. , F. S . A. , 17 Glen Ridge Pkwy., Bloomfield . N, J. 07003 *1965PORTER, ERNEST R,, Executive Vice-President, Unigard Olympic Life Ins. Co ., 1966
Seattle , Wash. 98161PORTER, EUGENE F . . F. S. A. , F, F A. A ., Senior Vice-President . Corporate 1966
Planning, Aid Association fur Lutherans, Appleton, Wis . 54919PORTER. LEE B. , Actuary, Internal Revenue Service, 1111 Constitution 1971
Ave., N. W ., Washington, D. C . 20224PORTER, WILLIAM A ., F, S . A, , Vice-President . Huggins & Co., Inc,, *1965
1401 Walnut St., Philadelphia, Pa . 19102PORTO. EDWARD J, , F, S A., Group Actuary, Washington National Ins . Co ., *1965
Evanston , 111, 60202POSTON, ELIZABETH C. (Mrs.), F, C. A ., Executive Vice-President, Edward H . 1971
Friend & Co ., 1800 K St. . N . W., Washington, D. C. 20006POTTERMAIN, NEILL W , F. C . A. S. , President, Berkley . Portermain & Assoc ., 1966
717 Fifth Ave ., New York, N, Y. 10022POTTS, GRIER D., F. S A., F, C . I. A, , Assistant Vice-President, Mutual of 1966
New York, New York, N . Y. 10019POTTS, LIONEL A., JR, F . S A . . Associate Actuary, Bankers Life Co., 1966
Des Moines, Iowa 50307POUCHER, RALPH I. , Actuary and Manager, Pension Analysis Section, 1969
E 1. du Pont de Nemours & Co ., 1007 Market St , Wilmington , Del . 19898POULIN, CLAUDE, F . S, A. , Senior Actuarial Consultant, Social Security Dept., 1972
UAW, International Union, Detroit, Mich . 48214POULIN, LEON F, , Executive Vice-President, Actuary, and Secretary, 1970
Companion Life Ins, Co . . New York, N . Y. 10017POULSOM, WILLIAM 11, , 6038 N . Kilbourn Ave ., Chicago, 111 . 60646 1966POWELL, DAVID S, , A. C . A, S. , Actuary, Ins. Co. of North America, 1975
Philadelphia, Pa, 19101POWELL, JEROME M, , F, S, A. , President, Loyal Protective Life Ins . Co . , + 1965
Boston, Mass. 02115POWELL, JOHN H, , F, F, A. A. . 17470 Plaza Animado. San Diego, Calif. 92128 *1965POWELL, JOHN M, , F, S, A , 145 Waban Ave . . Waban, Mass. 02168 *I965POWELL, ROBERT N., F. S, A, , Vice-President, Nationwide Corp ., * 1965
246 N, High St ., Columbus, Ohio 43220PRATT. WILLIAM S , II, F . S. A., Second Vice-President, Individual, Union 1975
Mutual Life Ins, Co., Portland, Maine 04112PRAY, DAVID W . , F, S, A , Assistant Vice-President and Actuary, Employers 1972
Ins, of Wausau, Wausau, Wis, 54401PREBLE, W JAMES, F 5 . A . , Senior Vice-President , insurance Operations, *1965
National Life Ins, Co ., Montpelier, Vt . 05602PRENDERGAST . NICHOLAS J, , A. S, A. , Chief, Insurance Actuarial Staff, 1966
Veterans Administration Center, 5000 Wissahickon Ave. , P. O . Box 8079,Philadelphia, Pa. 19101
PRESLEY. PHILIP O, , F C . A S , Fire and Casualty Actuary, New Hampshire 1970Ins, Dept. , Concord, N. H. 03301
PRICE, ARCHIBALD M. , A. S, A , 60 Loop Rd., Falmouth, Mass. 02540 1966PRICE, EDITH E. (Mrs .), A, C, A. S . , Actuarial Associate, Lumbermens Mutual 1969
Casualty Co., Long Grove, Ill, 60049PRICE, I. EDWARD, F, S A. , Actuarial Director, Individual Insurance, Prudential 1971
Ins . Co., Newark. N . J . 07101PRIEN, BARTHUS .T ., F S A. , F. C. A, , Vice-President and Actuary, *1965
Martin E . Segal Co., Inc ., 520 S . Virgil Ave . , Los Angeles, Calif. 90020PRIMMER, ROGER L . , F S, A, , Partner, Hewitt Associates, 102 Wilmot Rd ., 1972
Deerfield, 111 60015
USE THIS FORM TO NOTIFY ACADEMY OF CHANGE IN ADDRESS, TITLE , OR DEGREEPLEASE NoTE: It is the intention to have the 1977 Academy Year Book appear early in 1977 . To permit this, the
Year Book membership roster will reflect only changes reported to the Academy office by October 31, 1976 .
Please use this form only if there is a correction to be made
FOR MEMBERSHIP ROSTER IN YEARBOOK
Name ------- - ----- - ---- ---- ---- ----- - - . ---- .. -------- - -- -----(Last) (First) (Iniliai)
Other Actuarial Memberships (please indicate all applicable)
0 F.C.LA. El F.C .A.S . fl F .C.A. Q F.F.A.A. 0 F.S.A .
Fl A.C.A .S. L M .C.A. 0 A.F.A.A. 0 A.S.A-0 A .C.A .
Title-_
Company---- .--_- -
Address - -
City . . .
State or Province(Zip code or Zone)
FOR MAILING LIST (as you wish mail addressed)Mr.
Name Mrs .
Miss. . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . .. . . . . . . . . . . .•• ------- . . . . . . . . . . . . . . . .. . . . . . . . . .
Address--- -------------------- -
FOR ACADEMY OFFICE USE :
(Zip code or Zone)
(Signature)
Company Telephone . . . . . . . . . . . . . . . . . . . . . . .Country----- - ---- - - -- - ----- Area Code)
Members 95
EnrolledPRINCE. ALLEN H . . A. S. A ., Manager, A . S. Hansen, Inc., 55 William St., 1971
Wellesley, Mass. 02181PROBST, CHARLES E., F. S. A, , Associate Actuary, Provident Mutual Life
Ins . Co. . Philadelphia, Pa. 19087*1905
PROJECTOR, MURRAY, F . S. A., M . C, A, . Consulting Actuary 776 Scripps Dr *l965, .,Claremont, Calif . 91711
PROUTY, WILLIAM C., F. S . A. . Vice-President, Group Div., Aetna Life &Casualty, Hartford, Conn. 06115
#1965
PRZYBYLA, DENNIS B., Actuarial Assistant, Midwestern United Life Ins. Co .,Fort Wayne, Ind, 46801
1970
PULLEY, RICHARD W , F, S, A ., Vice-President, Advanced Planning, MutualBenefit Life Ins. Co., Newark, N . J . 07101
*1965
PUNG, ROBERT E . , A. S. A, , Actuary, Wisconsin National Life Ins . Co.,Oshkosh, Wis . 54901
1968
PURCELL, LENA B (Mrs,), F . S . A ., Assistant Vice-President and AssociateActuary, Mutual of New York, New York, N . Y, 10019
*1965
PURDY, JAMES L . . F . S . A. , Second Vice-President and Actuary, TravelersIns . Co., Hartford, Conn . 06115
*1965
PURNELL. HARRY S ., III . F . S . A ., Assistant Vice-President, Johnson & Higgins .95 Wall St., New York, N. Y. 10005
1969
QUINBY, HARRY E., 108 Whittier Rd ., Brick Town, N . J. 08723 1967QUINLAN, JOHN A., F C . A . S., Associate Actuary, Hartford Ins . Group,
Hartford, Conn. 061151970
QUIRK, WILLIAM J., F S A., Consulting Actuary . Bayly, Martin & Fay, Inc . .3200 Wilshire Blvd„ Los Angeles, Calif. 90010
1966
RAACH, FREDERICK E., F. S A., Assistant Vice-President, Penn Mutual LifeIns . Co. . Philadelphia, Pa . 19172
1970
RAAEN, LYLE T. , A . S. A., Executive Vice-President, Computer Programming& Systems, Inc . , Stamford, Conn . 06907
1967
RABENAU, PHILIP A , F . S. A. , 59 Harbor Ln ., Massapequa Park, N, Y, 11762 *1965RABINOWITZ, BERNARD, A . S. A. . F C . L A. , Associate Actuary, Bankers Life
& Casualty Co., Chicago, Ill . 606301971
RABINOWITZ, STEVEN M , F S. A , Director of Group Pensions, Mutual ofNew York, New York, N. Y. 10019
1975
RADCLIFFE, R STEPHEN, F, S . A, , Actuary, Colonial Penn Life Ins . Co .,Philadelphia, Pa. 19103
1975
RADIN, HARRY C., 547 Vistamont Ave ., Berkeley, Calif . 94708 *1965RAEL, JUAN B, , JR , F S. A, , F, C . A, , President, Rael & Letson,
One Enibarcadero Center. San Francisco, Calif . 9411141965
RAID, GARY A. . A. C. A S . , Actuary, Umgard Ins . Group, Seattle, Wash. 98161 1967RAISCH, GEORGE F., F C. A . , Actuarial and Insurance Management Consultant,
25 Tudor City PI ., New York, N. Y, 10017*1965
RAMIRE Z, MIGUEL A . , A . S. A., Assistant Actuary, Equitable Lift, Assur, Soc .,New York, N. Y. 10019
1971
RAMSEY, HENRY B. , JR , F, S . A , Vice-President, Penn Mutual Life Ins . Co .,Philadelphia, Pa . 19172
* 1965
RANDALL. DONALD J . . F . S. A , Senior Assistant Actuary, State Farm LifeIns . Co., Bloomington, Ill . 61701
*1965
RANDALL, FREDERICK A. , F, S A, , Associate Actuary, Berkshire Life Ins . Co .,Pittsfield, Mass. 01201
1974
RANDALL. ROBERT J, , SR . F S, A, , Assistant Vice-President and Associate *1965Actuary, Equitable Life Assur. Sec., New York, N. Y. 10019
RANEIN, GERALD J . , F . S . A. . Vice-President and Actuary, North American Co . 1973for Life & Health Ins ., Chicago , Ill . 60604
RANKINS, J.Life Ins.
ROBERT, F, S, A, , Associate Actuary, Massachusetts MutualCo., Springfield, Mass . 01111
1972
RAPPAPORT,Actuary.
ANNA MARIA (Mrs .) . F . S.A., Vice-President and AssociateEquitable Life Assur Soc . , New York, N . Y 10019
*1965
96 Al ernberi
RASHID, ZAFAR, F. S, A ., Assistant Actuary, Travelers Ins . Co ., Hartford,
Conn. 06115RASKIN, RICHARD S. . A . S . A , 988 Iris Ln,, Baldwin . L . 1 ., N. Y. 11510
Enrolled1975
1966RATHBONE, NATHANAEL . A . C. A . . Actuary and Comptroller, American 1966
Guaranty Life Ins . Co, , Portland, Oreg . 97201RATHGEBER, FREDRICK E , F, S. A, , Executive Vice President, Prudential *1905
Ins, Co. , Newark, N . J . 07101RATNASWAMY. RAJARATNAM, A, C, A, S, , Staff Actuary, St . Paul Ins . Cos., 1967
St, Paul, Minn. 55102RAYMOND, DAVID H, , F S A . . Associate Actuary, Lincoln Income Life Ins . Co., 1969
Louisville, Ky . 40201REA, EVERETT A. . A . S, A , Principal, Peat, Marwick . Mitchell & Co., 1966
601 California St ., San Francisco, Calif, 94108READE, DAVID M, , F, S A, , F C .I . A . . F. C. A . . Senior Vice-President, Kwasha *1965
Lipton Inc ., 429 Sylvan Ave . , Englewood Cliffs, N . J . 07632REACH, IIUSSELL R . F . C . A , 2340 Silver Palin Rd ., W. , Boca Raton. *1965
Fla. 33432REAVILL, ALBERT E. , JR, F, S. A. , Vice-President, Connecticut Mutual *1965
Life Ins. Co., Hartford, Conn, 06115RECK, STRPIIEN L. , F . S. A. , Actuary, American Mutual Life Ins . Cu., 1973
Des Moines, Iowa 50307RECORD, HORACE A, , F S, A , Assistant Actuary, Union Mutual Life Ins, Co., *1965
Portland, Maine 04112REDDINGTON, ROBERT F ., A. S. A , Assistant Actuary, American Telephone 1972
& Telegraph Co., 195 Broadway, New York, N. Y. 10007REED, ALAN L, , JR , F . S. A . , Vice-President, Stone, Young & Cu., 1969
546 Valley W ., Upper Montclair , N . J. 07043REED, DAVID S ., F, S A, , Vice-President, Corporate Development, Aetna Life +1965
& Casualty, Hartford, Conn . 06115REED, EDITH T, (Miss ), M . C . A ., Staff Actuary, George B . Buck Consulting 1966
Actuaries, Inc„ Two Pennsylvania Plaza, New York, N, Y . 10001
REED, OWEN A., F, 5 . A, , F . C I. A., Actuarial Vice-President, Group, 1968Sun Life Assur. Co. of Canada. Montreal, Quebec H3C 3C5
REEDER, HOWARD C, , F . S . A , 1125 Sheridan Rd ., Wilmette, Ill. 60091 *1965
REEDER. JAMES D , F. F A A , #2 Colonial Ct . . LB, Webster Groves, 41965
Mo. 63119REEDER, MARIE H, (Mrs.), 2010 Maplewood Ave., Abington, Pa. 19001 1966REEDER. W. RODMAN, A S A, , Agency Assistant , Penn Mutual Life Ins CA ., 1966
Philadelphia, Pa . 19172REES, JOHN A., JR. , Ethyl Curp . . P.O. Box 81, Richmond, Va. 23201 1969
REEVES, WILLIAM E . , A, S, A, , Assistant Actuary, Mutual Benefit Life Ins . Co., 1971Newark, N. J. 07101
REHAK, VIRGIL L, , F. S . A ., F. C I . A. , Actuary, Continental Life & Accident, 1966
Boise, Idaho 83701REICH, FELICITAS (Miss), F S. A., Assistant Actuary, Equitable Life Assur . *1965
Soc., New York, N. Y. 10019REICH, SHELDON, F S A , Actuarial Associate, Metropolitan Life Ins . Cu., 1966
New York, N, Y. 10010REID, DONALD H. , F . S A , F, C, I . A, , Manager, Towers, Perrin, Forster & 1966
Crosby (Canada), Ltd ., 1111 Hastings St., Vancouver, British ColumbiaV6F 2J3
REIFENBERGER, WILLIAM J , F . S. A , Associate Actuary, Mutual Benefit 1973Life Ins . Cc,, Newark, N . J . 07101
REILLY. A. WENDELL, Assistant Actuary, Fireman's Fund American Ins . Cos., 1970San Francisco, Calif. 94120
REILLY, FRANCIS V . , Special Assistant, Federal Insurance Administration, 1967Dept, of Housing and Urban Development, Washington, D, C . 20410
REILLY. G. EMERSON, A. S A , 280 E . Dunedin Rd ., Columbus, Ohio 43214 1966REIMER, JOHN R., F S. A , F C, A, , Coopers & Lybrand, 2200 First National 41965
Bank Tower, Atlanta, Ga . 30309REIMFRT, WILLIAM A., F. S. A ., Actuarial Associate, Huggins & Co . , Inc. , 1974
1401 Walnut St ., Philadelphia, Pa . 19102REINBOLT. JAMES B , A . C A, S. , Vice-President, Actuary, State Farm Fire 1967
& Casualty Co ., Bloomington, Ill . 01701
Members 97
EnrolledFEINER, JACK G., Assistant Vice-President and Chief Actuary, American 1972
Fidelity Ins, Co, , Oklahoma City, Okla . 73125REINHARDT. THOMAS E., A. S. A ., Actuary, Academy Insurance Group, 1966
Valley Forge, Pa. 19482REISKYTL, JAMES F. , F, S. A. , Associate Actuary, Northwestern Mutual 1970
Life Ins. Co., Milwaukee, Wis. 53202REPP, FRANK D . , JR. , A. S . A ., F, C . A. , Vice-President and Actuary, 1970
S. M. Hyman Company, 300 N . Charles St ., Baltimore, Md. 21201RESONY, ALLIE V., F C. A S , Assistant Secretary, Hartford Accident & *1965
Indemnity Co., Hartford, Conn. 06115RESONY, JOHN A. , F, C, A, S., Senior Vice-President, Travelers Ins, Co ., +1965
Hartford, Conn. 06115RETTERATH, RONALD, F. C . A . S , Assistant Actuary, Employers Ins. of 1975
Wausau, Wausau, Wis. 54401REUTER, ROBERT E. , F. S, A . , A. F, A . A. , Vice-President, Research and 1966
Development, Lutheran Brotherhood, Minneapolis, Minn. 55402REYNOLDS, ERNEST L , A. S . A , Independent Life & Accident Ins . Co. , 1969
Jacksonville, Fla, 32276REYNOLDS, GEORGE A. , F . S A, , F, C. I, A, , Executive Officer (Group *1965
Pension Operations), Mutual Life Assur. Co, of Canada, Waterloo,Ontario N2J 4C5
REYNOLDS, WALTER L., F. S A . . 16410 Caminito Vecinos, San Diego, "1965Calif . 92128
RHOLL, DONALD A. , Office Manager, Administration, Milkman & Robertson, 1967Inc ., 200 Executive Dr., Brookfield, Wis . 53226
RICCARDO, JOSEPH F, , JR, , F. C . A. S. , Auditor, Aetna Life & Casualty, 1967Hartford, Conn. 06116
RICCIARDELLI, CARMINE F, , A . S. A. , Vice-President, Life Div., Mutual 1966Service Life Ins. Co., St . Paul, Minn . 55104
RICE, FRANK H . , F, S, A., Director of Administrative Services , Northwestern *1965Mutual Life Ins. Co., Milwaukee, Wis . 53202
RICH, MICHAEL J. . F . S . A. , Assistant Actuary, John Hancock Mutual Life 1973Ins . Co., Boston, Mass, 02117
RICHARDS, ALAN, F . S. A ., President, California Windsor Co ., San Francisco, 1966Calif . 94111
RICHARDS, HARRY R ., F . C . A, S. , National Council on Compensation Ins ., *1965New York, N. Y, 10017
RICHARDSON, CHARLES F B., F . S. A, , Chief Actuary, State of Tennessee 41965Ins . Dept., 114 State Office Bldg, , Nashville, Tenn . 37219
RICHARDSON, JAMES F . , F, C . A . S. , Actuary, Hanover Ins . Cos., Worcester, 1970Mass. 01605
RICHARDSON, J, LECIL, JR . A. C . A. , Consulting Actuary, 109 Sun Valley 1966Rd., Little Rock, Ark . 72205
RICHARDSON, ROBERT F., A . S. A ., Actuary, Marsh & McLennan, Inc. of 1974Wash., Norton Bldg ., Seattle, Wash, 98008
RICHARDSON, WALKERS., Vice-President, Liberty Mutual Ins . Co., 1967Boston, Mass, 02117
RICHHART. JAMES W. . F S. A, , Assistant Actuary, John Hancock Mutual Life 1972Ins. Co . . Boston, Mass. 02117
RICHMOND. GERALD, F S. A. , Associate Group Actuary, New England Mutual 1972Life Ins . Co., Boston, Mass. 02117
RICHMOND, OWEN D , A . C . A, S, . Accounting Vice-President, Business Men's 1966Assur. Co., Kansas City, Mo. 64141
RICHTER, ANTHONY B. , F. S A. , Actuary, New York Life Ins . Co., 1966New York, N. Y. 10010
RICKARDS, CHARLES E . , F, S. A , Consulting Actuary, 555 Hansell Rd., *1965Wynnewood, Pa . 19096
RICKERS, FREDERICK R , F . S. A. , Vice-President and Actuary, Woodmen 1971Accident & Life Co ., Lincoln, Nebr. 68508
RIDDLESWORTH, WILLIAM A , F C . A, S. , Associate Actuary, Aetna Life *1965& Casualty, Hartford, Conn. 06115
PIE BOLD, MARY S . (Mrs.), F, S, A . , Assistant Vice-President, William M. 1974Mercer Inc ., 515 Olive St ., St. Louis, Mo. 63101
RIES, HENRY F. . F, C. A . , A . F A. A. , 737 Franklin St ., Denver, Colo. 80218 41965
98 Members
EnrolledRIGEL, J REUBEN , F, S . A . , Vice - President and Actuary, Powers, Carpenter 1975
& Hall, Inc ., 7701 Forsyth Blvd., St . Louis , Mo, 63105RIGGS, JAMES H. , F . S. A, , Associate Actuary, Milliman & Robertson , Inc . , 1970
914 Second Ave ., Seattle , Wash. 98104RILEY, C. RONALD , F . S, A. , Assistant Vice-President and Assistant Actuary, 1970
Metropolitan Property & Life Ins . Co., Warwick, R, I. 02886RIMMER RONALD W. , F . S. A. , A ssociate Actuary, Jefferson Standard Life 1970
Ins . Co., Greensboro , N. C . 27420RINEHART , CHARLE
Actuary, FiremaS R., F Cn's Fund,
. A S., Assistant Vice-President and AssistantAmerican Ins. Co. , San Francisco , Calif. 94119
1975
RINK, RICHARD G. , F. S. A , Vice -President and Actuary , Midland Mutual 1966Life Ins . Co ., Columbus , Ohio 43215
RIPANDELLI , JOHN S . , F . C A . , A . C . A . S, , A. F. A. A , Actuary and Pension *1965Consultant, P . 0, Box 3552, Tallahassee , Fla, .72303
RIPPS , JAY C. , F. S. A. , Actu ary, Group Div., Aetna Life & Casualty, 1972Hartford , Conn . 06115
RISBERG, DONALD F , F. S A , Johnson & Higgins , Three Girard Plaza . *1965Philadelphia , Pa . 19103
RISEN, MICHAEL H. , F . S . A. , A C A. , Consulting Actuary, Rt . 1, Box 476 A, 1969Green Ln . . Pa. 18054
RISTAU, MICHAEL R , F S. A. , Second Vice -President and Group Actuary, 1973Monumental Life Ins . Co., Baltimore , Md. 21202
RITTER, JOSEPH G.76036T
, 107 Madonna Cir., St. Francis Village, Crowley, 1967exas
RITTER, SHIRLEY S. (Mrs . ), A . C . A., Senior Vice - President , A. M. Kunis 1966& Co., Inc ., 184 Grand Ave ., Englewood , N . J . 07631
ROBB, STEPHEN A ., F. S, A , George V Stenne,, & Assuc ., 2850 Metro Dr., 1974Bloomington , Minn. 55420
ROBBINS, EDWARD L, , F . S. A. , Second Vice -President and Actuary, 1971International Operations , Pan-American Life Ins . Co., New Orleans,La, 70119
ROBBINS, LILLIAN ( Miss ), 11 Worthington Rd., Brookline , Mass. 02146 1967ROBERTS, HENRY R , F. S. A ., President, Connecticut General Life Ins . Co ., *1965
Hartford , Conn . 06152ROBERTS, JACK W., F S. A ., F . C. I . A, , Vice-President and Director of 1966
Group Insurance, Crown Life Ins. Co ., Toronto, Ontario M4W 1138ROBERTS. JOHN C , A . S . A, , F, C I A, , Partner, Hewitt Associates, 1966
102 Wilmot Rd ., Deerfield . Ill . 60015ROBERTS, JOHN K, , F, S A ., Senior Vice - President , Corporate Services, *1965
Pan-American Life Ins , Co„ New Orleans , La. 70119ROBERTS, LEWIS H. , F . C . A. S ., Vice-President and Manager, Woodward & *1965
Fondiller, Inc ., 730 Fifth Ave ., New York, N. Y. 10019ROBERTS, MAURICE B. , A . C. A. , 2817 Cabot Pl., El Paso , Texas 79925 1966ROBERTS, WAYNE V. , F. S. A. . Assistant Actuary, Standard Ins . Co., 1969
Portland , Oreg. 97207ROBERTS, WILLIAM
Peat, Marwick ,P., JR, ,
Mitchell &A, S . A ., Director , Central Actuarial Dept .,Co, , 1500 Walnut St., Philadelphia , Pa. 19102
1970
ROBERTSON , A. HAEWORTH , F . S . A . , Chief Actuary , U S Social Security *1965Administration, Suite 700 , Altmeyer Bldg ., 6401 Security BlvdBaltimore, Md . 21235
ROBERTSON, ALEXAand Chief Actuary
NDER C, Sun Life
M ., A . S. A, , F. C, I, A. . Senior Vice - PresidentAssur. Co. of Canada, Montreal , Quebec
1968
H3C 3G5ROBERTSON , DONALD J , , A . S. A . , A . C . I, A ., Associate Actuary , Commercial 1966
Union Assur . Co. , Boston , Mass. 02108ROBERTSON , RICHARD S., F S A. , Vice - President , Lincoln National 1971
Corporation , Fort Wayne , Ind. 46801ROBERTSON , STUAR
Robertson , Inc.,T A, F . S914 Secon
. A., F. C. A. . Consulting Actuary, Milliman &d Ave . , Seattle, Wash. 98104
*1965
ROBINSON. JOHN T . , F. S. A. , Associate Actuary , Southern Farm Bureau 1973Life Ins . Co. , Jackson , Miss. 39205
ROBINSON. LARRY R. , F S A. , Vice - President and Actuary , State Life 1966Ins . Co . , Indiana polis , Ind . 46204
ROBINSON , LESLIE I. , A. S. A, , Consulting Actuary, 728 S . Main , Ann Arbor, 1970Mich. 48104
Members 99
EnrolledROBINSON, PAUL D., Vice -President and Actuary. Pension Planning Co., Inc., 1968
355 Lexington Ave ., New York, N. Y. 10017ROBINSON , RICHARD E ., F . C . A., Robinson Associates , 139 Pelham Island Rd., 1966
Wayland, Mass. 01778ROBINSON , ROBERT P., F . S. A. , Assistant Vice-President and Associate *1965
Actuary, Kansas City Life Ins . Co., Kansas City, Mo. 64141ROBINSON. WILLIAM IL, A. C . A . , Security Ins, Services , Inc ., 4414 N . 19th Ave., 1966
Phoenix, Ariz . 85015ROBOTKA, ROBERT G. , A. S . A. , Consulting Actuary, P . O. Box 816 , Willcox, 1966
Ariz. 85643ROBST , CARL D ., M. C . A ., A . S . Hansen, Inc ., 1080 Green Bay Rd .. 1966
Lake Bluff, Ill . 60044ROBY , ALLAN B, , JR. , F S. A. , Secretary , Connecticut General Life Ins . Co., *1965
Hartford , Conn. 06152ROCCAS , GEORGE J. , F . S. A. , Towers, Perrin, Forster & Crosby, 90 Park Ave ., 1971
New York, N. Y. 10016RODE, ERWIN A., F. S . A., Vice-President and Associate Actuary, Prudential *1965
Ins. Co., Newark, N. J. 07101RODERMUND, MATTHEW. F . C . A. S, , Vice-President and Actuary, Munich *1965
Reins . Co., New York, N. Y. 10022RODRIGUEZ, AUGUSTO A. , A. C . A , Vice-President and Actuary , Pension 1966
Consultants , Inc ., 11955 W. Dixie Hwy ., Miami, Fla, 33161ROE, ARMIN S. , F . C . A. , Consulting Actuary, Roe & Co, , 920 N, Fairview Ave ., 1970
Lansing, Mich. 48912ROEDER, RICHARD G., F F A. A. , A. C . A ., Actuary, Gabriel , Roeder, Smith *1965
& Co., First National Bldg., Detroit, Mich. 48226ROENIGK, ROBERT G . , F. C. A. , Manager , The Wyatt Co., 6610 Harwin Dr., 1966
Houston, Texas 77036ROENISCH , DAVIS H., F. S . A. , Actuary . Compensation & Capital, Inc, , *1965
125 S. Wacker , Chicago, Ill . 60606ROF.SER, KIRK , F. S . A., Assistant Vice -President, Mutual of New York, 1971
New York, N. Y. 10019ROHDA, RODNEY R., F . S. A ., Vice -President and Actuary , Mutual Benefit Life 1971
Ins . Co ., Newark, N. J, 07101ROHLFS, A. FREDERICK, JR. , A. S, A, , M, C . A ., Principal , Coopers & 1968
Lybrand , 1251 Avenue of the Americas . New York, N . Y. 10020ROHLING, FRED H. , 5531 Chadwick Rd,, Shawnee Mission , Kans. 66205 1966ROHM, CHARLES E ., F S. A ., Vice -President and Actuary, Bankers Life *1965
Co., Des Moines , Iowa 50307ROHRKEMPER, PAUL H., F . S. A ., Actuary, Connecticut General Life Ins . Co., 1975
Hartford, Conn. 06152ROLLAND. IAN M., F, S . A , Senior Vice-President , Lincoln National Life *1965
Ins. Co., Fort Wayne, Ind . 46802ROLLERSON , LLOYD G, , F. S . A . , F. C . I, A, , Senior Group Vice -President, 1966
Crown Life Ins . Co., Toronto , Ontario M4W 1B8ROLLIER. JACK A., A. S. A ., Assistant Vice - President and Group Actuary, 1973
Southland Life Ins . Co., Dallas, Texas 75221ROMEO, JOSEPH T., A, F, A, A. . Actuarial Aide, Locomotive Engineers Mutual 1966
Life & Accident Ins, Assn., 1048 Engineers Bldg., Cleveland , Ohio 44114ROMMEL, JOHN D., JR, F . S. A ., Vice -President and Senior Actuary, State *1965
Mutual Life Assur . Co . , Worcester , Mass. 01605ROOD, HENRY F . . F. S . A. , A. C. A . S., ( Past President), 5505 Old Mill Rd., *1965
Fort Wayne, Ind . 46807ROSE , BEVERLY S. (Mrs.), F . S . A ., Vice-President and Associate Group Actuary, 1973
American National Ins . Co., Galveston, Texas 77550ROSENBERG , ISAAC, F, S . A. . Associate Actuary. Great -West Life Assur. Co, , 1974
Winnipeg , Manitoba R3C 3A5ROSENBERG , NORMAN, F . C. A, S ., Vice - President and Actuary, Farmers Ins. *1965
Group, Los Angeles, Calif. 90051ROSENBLOOM SAMUEL , F . S, A. , F . C , A., Consulting Actuary, 7400 Washington *1965
Ave., St . Louis, Mo. 63130ROSENFELDER, MICHAEL, F . C . I . A. , A . S. A., Corporate Vice-President, 1970
Actuarial , Statements and Taxation , Confederation Life Ins . Co,Toronto 285 , Ontario
ROSENTHAL , IRVING, F. S. A . , 3850 Sedwick Ave ., Bronx , N. Y. 10463 *1965
100 Members
EnrolledROSENTHAL , SAUL , F, S. A ., Senior Vice -President and Actuary, Beneficial *1965
National Life Ins, Cu ., New York, N. Y. 10016ROSHOLT, LE14NIAN M . , F . F. A . A, , 1153 Archer St. , San Diego , Calif . 92109 *1965ROSINI . HAROLD L , A, S . A. . Senior Research Associate, Metropolitan Life 1966
Ins. Co., New York, N. Y. 10010ROSKY, THEODORE S. , F S. A. , Vice-President , Connecticut General Life *1965
Ins . Co. . Hartford , Conn. 06152ROSS , E. CHADWICK, A. S. A. . M . C . A , Consulting Actuary, George B. Buck 1971
Consulting Actuaries , Inc., Two Pennsylvania Plaza, New York, N. Y. 10001ROSS , GORDON C . , A S A. , Consulting Actuary, Coates & Crawford , Inc., 1975
44 Montgomery St ., San Francisco , Calif. 94104ROSS, JAMES B, , F, S. A., Senior Vice - President, Metropolitan Life Ins . Co., *1965
Now York, N . Y. 10010ROSS , JAMES P . , F. C . A S , Vice - President and Actuary, Argonaut Ins. Co., 1974
Menlo Park, Calif . 94025ROSS, JOHN W. , Director of Technical Marketing , Equimatics. Inc ., 1025 Elm St . , 1968
Dallas , Texas 75202ROSS , KENNETH H. . F . S . A, . F . C A, , F C, 1. A. , (Vice -President ), Chairman, *1965
Huggins & Co ., Inc ., 1401 Walnut St ., Philadelphia , Pa. 19102ROSSER, HARWOOD, F. S. A, , A . C . A . S ., Actuarial Consultant , OEBS U, S, *1965
Labor Dept . , 200 Constitution Ave ., Washington, D. C. 20216ROSSMAN, STANLEY B , F. S . A ., Actuary, The Wyatt Co ., 21241 Ventura Blvd., 1975
Woodland Hills, Calif, 91364ROTH, IRVING G. . F, S A., 4001 S , Ocean Dr., Hollywood , Fla . 33019 *1965ROTH, LEWIS P. , F. S. A . . Vice - President , Financial Services . Mutual of 1968
New York, New York , N, Y. 10019ROTH , RICHARD J., F. C . A S , Vice-President and Actuary, CNA Ins., 1966
Chicago, 111 . 60685ROTH, WILLIAM M., F. S, A. , Second Vice - President, Group Life and Health, *1965
Phoenix Mutual Life Ins . Co., Hartford , Conn. 06115ROTHMEYER, WAYNE A. , F S. A. , SAFECO Life Ins . Co . , Seattle, Wash . 98185 1971ROTHSCHILD , KENNETH A , F S A , Senior Insurance Specialist, IBM Corp., 1972
P.O. Box 76888 , Los Angeles , Calif . 90076ROTTER, PAUL T, , F. S, A. , Executive Vice -President , Mutual Benefit Life *1965
Ins. Co ., Newark , N . J . 07101ROUFFA, ROBERT S. , F S. A, , Vice - President and Actuary, Home Life *1965
Ins, Co., New York, N. Y. 10007ROWELL, JOHN H, , F. C. A , S. , Account Executive and Vice-President , Frank D. *1965
Hall & Co., 230 W. Monroe . Chicago , 111 . 60606ROWLAND, JACK L ., A. S . A . , Second Vice -President, Underwriting, Mutual 1966
Benefit Life Ins . Co., Newark , N, J. 07101ROYER, ALAN F , , A. C . A. S , Associate Actuary, Dept . of Ins ., State of 1971
New Jersey , Trenton, N . J . 08625ROZIER, WILLIAM M., Principal Actuary , New York City Employees Retirement 1967
System, 40 Worth St ., New York, N. Y. 10013RUBIE, JAMES S . . JR, , F , S. A. . Consulting Actuary, Nelson & Warren, Inc., 1975
222 S. Central Ave ., St . Louis, Mo. 63105RUBIN, ETHEL CENSOR (Mrs .), A . S.A., Actuary , U . S. Civil Service 1966
Commission , 1900 E St. , N . W, , Washington, D, C. 20415RUBINSTEIN, SEYMOUR, F S. A , Consulting Actuary, Alexander & Alexander, 1966
Inc ., 1185 Avenue of the Americas , New York, N . Y. 10036RUBINSTEIN, STUART F ., F S A , Asst . Actuary Group, Loyal Protective Life 1975
Ins . Co ., Boston, Mass. 02215RUBSAM , JOSEPH L . , F, S A., Actuary , Metropolitan Life Ins . Co ., New York, *1965
N. Y. 10010RUCHLIS, ELSIE (Mrs .), F . C. A S , Hickory Hill, Kerhonkson , N. Y. 12446 *1965RUCK, HAROLD E, , F. S. A. . Vice - President and Actuary , Volunteer State Life *1965
Ins . Co . , Chattanooga , Tenn. 37401RUDD, JOHN S, , JB, , F, C . A., Consulting Actuary , Rudd & Widsom , 1104 Perry- *1965
Brooks Bldg ., Austin, Texas 78701RUDDOCK. JOHN Y, , 401 Metairie Rd ., Metairie , La, 70005 *1965RUDDUCK, GEORGE A. , F. S. A . , Vice-President and Actuary , Booke & Co., 1971
710 Coliseum Dr ., Winston - Salem, N . C. 27102RUDZINSKI , EDWARD J., A. S . A ., M . C . A., Assistant Vice-President , Alexander 1969
& Alexander, Inc ., 201 N. Charles St ., Baltimore, Md. 21201
Members 101
EnrolledRUGGER, GERALD K., F. S . A . , President, Home Life Ins . Co., New York, *1965
N. Y. 10007RUGLAND, WALTER L ., F. S. A. , F .F. A. A., (Past President), Chairman, *1965
Board of Directors, Aid Association for Lutherans, Appleton, Wis . 59411RUGLANTI, WALTER S ., F . S. A., A . F . A. A., A, C. A. , (Secretary), Consulting 1968
Actuary, Milliman & Robertson, Inc„ 120 S . La Salle, Chicago, Ill . 60603RUNNING, ROLF H. , F . S, A., Lutheran Brotherhood, Minneapolis, Minn. 55402 1975RUPERT, WALTER J. , F . S, A ., Dcllwood, White Bear Lake, Minn. 55110 *1965RUPP, LAWRENCE J. , F . S. A., Vice-President and Chief Actuary, CUNA 1966
Mutual Ins, Society, Madison, Wis . 53705RYAN, JOHN F . , F . S . A ., Senior Vice-President in Charge of Group Insurance, *1965
New York Life Ins. Co., New York, N. Y, 10010RYAN, KEVIN M. , F . C . A. S , Regional Vice-President, Insurance Services 1970
Ottice, Philadelphia, Pa. 19106RYAN, ROBERT P, . F. S. A. , Vice-President and Actuary, Boston Mutual 1972
Life Ins. Co., Canton, Mass . 02021RYAN, ROBERT W. , F S A ., Senior Vice-President and Actuary, Peninsular 1969
Life Ins . Co., Jacksonville, Fla. 32203RYAN, RONALD E. , F, S. A. , F, C . I. A, , Vice-President, Actuary, North *1965
American Life & Casualty Co ., Minneapolis, Minn . 55403RYDER, ROBERT W, , A, S. A , Vice-President and Actuary, Stone, Young & Co ., 1968
546 Valley Rd ., Upper Montclair. N. J. 07043
SAARET, KARL, P. O . Box 144, Highland Lakes . N. J. 07422 *1965SAARLOOS, GEORGE L, , M, C . A, , A, F, A, A, , Life Actuary, State of Minnesota, 1969
Ins . Div ., Metro Square Bldg., St. Paul, Minn. 55101SACHS, DAVID S., F. S A ., Assistant Actuary, The Baltimore Life Ins . Co., 1974
Baltimore, Md . 21201SAFFEIR, HARVEY J. , F . S A ., Senior Vice-President, Travelers Ins . Co., *1965
Hartford, Corm, 06115SAFFERT, ARTHUR W, , Vice-President and Actuary, National Producers Life 1967
Ins . Co., Phoenix, Ariz. 85011SAKAGUCHT, IQYOFUMU, F, S . A., Actuary for Japan Occidental Life Ins . Co. 1975
of California, Los Angeles . Calif. 90051SAKSENA, GAJRAJ BAHADUR, F . S. A, , President, The Saks Co. , 1966
3757 Macbeth Dr ., San Jose, Calif . 95127SALZMANN, RUTH E . (Miss), F, C, A . S, , Vice-President and Actuary, Sentry #1965
Ins . Co., Stevens Point, Wis . 54481SANDERS, DOUGLAS O. , JR, F, S . A. , Chief Actuary and Vice-President, 1973
Gamble-Alden Life Ins . Co., Minneapolis, Minn. 55440SANDLER, ROBERT M . , A, C . A. S ., Assistant Vice-President and Actuary, 1971
Home/National Union Groups, AIG, New York, N. Y. 10005SANN, BRIAN S. , F, S. A. , Conrad M . Siegel, Inc, , 3820 Walnut St., 1975
Harrisburg, Pa. 17109SANNING, DONALD E ., F . S. A., Associate Actuary, Bankers Life Co., 1971
Des Moines, Iowa 50307SAPORA, JOSEPH K. , F S. A. , Assistant Vice-President and Actuary, Marsh 1975
& McLennan, Inc ., 1221 Avenue of the Americas, New York, N . Y. 10020SARGENT, GARY N . . F. S. A., Associate Actuary, New England Mutual Life 1973
Ins. Co., Boston, Mass . 02117SARNOFF, PAUL E ., F. S. A , A . C . A. S ., Vice-President and Associate Actuary, *1965
Prudential Ins . Co., Newark, N, J . 07101SARTAIN, JAMES H., F, S, A., Senior Vice-President and Actuary, Mutual 1970
Trust Life Ins . Co., Oak Brook, Ill . 60521SAULON. JOSEPH F. , A . S. A . , F . C, A. , Vice-President and Consulting Actuary, *1965
Marsh & McLennan, Inc., 1515 Northwestern Bank Bldg ., Minneapolis,Minn. 55402
SAVASTA, ANTHONY J. , A . S. A. , President, A . J . Savasta, Inc., 150 Broad 1968Hollow Rd ., Melville, N, Y. 11746
SAVASTA, NEIL J., A, S . A., Savasta & Company, Inc ., 10 E. 40th St., 1966New York, N. Y, 10016
SAWYER, JOSHUA S. , III, A. C . A, S ., Assistant Vice-President and Associate 1971Actuary, Fireman's Fund American Ins . Cos., San Francisco, Calif. 94119
102 Members
EnrolledSAWYER, OLIN M . . F. S. A, , Assistant Actuary, Union Mutual Life Ins . Co ., 1969
Portland, Maine 04112SCAMMON . LAWRENCE W., A . C . A . S ., 39 Hilltop PI ., New London , N. H . 03257 1967SCARLETT , DAVID E . , F . S. A., Vice-President and Actuary, Massachusetts 1972
Indemnity & Life Ins . Co ., Hyannis, Mass . 02601SCHADT , EDWARD F ., A. S. A. , Annuity and Pension Consultant, Metropolitan 1971
Life Ins . Co., New York, N. Y. 10010SCHALLER -KELLY , CHARLES V., A. S. A. , A. C. I . A . . Associate Actuary . Alcan 1969
Fiduciaries , One Place Ville Marie , Montreal , Quebec H3C 3H2
SCHAUER, FRANCIS M . , JR. . F. S. A. . Actuary, The Watt Co ., 19731629 K St., N . W. , Washington, D . C. 20006
SCHAUMANN , GEORGE R, , A . S. A., A. F A . A., Vice - President , CPS Actuaries, 1966
1014 Hope St., Stamford , Conn. 06907SCHEEL , PAUL J . , F . C. A. S. . Vice-President and Senior Actuary, United States
Fidelity & Guaranty Ca ., Baltimore , Md. 212031968
SCHEIBL, JEROME A , F, C . A . S. . Vice - President, Employers Ins . of Wausau,Wausau, Wis. 54401
1966
SCHEID , ,TAMES E . , F. C . A. S. , Actuary , Hartford Ins , Group, Hartford, 1966Conn. 06115
SCHEIG, HENRY F . , F . S. A. , F . F, A . A , President, Aid Association forLutherans, Appleton, Wis . 54911
*1965
SCHELLENBERG , GEORGE S , , Associate Actuary, Family Life Ins . Co.,Seattle . Wash. 98101
1969
SCHELLPEPER , GENE H. , F. S . A. , Associate Actuary, Western & SouthernLife Ins . Co., Cincinnati, Ohio 45202
1971
SCHENKEL , JAMES M., F S. A., Second Vice -President and Actuary, Home LifeIns, Co., New York, N. Y. 10007
*1965
SCHER, EDWARD . F, S, A, , Actuary, New York Life Ins . Co ., New York, 41965N. Y. 10010
SCHER, JERROLD R,, F . S . A ., Actuarial Associate , Metropolitan Life Ins . Co .,New York, N . Y. 10010
1971
SCIIERMANN, HARRIS, A . S. A., F, C . I . A ., Actuarial Vice-President , CanadaLife Assur. Co., Toronto. Ontario M5G 1R8
1966
SCHIFF , LAWRENCE R. , A. S A., A. C . A . . Consulting Actuary,Lawrence R. Schiff Associates , Inc ., 70- 49 Austin St ., Forest Hills,
1966
N. Y. 11375SCHIMPFF, M . CURTIS , F . C. A . , Box 458K, Rt, 3, Timucua St . , Crystal
River, Fla. 32629*1965
SCHLAGHTER , GERTRUDE A. (Miss), F .S.A., Senior Vice - President , ColonialLife Ins . Co., East Orange , N. J. 07019
*1965
SCHLAGETER . FRANK W. , A S. A., Manager , Group Pension Actuarial Dept .,Mutual Benefit Life Ins . Co., Newark, N. J. 07101
*1965
SCHLAUG, OWEN C., JR., A , S. A, , F, C . A. , The Wyatt Co., One FirstNational Plaza, Chicago, Ill . 60603
1968
SCHLEH , LAUREN W. , Secretary - Treasurer and Actuary , L .E . & C, M, P .A ., 19671100 Mutual Bldg . , Detroit, Mich . 48226
SCHLENZ, JOHN W., A . C . A. S. , A, C, A , Senior Vice - President , Actuarial . 1967NARe Life Service Ca ., Palo Alto, Calif. 94304
SCHLOSS. EUGENE , A. S. A., M C , A. , Consulting Actuary, 2631 Merrick Rd., 1970Bellmore , N. Y. 11710
SCHLOSS, HAROLD W. , F . C . A. S., Executive Vice - President , Royal-Globe *1965Ins . Cos ., New York, N . Y. 10038
SCHMIDT, WILLIAM IT. , F . S , A . , Associate Professor, Dept . of Ins ., Georgia *1965State University , Atlanta, Ga . 30303
SCHMIER, ABRAM, M. C . A. , Senior Consultant and Actuary , Consulting 1971Actuaries Inc ., 1200 Pt , 46, Clifton , N . J . 07013
SCHMIT, HERMAN H. , F . S . A, , Vice -President, General Reassur . Corp.. 1968Greenwich, Conn. 06830
SCHNAER, WILLIAM J ., F. S A, , Actuary, USAA Life Ins . Co ., San Antonio, 1973Texas 78288
SCHNEIDER, F. RUSSELL , F . S. A., Senior Vice-President , Connecticut *1965
General Life Ins . Co . , Hartford , Conn. 06152SCHNEIDER , WILLIAM G., F. S. A. , Senior Vice-President , Bankers Life Co ., *1965
Des Moines , Iowa 50307
Members 103
EnrolledSCHNEIKER, HENRY C ., A. C . A. S ., Secretary, Home Ins . Cu., New York, 1966
N. Y. 10008SCHNELLE, CHARLES S, , F, S. A, 32 Easton Rd ., Westport, Corm. 06880 +1965SCHNITZER, ROBERT J . , F. S. A. . Consulting Actuary, Olanie, Hurst & 1973
Hemrich, 3250 Wilshire Blvd . , Los Angeles, Calif. 90010SCHOENER, PAUL H., F, S. A, , Assistant Actuary, Aetna Life & Casualty, 1969
Hartford, Conn. 06115SCIIOF, JOHN A., F. S. A . . Actuary, New York Life Ins . Cu., New York, 1966
N . Y. 10010SCHONENBERG, JOHN J , JR., A, C . A . . Actuary, Blue Cross & Blue Shield 1966
of Michigan, 600 Lafayette E ., Detroit, Mich . 48226SCHORR, PHILLIP A, , F, S, A, , Second Vire-President and Associate Actuary, 1969
General American Life Ins . Co ., St . Louis, Mo. 63103SCHREEBER, JONAS J., F. C. A. , Consulting Actuary, Actuarial Services, Inc., *1965
1640 Vaux Hall Rd ., Union, N. J. 07083SCHROEDER, WILLIAM, F . S . A. . Assistant Vice-President, Mutual of New York, 1968
New York, N. Y. 10019SCHREITMUELLER, RICHARD G , F, S . A , F, C, A., Actuary, The Wyatt Co ., *1965
1629 K St., N, W . , Washington, D, C . 20006SCHROEDER, WILLIAM E , A S. A. . Assistant Vice- President, William M, Mercer, 1975
515 Olive St ., St. Luuis, Mo. 63101SCHUETTE, DONALD R , A. S . A . , Professor, School of Business, University of 1970
Wisconsin, Madison, Wis. 53706SCHULER, ROBERT J, , r, C A, S, , Vice-President, Blue Cross of Western 1968
Pennsylvania, One Smithfield St ., Pittsburgh, Pa . 15222SCHULMAN. JUSTIN, A. C, A . S., Associate Actuary, State Ins . Fund, 1975
199 Church St, , Now York, N. Y. 10007SCHULTZ. ALAN O. , F, C . A. , Vice-President and Actuary, Professional 1966
Corporation Programs, Inc., 9100 Wilshire Blvd ., Beverly Hills, Calif. 90212SCHUMACHER, ROBERT C . , F S. A. , Vice-President, Carlin-Black Co., 1966
1930 Bishop Ln., Louisville, Ky. 40218SCHUTZ . JOHN A. , A. S A. , Assistant Actuary, Continental Assur Cu ., 1966
Chicago, 111 . 60685SCHWARTZ, ADOLPH F . . F. S. A. . 1104 Muhlenberg Ave ., Swarthmore, Pa, 19081 *1965SCHWARTZ. JESSE M. . F. S. A. , Assistant Actuary, Mutual of New York, 1972
New York, N. Y. 10019SCHWARTZ, JONATHAN, A. S A. , Chief Actuary, New York City Retirement 1972
Systems, 220 Church St., New York, N. Y. 10013SCHWARTZ, MAX J ., A. C . A . S., Chief, Accident & Health Rating Section, 1966
New York State Ins . Dept., Albany, N, Y, 12210SCHWARTZ. RICHARD A. . F . S. A , Actuary, New Products, Sun Life Ins . Co., 1975
Baltimore, Md, 21201SCHWARTZ, RICHARD T . F. S. A . , Consulting Actuary, 3713 Otter PI., *1965
Lynchburg, Va . 24503SCHWARZ. JOSEPH A , A S. A . , 14 Brower Ln,, Hempstead, N, Y . 11550 1966SCHWEIIIS, MATTIHAS S, , A, F, A, A, , Consulting Actuary, 1248 Belle Flower St ., 1966
Sarasota, Fla, 33580SCHWIEBERT. PAUL W. . 19001 Carson Dr ., El Paso, Texas 79927 1970SCOTT, BRIAN E, , F . C. A. S. , Director, Systems Dept., Aetna Life & Casualty, 1967
Hartford, Conn. 06115SCOTT, DAVID G, , F, S. A., Vice-Chairman of the Board, Norin Corp., 1965
12100 N.E. 16th Ave ., North Miami, Fla . 33160SCOTT, ELLIS W, , A . S. A . , Actuary, Social Security Admin ., HEW-North Bldg., 1969
Washington, D, C. 20201SCOTT, H. RANDOLPH, Vice-President, Secretary, Pilgrim Health & Life Ins . Co., 1967
Augusta, Ga, 30901SCOTT, JAMES E, , JR. , Assistant Secretary and Actuary, Reliance Standard 1970
Life Ins . Cu . . Philadelphia, Pa. 19103SCOTT, SANFORD W, , JR , F, S . A . . Senior Vice-President and Senior Actuary, *1965
Commercial Union Life Ins . Co, , Boston, Mass. 02108SCOTT, WILSON H . , F . S. A., F C. I . A, , Second Vice-President and Actuary, *l965
Massachusetts Mutual Life Ins, Co ., Springfield, Mass . 01111SEAGER, THEODORE D, , F, S. A, , Associate Actuary, John Hancock Mutual Life
Ins . Co., Boston, Mass. 02117*1965
104 Member i
EnrolledSEAL, HILARY L. . A. S. A. . F . C . 1. A., F. C . A. . Chairman, Seal & Lohse, Inc ., *1965
La Mottaz, 1143 Apples, SwitzerlandSEAMAN. JEROME F., A. S.A., Vice- President and Actuary, United Equitable 1972
Life Ins. Co ., Skokie, Ill . 60076SEARS, RICHARD C., F . S . A., F, C, A ., President, Benefit Service Divisions .
Kwasha Lipton Inc ., P.O . Box 1137, Englewood Cliffs, N . J . 07632SE BOLT. FRANK O, , A, S. A, , A, C . A, , Assistant Director, Travelers Ins, Co .,
*1965
1969Hartford, Conn . 06115
SECOR. DAVID B., F, S_ A, , Consulting Actuary, 42 Manor House Ct , Holyoke, 1971Mass. 01040
SEDLAK, STEPHEN A. J., F. S. A., Associate Actuary, Nationwide Life Ins. Cu., 1974Columbus, Ohio 43216
SEE, GARY N, , F . S . A. , Vice-President and Actuary, Washington National *1965Ins . Co., Evanston, Ill, 60201
SEGAL, DONALD J . , F . S. A., Assistant Vice-President and Associate Actuary, 1967Equitable Lite Assur . Sue ., New York, N. Y 10019
SELIG, GERALD W, , F. S, A . , Associate Actuary, Business Men's Assur. Co., 1974Kansas City, Mo. 64141
SELIG, JOHN G. , F, S A . , Actuary, Executive Systems, Inc ., Lawrenceville, *1965Ill . 62439
SELLARS, ANDREA T . , A . S. A ., Assistant Vice-President, Alexander & 1975Alexander, Inc ., Two Peachtree St ., N . W ., Atlanta, Ga . 30302
SELLERS, RICHARD M, , F. S, A, , Vice-Chairman, Commonwealth Life Ins . Co., *19G5Louisville, Ky. 40201
SELLES, ROBERT H. , F . S. A , A C . A., F. C . L A. , Vice-President, Huggins 1970& Co., Inc ., 1401 Walnut St., Philadelphia, Pa . 19102
SELLMAN, HENRY G. , A. S . A. , 117 W. Second Ave ., Monmouth, 111 . 61462 1966SELSER, DONALD R , F . S. A., Consulting Actuary, 7749 Saint Bernard St ., *1965
Playa del Rey, Calif. 90291SELTZER, FREDERIC, F. S . A, . Assistant Actuary. Metropolitan Life Ins . Co., *1965
New York, N. Y. 10010SELWOOD, ALEX E, , A, S A. . F C . A, , Consulting Actuary, 9501 W. Devon Ave., 1966
Rosemont, 111, 60018SENIOR, F, THOMAS, JR., F, S . A, , M. C. A, , Division Manager, Kwasha 1972
Lipton Inc ., 429 Sylvan Ave., Englewood Cliffs, N . J. 07632SEPARK, WHARTON G., JR , North Carolina Ins . Dept., Raleigh, N. C. 27602 1970SETER, CHARLES J , F, S A, , F, F, A . A, , District Representative, Aid *1965
Association for Lutherans . Appleton, Wis . 54952SEVILLA, EXEQUIEL S , A . C . A S. , Consultant, National Lite Ins, Co., 1967
P.O. Box 2056, Manila, Philippines 2804SEYMOUR, JOHN H. , A. S . A. , Director of Corporate Systems, Home Life 1966
Ins . Co., New York, N. Y. 10007SHALACK, THEODORE J, , F S. A. , Assistant Vice-President, Mutual Life 1974
Ins. Co., New York, N. Y. 10019SHALIT. CARL, A. S. A. , Associate Actuary, Commercial Union Assur . Co., 1970
Boston, Mass . 02108SHANK, HARLEY B, , A, C A, , Consulting Actuary, 7575 Cantrell Rd., 1966
t76, Little Rock, Ark, 72207SHANNON, AVON G, , JR., F. S, A ., F, C, A, , Actuary, The Wyatt Co., *1965
1629 K St., N, W. , Washington, D . C . 20006SHAPIRO, KENNETH P. , F S . A. , Vice-President, Huggins & Co ., Inc., 1974
1401 Walnut St ., Philadelphia, Pa, 19102SHAPIRO. ROBERT D., F. S . A., Consulting Actuary, Milliman & Robertson, Inc ., 1969
200 Executive Dr ., Brookfield, Wis, 53005SHAPLAND, ROBERT B, , F, S, A, , Second Vice-President and Associate Actuary, *1965
Mutual of Omaha Ins . Co., Omaha, Nebr. 68131SHARP, ANTHONY C . . F . S. A. . Consulting Actuary, P . O. Box 5144, Clinton, 1970
N. J. 08809SHARP, EVELYN DAVIS (Mrs ) , F C A . S , Partner, Woodward, Ryan, Sharp *1965
& Davis, 26 Broadway, New York, N. Y. 10004SHAW. HENRY D. . F . S . A. , Associate Actuary, John Hancock Mutual Life *1965
Ins . Co. . Boston, Mass. 02117SHAW, SAMUEL E . , II, F, S. A., Associate Group Actuary, John Hancock Mutual *l965
Life Ins . Co., Boston, Mass. 02117
Members 105
EnrolledSHEARER, JAMES L. , A. S, A. , Second Vice-President, Midwestern United 1966
Life, Fort Wayne, Ind . 46804SHELBY, THOMAS II . , III, A. S . A . , Consulting Actuary, 13619 Peyton Dr ., 1967
Dallas, Texas 75240SHELDON, CURTISS S. , A . S. A . , Assistant Vice- President and Associate Actuary, 1971
Liberty Life Ins . Co., Greenville , S. C. 29602SHELLY, GEORGE W, , F, S, A. , Vice-President and Actuary, Equitable Life *1965
Assur. Soc ., New York, N. Y. 10019SHELOR, MORGAN L. , F . S. A ., Vice-President and Actuary, Great Southern 1968
Life Ins . Co., Houston, Texas 77006SHEMIN. BARRY L. , F, S, A, , Associate Group Actuary, John Hancock Mutual 1972
Life Ins . Co . . Boston, Mass. 02117SHEPP, BRUCE N. , F . S . A, , Consulting Actuary, Peat, Marwick & Partners, 1974
10020 100th St. . Edmonton, Alberta T5J ON4SHERFEY, CHARLES J . , F . 5 A . , Consulting Actuary, A. S . Hansen, Inc ., 1967
150 N, Wacker Dr ., Chicago, 111 . 60606SHERRILL, THOMAS C. . Consulting Actuary . 3286 Spring Meadow Ct. , 1968
Tucker, Ga . 30084SHERRITT, GEORGE M . , F . S. A. , Executive Vice-President, Security Life & *1965
Accident Co., Denver . Culo . 80202SHERRON, W. FRED, A. S. A., Vice-President and Actuary, Home Beneficial 1971
Life Ins . Co, , Richmond, Va. 23230SHERRY, HAROLD R, , A S. A , Assistant Actuary, Insurance Systems of 1970
America, Inc., Box 47975, Atlanta, Ga . 30346SHIMA, RICHARD J. , A. S . A , Vice- President , The Travelers Ins . Co. , 1970
Hartford, Conn. 06115SHINKWIN, WILLIAM . F . S. A . . Manager of Tax Planning, Northwestern Mutual 1971
Life Ins . Co., Milwaukee, Wis . 53201SHOCKLEY, MARCOM H , 2109 Carroll Dr ., Waco, Texas 76708 1970SHOPE . R. WESLEY . A. S . A , President, Educators Mutual Life Ins. Co.. 1966
Lancaster, Pa. 17604SHOTWELL, STUART M. , F, S . A ., F C . I . A. . A. C . A . , Senior Vice-President, *1965
Group, Loyal Protective Life Ins . Co., Boston, Mass. 02215SHUR, WALTER, F . S, A, , Executive Vice-President, New York Life Ins . Co., *1965
New York, N. Y. 10010SHUTLEY, RONAL, A .S.A. , Tillinghast & Co., Inc., Tower Place, 1971
3340 Peachtree Rd., N E , Atlanta, Ga 30326SIBIGTROTH, JOSEPH C ., F . S. A. , Senior Vice-President and Chief Actuary, 41965
New York Life Ins . Cu., New York, N. Y. 10010SIEBEN. RICHARD B. . F. S . A. , Vice-President of Special Markets Division, 41965
Continental Assur. Co , Chicago, Hl. 60685SIEGEL, CONRAD M. , F, S, A , Consulting Actuary, Conrad M. Siegel, Inc., *1965
3820 Walnut St ., Harrisburg . Pa. 17109SIEGEL, HENRY, F . S . A . , Assistant Actuary, Equitable Life Assur . Sue., 1974
New York, N. Y. 10019SIEGELTUCH. NORMAN . F. C . A. , Vice- President and Actuary, Ain *1965
Associates, Inc . , 120 Broadway, New York, N, Y. 10005SIEGFRIED, CHARLES A, , F S . A, , 29 Hillcrest Rd ., Madison, N. J. 07940 *1965SILKES, LAWRENCE. F . S . A., Vice-President and Actuary, William Penn Life 1973
Ins . Co. of New York, Great Neck, N. Y. 11021SILLESKY, J. DARRISON, F. S A, , Vice-President and Group Insurance Actuary, *1965
John Hancock Mutual Life Ins . Cu . . Boston, 71ass . 02117SILLETTO, C. DAVID, F . S. A. . F . F . A. A. . Senior Vice-President, Lincoln *1965
National Life Ins . Co., Fort Wayne, Ind . 46801SILVA, GERALD, A. S A. , Consultant, Peat, Marwick, Mitchell & Co„ 1971
345 Park Ave ., New York, N. Y. 10003SILVERMAN. DAVID, F . C . A. S. , 27 W. 72nd St ., New York, N. Y. 10023 *1965SILVERMAN, MARTIN, M, C . A, , Actuarial Consultant and Department Head, 1970
Eugene M. Klein & Assoc., 1000 Superior Bldg. , Cleveland , Ohio 44114SILVERMAN, ROBERT L. , F. S A. , A . C . A . , President, PSCC, 121 F . State St., *1965
Westport, Conn. 06880SIMESTER, T, THOMAS, F. S . A. . Associate Actuary. Milkman & Robertson, Inc., 1971
920 Second Ave ., Seattle , Wash. 98104SIMMONDS, ALBERT C, , Ill, F, S A, , Actuary, The Wyatt Co, , 1629 K St ., N. W., 1971
Washington , D . C. 20006
106 Members
EnrolledSIMMONS. KENT M., F, S. A. . Assistant Actuary, Life Country Mutual Life 1973
Ins . Co., Bloomington , Ill . 61701SIMMONS, MAURICE O. , F . S. A. , Vice - President and Actuary, Frank B. Hall 1974
& Co., 3200 Wilshire Blvd ., Los Angeles , Calif . 90010SIMMS, CLIFFORD R. , F, C A . , Vicc-President and Treasurer , The Wyatt Co ., *1965
1400 Investment Plaza , Cleveland, Ohio 44114SIMON, LE ROY J , , F, C A . S. , Senior Vice -President, Prudential Reins . Cc_ *1965
Newark, N . J . 07101SIMONEAU, PAUL W. , F C . A. S . . Actuary, Aetna Life & Casualty . Hartford, *1965
Conn. 06115SIMPSON, WILLIAM , F, S, A. , Senior Vice-President, Acacia Mutual Life Ins . Co . , * 1965
Washington , D. C. 20001SINGER, CARL J, , A . S. A. , 6049 N , Morgan St ., Alexandria, Va . 22312 1966SINGER. JACK A., A, S A, , Senior Insurance Analyst, Prudential Ins Cu., 1966
Newark, N. J . 07101SINGER , PAUL E., A C . A. S . . Vice -President . CNA/Insurance . Chicago, 1966
Ill . 60685SINGER . STEPHEN G , F . S, A, , Actuary , A . S . Hansen, Inc,, 1080 Green Bay Rd ., 1970
Lake Bluff . Ill. 60044SIVIN, BURTON A. , F S. A. , President , Consulting Actuaries International , Inc, , 1973
666 Fifth Ave ., New York, N. Y. 10019SKELDING. ALBERT Z. , F . C . A, S. . 93 Carole Ct., Massapequa , N. Y . 11758 *I965SKELTON. DON R , F. S . A. . Vice-President , Research and Development, *1965
Monarch Life Ins, Co ,, Springfield , Mass. 01106SKE VINGTON, JOHN A. . F. S. A. , Actuary , Lincoln National Life Ins . Co ., 1966
Fort Wayne, Ind . 46801SKIFF , THOMAS A . , F , S A. , Assistant Vice-President, Firemen's Fund 1975
American Life Ins , Co., San Francisco , Calif, 94119SKINNER. FRED E , HE 4, Hoechester Rd. , Springfield, Ill . 62707 1966SKINNER, IEFFREY S , , A S. A , 19338 Winged Foot Cir„ Northridge, 1971
Calif, 91324SKOVEON . DAVID A. , F. S . A . . M. C . A . , Vice -President, Kwasha Lipton Inc ., 1968
429 Sylvan Ave., Englewood Cliffs , N . J. 07632SKURNTCK, DAVID , F, C . A, S, , Actuary , California Inspection Rating Bureau, 1973
1435 Mission St ., San Francisco , Calif. 94103SLATER . PHILIP D . , F . S. A. , Chief Actuary , Woodward & Slater, Inc . , *1965
225 Lorraine Ave ., Spring Lake , N . J . 07762SLATER, ROBERT E, , F S . A. , Byers Rd ., Chester Springs, Pa . 19425 "1965SLAVIN. CHARLES, A, S A , A. C. A. , Divisional Actuary , Meidinger & 1967
Assoc ., Inc ., 916 Carew Tower , Cincinnati , Ohio 45215SLIMENT. KENNETH J. . F. S. A . , Consulting Actuary , Nelson & Warren, Inc .,
222 S. Central Ave ., St . Louis , Mo. 631051973
SLOAN, JOHN L, , Assistant Actuary , Liberty Life Ins . Co., Greenville, 1967S . C. 29602
SLOAN . THOMAS D., F. S A . Vice -President and Associate Actuary, Equitable *1965Life Assur. Soc ., New 'York, N. Y. 10019
SLOAN, W KEITH , Life Actuary , Dept, of Commerce , Ins. Dept ., 1970400-18 University Tower Bldg ., Little Rock, Ark. 72204
SLOAT . FREDERICK P. , F . S. A. , r, C, I, A . , F, C, A. , 127 Bender Ave ., *1965Roselle Park, N. J, 07204
SMALLEY. TED E . , F . S. A. , Actuary, Group , Lincoln National Life Ins, Co ., 1966Fort Wayne , Ind . 46801
SMICK , J, J . , F, C , A, S , F, C, A . . President , Smick & Co., Inc ., 300 E . 46th St. , *1965New York, N. Y. 10017
SMITH , ALEXANDER J C . , A. S, A. . F . C . 1. A. . President , William M . Mercer,1221 Avenue of the Americas , New York, N. Y. 10020
1971
SMITH. BARRY V. , F S A . Vice-President , Equitable Life Assur . Soc .,New York. N . Y . 10019
*1965
SMITH, CHARLES A., F, S . A, , President , Puritan Life Ins . Co, , Providence, *1965R, I . 02901
SMITH , CHRISTOPHER G., F S . A , Second Vice - President and Actuary , StateMutual Life Assur . Co„ Worcester , Mass. 01605
*1965
SMITH . COURTLAND C. , F, S, A . , Senior Vice - President and Actuary , Cologne '1965Life Reinsurance Co ., Stanford , Conn. 06904
Members 107
EnrolledSMITH, DEAN L. , F . F. A A ., 2037 Sims Ave ., Topeka, Kans . 66604 *1965SMITH. EDWARD M. , F . C. A, S., Associate Actuary, Travelers Ins. Co ., *1965
Hartford, Conn. 06115SMITH, EDWARD R. . F, C, A. S. , Vice-President and Actuary, Hartford Ins . Group, 1966
Hartford, Conn. 06115SMITH, F. EUGENE . F. S A. . F . C . 1. A., Vice-President and Corporate Actuary, 1968
North American Life Assur, Co ., Toronto, Ontario M5H 1R1SMITH, FRANCIS M. . F . S . A. , 601 E . 20th St . . New York, N . Y. 10010 *1965SMITH, FRANKLIN C . , F C . A . . A. S. A. . F. F. A. A., Chairman of the Board, '1965
George V. Stennes & Assoc . , 2850 Metro Dr., Minneapolis, Minn, 55420SMITH, FRASER M. , F. S. A, , F . C . 1 . A ., Actuary, Metropolitan Life Ins. Co .,
Ottawa, Ontario KIP 5A31968
SMITH, GEOFFREY F N , F S . A, , F . C . I, A, , President and Chief Executive 41965Officer, American Mutual Life Ins. Co., Des Moines, Iowa 50307
SMITH, HAROLD W. . RR 4, Box 280, Frankfort, Ind . 46041 1966SMITH, J, BROOKES, JR, Actuary IV, Maryland Dept . of Licensing & Regulation
Ins . Div ., Baltimore, Md. 21202, 1970
SMITH, J, HENRY, F . S. A. , Chairman of the Board and Chief Executive Officer, *1965Equitable Assur, Soc . of the U. S. , New York, N. Y, 10019
SMITH, JAMES P., F S. A . Vice-President, Group Actuarial and Administration, 41965Northwestern National Life Ins . Co ., Minneapolis, Minn . 55440
SMITH, JOHN E. , F S A. , Assistant Group Actuary, General American LifeIns . Co., 1501 Locust, St. Louis, Mo. 63166
*1965
SMITH, KENNETH R , F . S . A , Towers, Perrin, Forster & Crosby, Inc ., 19701100 Superior Ave ., Cleveland, Ohio 44114
SMITH, LAURENCE K, , A. S . A , Mutual Trust Life Ins. Co., Oak Brook, 1966ill . 60521
SMITH. LEE M. , F. C . A. S . . Director, Insurance and Actuarial Section, 1973Insurance Bureau, State of Michigan, 111 N . Husmen St. , Lansing,Mich. 48913
SMITH, MICHAEL L. , F . S. A, , Actuary, Life Dept ., Provident Life & 1974Accident, Chattanooga, Tenn . 37402
SMITH, MORTON, JR., F. S, A , Actuary, Home Life Ins . Co, , New York, 1966N. Y. 10007
SMITH, RAYMOND L., Associate Actuary. American Mutual Life Ins . Co ., 1966Des Moines, Iowa 50307
SMITH. RICHARD F . , F, S. A , Consulting Actuary, Zischke Organization, Inc ., 1971Crocker Plaza . San Francisco, Calif . 94104
SMITH, ROBERT H, , F S A, , F . C A, , Vice-President, Hug_ gins & Co ., Inc . ,1401 Walnut St. , Philadelphia, Pa. 19102
*1965
SMITH, RONALD J. W. , F. S . A., F. C. I . A . . F . C . A . . Secretary-Treasurer, *1965Gabriel, Roeder, Smith & Cu ., 1239 First National Bldg ., Detroit, Mich. 482 26
SMITH, RUSSELL H . , JR , F . S, A , Vice- President and Actuary, State Mutual *1965Life Assur. Co. of America, Worcester, Mass. OI605
SMITH, SEYMOUR E . , F . C . A. S. . 69 Clovercrest Rd ., Wethersfield, Conn. 06109 *1965SMITH, SHERWOOD Z , F S A ., National Life & Accident Ins . Co ., Nashville, 19"3
Tenn. 37250SMITH, STEPHEN L . , F, S, A , Second Vice-President, Union Mutual Life, 1969
Portland, Maine 04112SMITH, STEVEN A . F, S, A. , Vice-President and Chief Actuary, First Colony 1974
Life Ins . Co., Lynchburg. Va. 24505SMITH, T. DONALD, A S, A , Assistant Actuary, Sales, North American 1971
Reassur. Co. , Lakewood, Colo. 80226SMITH, VERNON J. . A. S . A . , A, F . A A. , Vice-President and Actuary, Western 1966
States Life Ins . Co., Fargo, N. Dak 58102SMITH, VICTOR L . , A S A ., Actuary, Capital Holding Corp ., Louisville, 1970
Ky. 40201SMITH, WILLIAM DANIEL, F . S . A . , Controller and Associate Actuary, Provident *1965
Mutual Life Ins . Co., Philadelphia, Pa, 19101SMITH, WILLIAM DAVID, F, S. A . , Consulting Actuary, Milliman & Robertson, Inc ., *1965
44 Montgomery St., San Francisco, Calif 94104SNADER, RICHARD H, , A. S A , F . C A S . . Actuary, United States Fidelity 1970
8• Guaranty Co ., Baltimore, Md. 21203SNEED. DONALD W, , A. S A. , F, C . A . . Consulting Actuary, Nelson 8• 1967
Warren, Inc ., 150 N. Wacker Dr., Chicago, ill. 60606
108 Member r
EnrolledSNELL, WILLIAM M . , F . S. A., Associate Actuary, Northwestern Mutual Life *1965
Ins. Co., Milwaukee, Wis. 53202SODERQUIST, G DAVID, F. S A , Consulting Actuary, Nelson & Warren, Inc ., 1967
1600 Fishinger Rd., Columbus, Ohio 43221SOHN, WILLIAM J . . F . S . A . . Actuary, The Wyatt Company, 733 Third Ave., 1973
New York, N. Y. 10017SOLENBERGER, CARL W. , F, S A , 1935 S . Park Ave., Springfield, Ill, 62704 *1965SOLOMON, RICHARD H. , F. S . A., Consulting Actuary, Alexander & Alexander, 1969
3550 Wilshire Blvd ., Los Angeles, Calif. 90010SOLOMON. WILLIAM n., F C . L A., F. S. A., Manager, Group Pension, 1974
Actuarial, Confederation Life Ins . Co., Toronto, Ontario M4W 1H1SOMMER, ARMAND, A . C . A . S ., Insurance and Management Consultant, Chicago 1966
Athletic Club, 112 S. Michigan Ave ., Chicago, Ill . 60603SONDERGELD, DONALD R., F, S. A. . A. C. A. . Vice-President and Actuary, *1965
Hartford Life Ins . Co., Hartford, Conn . 06115SORENSEN. STUART L., F. S A, , Actuary, Security Life Ins. Co., 1975
Minneapolis, Minn, 55403SORENSEN, THOMAS B . , F . S. A . , Director. Research and Development, 1966
Phoenix Equity Planning Corp ., One American Row, Hartford, Conn . 06115SORMANI, CHARLES R . F. S A . , Vice-President and Actuary, Union Labor 1971
Life Ins . Co., New York, N. Y. 10022SOUTHERN, CHARLES W. , F . S . A ., Tax Actuary, Bankers Life Co ., Des Moines, *1965
Iowa 50307SOUTHERN, IfENRY J, . JR , F . S. A , 10 Reef Rd ., Cape Elizabeth, Maine 04107 +1965SOUTIIWORTH, J. RUSSELL, F S. A. , A . S. Hansen, Inc ., 55 William St., 1972
Wellesley . Mass. 02181SPANGLER, CLIFFORD D . , F . C . A., Consulting Actuary, George V. Stennes '1965
& Assoc,, 1212 First National Bank Bldg., Lincoln, Nebr . 68508SPANO. ANTHONY T. , F . S. A. , Assistant Vice-President and Associate Actuary, 1965
Equitable Life Assur. Soc., New York, N. Y. 10019SPARE, WILLIAM A , F, S. A., Vice-President and Actuary, Provident Mutual +1965
Life Ins . Co., Philadelphia, Pa . 19101SPAULDING. ASA T., President, North Carolina Mutual Life Ins . Co., Durham, *1965
N. C. 27702SPELLMAN, JAMES W , F . S A , Vice-President, State Farm Life Ins, Co ., *1965
Bloomington, Ill . 61701SPELLMAN, PETER J ., F S. A. , F. C . I, A ., Vice President and Chief Actuary, *1965
American Health & Life Ins, Co ., Baltimore, Md. 21202SPIES, ROBERT L ., F . S. A., Actuarial Officer, Western Life Ins. Co, , 1975
St. Paul, Minn . 55102SPITZER, C . ROBERT, A, C . A, S. , Assistant Actuary, Commercial Union 1973
Assur. Cos ., Boston, Mass, 02108SPOCK, WILLIAM T. , F S. A. , Senior Vice-President, Penn Mutual Life 1966
Ins . Co., Philadelphia, Pa . 19172SPOELSTRA. HERBERT B. , Actuary, United Farm Bureau Family Life Ins . Co., 1966
Indianapolis, Ind. 46204SPOOLSTRA, PETER C . , F. C . A., President, Peter C . Spoolstra & Assoc , Inc ., 1966
1829 N. Meridian St ., Indianapolis, Ind. 46202SPOONER, FORREST A., F . S . A., A . C . A . q ., Second Vice-President and 1971
Actuary, Mutual of New York, New York. N. Y. 10019STAATS, DEAN R , F. S. A. , Senior Vice-President of Planning and *1965
Adnunistration, North American Reassur. Co. . New York, N, Y . 10017STABERT, BERNHARDT K ., F C, A., Vice-President and Secretary, Huggins +1965
& Co., Inc ., 1401 Walnut St., Philadelphia, Pa, 19102STABIN, HARVEY, F, S . A . . Actuary, New York Life Ins . Co., New York, *1965
N. Y. 10010STACKHOUSE, BROCK L , F . S. A ., F, C . I . A., Vice-President, Group Sales, 1968
Crown Life Ins . Co., Toronto, Ontario M4W 1138STAFFORD. CHARLES B . . A. S. A, , Assistant Superintendent of Disability 1966
Income and Equity Sales, Northwestern Mutual Life Ins . Co .,Milwaukee, Wis . 53202
STAGG, RONALD G. . F. S. A ., 7011 Balmoral Dr ., Fort Wayne, Ind. 46804 *1965STAHL, JOSEPH J ., II, F. S . A , F. C. A. , Vice-President, Alexander & *1965
Alexander, Inc., 1185 Avenue of the Americas, New York, N. Y, 10036
Members 109
EnrolledSTALEY, HARLOW B., F . S . A. . F. C. 1.A. . A. C . A. S., A. F . A, A, , Consulting *1965
Actuary, Coopers & Lybrand, 222 S . Riverside Plaza, Chicago , Ill . 60605STANCIK. EDWIN E . , A, S . A . , Second Vice - President and Actuary, Capital 1967
Holding Corporation, Louisville , Ky. 40201STANKUS , LEO M., F C . A . S , , Director of Executive Inform ., Allstate Ins . Co ., *1965
Northbrook, Ill, 60062STANLEY. J. PERHAM, A, S, A , F, C . I, A, , F, C . A, , Vice - President, *1965
The Wyatt Co., 1717 First National Bldg ., Detroit , Mich. 48226STANLEY, NEAL N . , F S . A. , Vice-President and Actuary, Republic National 1967
Life Ins . Co, , Dallas, Texas 75204STANLEY, STEPHEN A. , F, S, A, , Associate Actuary, Jefferson Standard 1975
Life Ins . Co., Greensboro , N. C . 27420STANTON. MING H (Mrs,), F, S, A. , Senior Actuarial Analyst, Metropolitan 1971
Life Ins. Co . . New York , N, Y. 10010STARK, HERBERT J , F. S . A. , 200 Central Park, S., New York, N. Y. 10019 *1965STAROVASNIK , DONALD M . , 818 101st PI ., S. E . , Bellevue , Wash. 98004 1970STATIUS , A, EUGENE , A S . A ., F . C A. , 182 Bennett Ave., New York, +1965
N. Y. 10040STAUB, F , BRIAN, A. S. A. , Vice-President and Chief Actuary, Mutual Service 1966
Life Ins., St . Paul , Minn. 55104STAUFFER , FRANKLIN C., A, C. A, , F . F. A. A. , President , Protected Home *1965
Mutual Life Ins. Co., Sharon, Pa. 16146STEACY, RUSSEL GEORGE , A, C, A, , Director, Rockford Life Ins. Co. . 1966
Rockford , Al. 61101STEARNS . JOHN B ., F . S . A ., Actuarial Director , Group Pensions, The Prudential *1965
Ins. Co., Florham Park, N . J. 07932STEARNS. JOHN H., JR , A, S A, , Second Vice-President, Travelers Ins, Co ., 1971
Hartford , Conn. 06115STEARNS , JOHN L , , F . S . A., Vire-President and Senior Actuary, +1965
Massachusetts General Life Ins. Co, , Boston, Mass, 02110STEDMAN. JOHN A . , F S A. . F C . A. , Consulting Actuary , Nelson & Warren , Inc, , 1966
1600 Fishinger Rd ., Columbus , Ohio 43221STEELE , ERNEST C . , President Coastal States Life Ins . Co ., Atlanta, Ga . 30303 1966STEEPLES, LARRY A . , F S. A. . Consulting Actuary . Millinian & Robertson, 1973
Inc ., 200 Executive Dr. , Brookfield , Wis. 53005STEFFEN. WALTER W., F, S, A, , Executive Vice-President , American Life *1965
Ins . Co., Wilmington , Del . 19899STEIN, JEROME M., F . S.A., Assistant Comptroller, Prudential Ins Co ., * 1965
Newark, N, J. 07101STEIN, JOAN BERKMAN (Mrs.), A. C. A, S . . Assistant Actuary, Insurance 1966
Services Office, 160 Water St ., New York, N. Y. 10038STEIN, MEL , F, S. A, , President , Forecast Consultants , Inc, , +1965
8350 N . Central Expy., Dallas, Texas 75206STEINEE RG , EDWIN J , A, S. A, , Edwin J. Steinberg Associates, 1966
2699 S. Bayshore Dr ., Coconut Grove , Fla . 33133STEINER, ROBERT C. . F . S. A, , F . C . 1 . A . . F C . A, , Vice - President and
Actuary, Eugene M. Klein & Assoc ., 1000 Superior Bldg., Cleveland,1966
Ohio 44114STEINER, WILLIAM K, , F, S . A. , F, C.A., Executive Vice-President , The Zischk e 41965
Organization, Inc ., Crocker Plaza, San Francisco , Calif. 94104STEINFORTH , ALEX W, , JR , F . S A. , F . C . A , Vice - President and Actuary, *1965
Marsh & McLennan , Inc„ 222 S . Riverside, Chicago , IIl . 60606STEINIG, STEPHEN N . , F, S, A. . Second Vice-President and Actuary , New York 1971
Life Ins . Co., New York, N . Y. 10010STEMMERMANN , THEODORE A . . F . S. A . , 103 Via Amalfi . New Smyrna Beach, *1965
Fla. 32069STEMPEL , MARTIN, F. S . A. . Vice - President and Actuary, Dan McGinn &
Assoc . , Inc ., 1150 S . Olive St ., Los Angeles , Calif . 900151967
STENNES, GEORGE V , F S . A. , F , C, A, , President, George V. Stennes & *1965Assoc . , 2850 Metro Dr ., Bloomington , Mum. 55420
STENSON , RICHARD M , F, S . A. , Vice - President and Associate Actuary, 41965Equitable Life Assur. Soc ., New York, N . Y. 10019
STEPHAN. WILLIAM J. , F, C, A, , Manager, Coopers & Lybrand. 1251 Avenue 1966of the Americas , New York. N . Y. 10020
110 Members
EnrolledSTEPHENS, JOHN F. , Chairman of the Board and President, Texas Employers 1969
Ins. Assn. & Employers Casualty Co., Dallas, Texas 75221STEPHENSON, ELTON A, , Actuary, Allstate Ins, Co,, Northbrook, Ill, 60062 1974STEPHENSON, HUGH E., F S. A , Actuarial Vice-President, Manufacturers 1971
Life Ins . Co ., Toronto, Ontario M4W 1E4STEPHENSON. J . HERMAN, Vice-President, United Benefit Life Ins. Co., 1966
Omaha, Nebr. 68101STEPHENSON, JOHN W., Examining Actuary, State Board of Insurance, 1970
1110 San Jacinto, Austin, Texas 78701STERN, PHILIPP K , A C. A S , Actuary, Property-Liability, New Jersey Dept, 1966
of Ins., Trenton, N . J. 08625STEVENS, JOHN J . , A S. A. . Consulting Actuary, Milliman & Robertson, Inc., 1966
150 Strafford Ave ., Wayne, Pa, 19087STEVENS, W. THIS . F, S . A., Vice-President and Chief Actuary, Interstate Life *1965
& Accident Ins . Co., Chattanooga, Tenn . 37402STEVENS, WALDO A , A . C, A, S. , Senior Vice-President, Blue Cross Assn., 1966
840 N. Lake Shore Dr„ Chicago, ill, 60611STEVENSON, RAYMOND H. , M. C . A . , Manager, Employee Ins. & Pension 1967
Dept., International Harvester Co ., 401 N. Michigan Ave ., Chicago,III . 60611
STEWART, CHARLES WALTER, F. C. A. S . , Actuary, Insurance Co . of North 1972America, Philadelphia, Pa . 19101
STEWART, DANIEL G. , F, S . A. , Partner, Peat, Marwick, Mitchell & Co., *1965345 Park Ave ., New York, N . Y. 10022
STEWART. GATHINGS, F, S, A. , F, C, 1 . A, , President, Lincoln National Life *1965Ins. Co., Fort Wayne, lhd . 46801
STEWART, JAMES G. , F . S. A . , Actuary, Connecticut General Life Ins, Co. , 1971Hartford, Conn, 06152
STEWART, O. CONRAD, F, S, A . . First Vice-President and Actuary, Occidental 1966Life Ins. Co. of North Carolina, Raleigh, N . C. 27605
STEWART, W, MURDOCH, F, S. A, , 925 Walden Ln ., Lake Forest, 111 . 60045 *1965STIEFEL, JOHN D . . F . S . A ., Director, Group Division, Aetna Life & Casualty, 1975
Hartford, Conn. 06156STIE REN, VALESKA U, (Mrs.), 28 S . Waiola Ave ., La Grange, Ill. 60525 1966STIGLITZ. ANDREW M , F . S . A. . Second Vicc-President and Actuary, Aetna *1965
Ins Cc , Hartford, Curio . 06115STILES, HUBERT M, , F, S . A . , Vice-President and Actuary, Southern Life *1965
& Health Ins, Co ., Birmingham, Ala, 35201STOBIE, DAVID W., Actuarial Associate, Insurance Systems of America, 1967
12 Perimeter Center, E ., Atlanta, Ga . 30346STONE, DAVID G., F, S A. , Stone, Young & Co ., 546 Valley Rd., Upper *1965
Montclair , N . J . 07043STONE, RONALD J , A. S A, , Actuary, Tower Life & Accident Ins . Co . . 1970
Chicago, 111 . 60611STONECIPHER, DAVID A ., F. S . A ., Vice-President and Actuary, Life Ins . Co. 1970
of Georgia, Atlanta, Ga . 30308STORMS, PETER F, , Director Financial Reporting, Travelers Ins . Co., 1970
Hartford, Conn. 06115STOUT. ALBERTA (Mrs.), Staff Actuary, George B . Buck Consulting Actuaries 1968
Inc., Two Pennsylvania Plaza, New York, N. Y. 10001STOVER, J. KARL, A. S . A . . Assistant Mathematician, Union Central Life Ins . Co, , 1966
Cincinnati, Ohio 45201STRAFFIN. DONALD C, , A S . A , Associate Actuary, Milkman & Robertson, Inc ., 1975
150 Strafford, Wayne, Pa . 19087STREATFEILD, G, PHILIP. A . S A. , F . C . I, A. , Senior Vice-President and 1966
Actuary, Pennsylvania Life Ins, Co, , Santa Monica, Calif . 90403STRECK, JAMES J. , F S A. . Actuary, Farm Bureau Life Ins. Co, , 1973
West Des Moines, Iowa 50265STREET, CHRISTOPHER C . , A, S, A. , Manager, Group Pensions, Prudential 1971
Ins. Co., Florham Park, N. J. 07932STREET, JOHN L, , President, Sigma Sciences, Inc ., P.O. Box 80694, 1971
Atlanta, Ga. 30341STRICKER, IRWIN J , F S A. . Second Vice-President and Group Actuary, 1966
Guardian Life Ins, Co ., New York, N, Y. 10003
Members III
EnrolledSTRICKERT, ROLAND R ., F, S . A., Vice-President and Comptroller, National *1965
Life & Accident Ins. Co., Nashville, Tenn . 37250STROCK, ELLSWORTH E . , F . S. A. , 80 Orchard Rd ., Chatham, N. J, 07928 *1965STROH, ETHAN, F. S. A. , M. C. A. , Manager and Consulting Actuary, 1967
George B. Buck Consulting Actuaries, Inc ., 3190 U. S . Steel Bldg .,Pittsburgh, Pa. 15219
STROM, C . NELSON, F, S. A. , Actuary, Allstate Life Ins . Co., Northbrook, 1972Ill . 60062
STROM, CHRISTIAN L . , A. S. A . , Vice-President and Senior Actuary, Continental 1966Assur. Co., Chicago, Ill . 60685
STROM, NORMAN N. , F . S. A . , F. C . A. , A. F . A, A. , F. C. I. A. . Actuary, *1965A. S . Hansen, Inc ., 1080 Green Bay Rd, , Lake Bluff, R1 . 60044
STRONG, GREGORY S, , F . S A. . Senior Actuarial Officer, Western Life Ins, Co ., 1974St . Paul, Minn . 55102
STRONG, H. RAYMOND, F. C . A. , (Past President), Consulting Actuary, *1965H. Raymond Strong & Co., 511 N . Akard St ., Dallas, Texas 75201
STRUBLE, WILLIAM I., F S. A., Second Vice-President and Actuary, *l965Travelers Ins . Co., Hartford, Conn . 06115
STRUDELL. FRED DAVID, A. C A, Senior Vice-President and Actuary, Reliable 1966Life Ins. Co., St. Louis, Mo. 63119
STRUG, EMIL J. . F, C. A. S. , Assistant Vice-President and Associate Actuary, 1966Massachusetts Blue Cross, Inc ., Boston, Mass . 02106
STRUM, EUGENE R , F S . A, , Assistant Actuary. Teachers Ins, & Annuity Assn ., 1975New York, N. Y. 10017
STRUNK, CARL J . . A. S, A. , Associate Actuary, National Fidelity Life Ins. Co, , 1969Kansas City, Mo . 64106
STUDLEY, SENNETT D , 270 Seamen Ave ., New York, N. Y. 10034 1967STULCE, L, JEFFERSON, F. S . A ., Senior Vice-President, Insurance Operations, *1965
Liberty Life Ins . Co., Greenville, S. C. 29602STURGIS, ROBERT W, , F . C, A S , Actuary, Aetna Life & Casualty Co ., Hartford, 1970
Conn. 06115STURTEVANT, HUBERT B. , Chief Actuary, Georgia Ins . Dept., Atlanta, 1970
Ga. 30334SUTTER, GEORGE E . , II, F, S. A. . Senior Vice-President and Actuary, Great 1971
American Reserve Ins, Co ., Dallas, Texas 75202SULLIVAN, ALAN R, F . S . A. , Assistant Actuary, Metropolitan Life Ins . Co., *1965
New York, N. Y. 10010SULLIVAN, C. JEROME, A S A., F, C, A., Marsh & McLennan, Inc., *1965
222S. Riverside, Chicago, Ill . 60606SULLIVAN, DENIS J, , F S A. . Consulting Actuary, Milliman & Robertson. Inc., 1970
8990 W. Dodge Rd ., Omaha, Nebr. 68114SULLIVAN. EUGENE J , JR F. S. A . . The Wyatt Company, 1262 Suburban Station 1971
Bldg., Philadelphia, Pa . 19103SULLIVAN, JOSEPH F . , A. S . A. , Project Manager, IBM, One Metropolitan 1966
Plaza, San Francisco, Calif . 94120SULLIVAN, WILLIAM J , F S. A, , President, State Life Ins, Co., Indianapolis, *1965
Ind. 46206SUMNER, DALE R., Assistant Vice-President, Lutheran Mutual Life Ins, Co., 1970
Waverly, Iowa 50677SUNDERLAND, DAVID F ., F, S . A, , A. C . A ., Senior Consultant, Peat, Marwick, 1971
Mitchell & Co., One Boston Pl, , Boston, Mass . 02108SUNG, KIHONG, F . S. A ., Second Vice- President for Corporate Finance, Mutual of 1972
New York, New York, N, Y. 10019SUSSMAN, ALEXANDER, F. S. A. , M . C. A., Consulting Actuary, Seal & Lohse, Inc, , 1970
1001 Franklin Ave., Garden City, N . Y. 11530SUTCLIFFE, JON D . , F S. A, , Partner, Hewitt Associates, 445 S . Flgueroa St., *1965
Los Angeles, Calif . 90017SUTHERLAND. JOHN M., JR , F. S A, , Vice-President and Actuary, Paul Revere *1965
Life Ins . Co., Worcester, Mass . 01608SUTTON, HARRY L., JR ., F, S. A, , George V. Stennes & Assoc . , 2850 Metro Dr., *1965
Minneapolis, Minn . 55420SUTTON, THOMAS C. , F S, A., Associate Actuary, Pacific Mutual Life Ins . Co., 1973
Newport Beach, Calif. 92663SUTTON, WILLIAM F . , F. S . A . , Vice-President and Chief Actuary, Penn Mutual *1965
Life Ins . Co., Philadelphia, Pa . 19172
112 Members
EnrolledSWAGER, RICHARD E., F . S . A ., Assistant Vice-President, Lincoln National Life 1974
Ins. Co., East Orange, N . J. 07019SWAIM, ROBERT S . , JR . , A C . A., Consulting Actuary, 2333 Kapiolani Blvd ., 1966
Honolulu, Hawaii 96814SWANICK, GLENN R, , F, S . A . . F. C. I . A, , Associate Actuary, Group Insurance, 1969
Imperial Life Assur. Co ., Toronto, Ontario M4V IN7SWANSON, F. GILBERT, F, S. A, , Second Vice-President and Associate Actuary, `1965
Union Mutual Life Ins, Co . , Portland , Maine 04112SWANSON, ROBERT H. , Vice -President and Actuary , Old American Ins, Co., 1967
Kansas City, Mo. 64141SWEENEY , THEODORE A, , M. C . A . , A. S . Hansen, Inc., 1080 Green Bay Rd,, 1969
Lake Bluff , Ill . 60044SWEETSER , EDWARD H. , F . S . A. , Senior Vice-President, New York Life Ins. Co., 41965
New York, N , Y. 10010SWENDER, DAVID J , A. F . A. A., F . S. A. . Second Vice-President , Agency 1969
Planning and Research, Aid Assn . for Lutherans , Appleton, Wis . 54911SWENSON , JAMES R., F . S. A. . Prudential Ins . Co., Florham Park, N. J. 07932 1974
SWENSON , OSCAR, 849 San Pablo Dr. , Lake San Marcos , Calif. 92069 *1965SWERDLOW , LAURENCE M., F. S. A . , Assistant Actuary, Equitable Life Assur. 1973
Soc . of the U . S., New York, N. Y. 10019
SWETT , ROBERT E., F. S . A . , Senior Vice-president, Administration, Bankers *1965Life Nebraska , Lincoln, Nebr. 68501
SWICK, GEORGE B., F . C . A , A S A. , Vice-President and Consulting Actuary, 41965George B. Buck Consulting Actuaries , Inc ., Two Pennsylvania Plaza,New York, N . Y. 10001
SWIFT, RICHARD A., F S. A . , Consulting Actuary, George V. Stennes & Assoc., 19692850 Metro Dr., Bloomington , Minn, 55420
SWITZER, VERNON J ., F . C . A . S , Health Actuary , State Farm Mutual 1966Automobile Ins . Co . , Bloomington , Ill . 61701
TALLMAN, RICHARD H. , F S. A , Port Washington , North Ponder Island, *1965British Columbia
TAN, LEONARDO B. J , A . S . A, , Vice- President, The Insular Life Assur, 1970
Co., Ltd., Makati , Rizal D-708, PhilippinesTANDUL , LEONARD E., F S. A , Associate Actuary, National Health & Welfare 1966
Retirement Assn ., Inc . . 360 Park Ave., New York , N. Y. 10010TARBELL , LUTHER L, , F, C . A. S. , Second Vice -President and Actuary, *1965
Travelers Ins . Co ., Hartford, Conn. 06115TATUM, SAMUEL C, . A . S . A, , 606 Elmwood Dr. , Greensboro, N. C. 27408 1966TAVENER, LEONARD E , , Assistant Vice-President and Assistant Actuary, 1966
American National Ins. Co., Galveston, Texas 77550TAYLOR, CHARLES A ., F S . A . , 304 Virginia Ave ., Richmond , Va. 23220 *1965TAYLOR, J, EUGENE, F S . A. , 2295 Gulf of Mexico Dr ., Sarasota , Fla. 33577 *1965TAYLOR, JOHN R , F . S, A. , Executive Vice-President , Bankers Life Co., *1965
Des Moines, Iowa 50307TAYLOR, JOHN W . H. , F. S. A. , Vice - President and Actuary , Philadelphia Life 1971
Ins . Co ., Philadelphia , Pa. 19107TAYLOR, LEROY R., Associate Actuary , North Carolina Mutual Life Ins . Co., 1966
Durham, N. C. 27702TAYLOR, ROBERT H., F . C . A . . F. F, A A . . Partner , Taylor, Ballard & Co., *1965
321 Third St, , S, E . , Cedar Rapids , Iowa 52406TAYLOR, WILLIAM J. . F. S. A ., Second Vice -President and Actuary, -1965
Massachusetts Mutual Life Ins . Co„ Springfield , Mass. 01111TAYLOR. WILSON H. , F S. A. , Vice -President and Actuary , Aetna Insurance Co., 1969
Hartford , Conn. 06115TEASLEY, LARKIN , F. S A., Senior Vice-President , Golden State Mutual Life 1967
Ins . Co . , Los Angeles, Calif . 90051TEBBETTS, EDWIN H , , F S, A . , Second Vice-President , New England Mutual *1965
Life Ins . Co ., Boston, Mass. 02117TEICH , HOWARD 1, , F S . A ., Assistant Actuary, Metropolitan Life Ins . Co. , 1968
New York, N . Y. 10010TEICHERT, H. WERNER , A . S . A ., Executive Vice -President, Munich 1966
American Reassur . Co ., Atlanta, Ga. 30209
Members 113
EnrolledTEILER, ARTHUR E . , A . S. A ., Associate Actuary, Government Employees Life 1967
Ins, Co ., Washington , D. C . 20015TEITELBAUM , NAFTALI H, , F. S . A , , Vice-President and Actuary , Bankers 1966
Security Life Ins. Soc., Washington, D. C. 20006TE PLIT Z . MARVIN S., A. S. A ., F . C . A ., Actuary, Eugene M. HIem & Assoc. , *1965
1000 Superior Bldg., Cleveland, Ohio 44114TERNE, MICHAEL , F . S. A. . Vice - President , Huggins & Co., 1401 Walnut St., 1971
Philadelphia, Pa. 19102TERRY, JAMES B., JR, F. S. A. , Divisional Actuary, Meidinger & Assoc., 1975
7 N. Meridian St., Indianapolis , Ind, 46204TERRYBERRY, WILFRED W . , F, S. A . , Yarmouth Port, Mass. 02675 *1965THACHER, CHARLES G. , A. S . A. , Thacher & Assoc., 75 Rockfeller Plaza, 1971
New York, N , Y. 10019THALER, ALAN M, , F S. A . Senior Vice-President , Prudential Ins . Co., *1965
Newark, N. J . 07101THEXTON. PETER M, , A. S. A., Associate Actuary , Health Ins . Assn, of America, 1966
New York, N . Y. 10022THIEL, THEODORE L. , JR. , Vice-President and Actuary , Standard Life Ins . Co., 1969
Jackson, Miss. 39201TIIIESSEN , HENRY B. , A, S, A., 380 E . Madison Aye ., Dumont, N . J. 07628 1969THISSEN, FRANCIS C, , F . S, A . , Assistant Vice - President and Manager, 1971
Pension Trust Operations, Lincoln National Life Ins . Co ., Fort Wayne,Ind. 46801
THOMAS, B . RUSSELL, F , S . A . , The Wyatt Co ., One First National Plaza, *1965Chicago, 111 . 60603
THOMAS, CHARLES G . , A . S A. , Assistant to the Actuary , Occidental Life 1966Ins. Co., Los Angeles, Calif . 90051
THOMAS, DAVID, A S . A . , Associate Actuary, Connecticut Mutual Life Ins . Co., 1966Hartford , Conn. 06115
THOMAS, DEAN A. , Regional Second Vice -President, Lincoln National Life 1968Ins. Co., Dallas , Texas 75247
THOMAS, GEORGE W. , A, C . A ., Consulting Actuary, 304 Westside Dr., 1966Norman, Okla. 73069
THOMAS. JAMES W. , F, C. A. S ., Associate Actuary , Travelers Ins . Co., *1965Hartford , Conn. 06115
THOMAS , WILLIAM S . , F. S A, , Senior Vice-President , Metropolitan Life *1965Ins . Co., New York, N. Y. 10010
THOMPSON, ALLEN B , Consulting Actuary, 9 Highwood Way, Larchmont, 1967N. Y. 10538
THOMPSON , DAVID M . . A. S . A, , Actuary , Massachusetts Casualty Ins . Co., 1968Boston, Mass. 02109
THOMPSON , DONALD A., F. S. A ., Second Vice-President and Pension Actuary, 1966Union Central Life Ins . Co ., Cincinnati, Ohio 45201
THOMPSON . E. MALCOLM , A, S. A ., William M. Mercer, 1100 Milan Bldg., 19741100 Milan St ., Houston, Texas 77002
THOMPSON , FREDERICK J. , F . S A , F . C, I . A, , Vice-President and Actuary, 1969Commercial Life Assur . Co., Toronto, Ontario M4T IXI
THOMPSON , GRAHAM C . , A. S. A , Box 750E , Rt . 1, Punta Gorda, Fla . 33950 1966THOMPSON , JOE L ., A. S. A . , Republic National Life Ins, Co., Dallas, Texas 75204 1975THOMPSON , JOHN B. , F. S. A , Consulting Actuary, Towers , Perrin, Forster 1970
& Crosby, Inc ., 1100 Superior Ave ., Cleveland , Ohio 44114THOMPSON , JOHN H., A, S . A. , 410 Church Rd,, Olai, Calif . 93023 1966THOMPSON . JOHN S , F . C, A . S , F, S , A , 654 Angell St . , Providence , R . 1. 02906 *1965THOMPSON , JOHN S, , JR , F. S. A ., Second Vice-President , New York Life *1965
Ins. Co., New York, N. Y. 10010THOMPSON, JOSEPH F, , F, S. A , Assistant Actuary, New England Mutual 1975
Ins. Co., Boston, Mass. 02117THOMPSON , PHILIP R., A. C . A . S , Statistician, Federated Mutual Ins . Co.. 1966
Owatonna , Minn . 55060THOMPSON , ROBERT D., Principal , Towers, Perrin, Forster & Crosby, Inc., 1974
3400 Peachtree Rd., N . E ., Atlanta, Ga. 30326THOMPSON, STUART M, , F, C . A. , A, S, A, , Vice - President, Meidinger & *1965
Assoc. Inc., 5744 Lyndon B. Johnson Fwy ., Dallas, Texas 75240THOMPSON, WILLARD A., F. S, A, , Consulting Actuary, 300 E . 40th St., *1965
New York, N . Y. 10016
114 Member
Enrolled
THOMSON, ALLAN L, , A . S. A. , F C 1 . A., Vice- President and Actuary, 1975North West Life Assur. Co , of Canada , Vancouver, British Columbia V6E 3J7
THOMSON , PAUL, F S.A , 15 Gerthmere Dr ., West Hartford, Conn . 06110 *1965
THORNTHWAITE , WILFRED L ., F . S. A., Assistant Actuary, Fidelity Mutual 1974Life Ins . Co., Philadelphia , Pa. 19101
THURAU, RUSSELL w., A S. A , F. C . A., Vice - President, Tillinghast & Co., Inc ., 1966814 Carillon Tower East , Dallas , Texas 75240
TIERNEY, THOMAS P, , E. S, A ., Assistant Actuary, John Hancock Mutual Life 1974
Ins . Co ., Boston, Mass . 02117TIFFANY , CARL A. , F, C . A ., F . F . A. A., President, Rushmore Mutual Life *1965
Ins . Co., Rapid City, S. Dak. 57701TILL, RONALD L. W. , F. S . A ., Actuarial Vice-President. Canada, Confederation 1967
Life Ins. Co ., Toronto 285 , OntarioTILLINGHAST , JOHN P, , F . S . A. , 4215 Gulf of Mexico Dr., Sarasota , Fla. 33577 *1965
TILLOTSON , DON C., A , C, A , Vice-President and Actuary, Jackson National 1966Life Ins. Co., Jackson, Mich. 49202
TIMPE, RONALD E ., F, S. A . , Actuary, Individual Ins ., Standard Ins, Co., 1969
Portland, Oreg. 97207TINE, MICHAEL P., F. S . A, , Actuary , The Travelers Ins . Co ., Hartford, 1973
Conn. 06115TINKER, STUART I- ., F, S, A. , Actuary , Bankers Life Co ., Des Moines , Iowa 50307 *1965
TINNEY, DOUGLAS H. , F. S, A . . Second Vice -President and Actuary, 1970Massachusetts Mutual Life Ins . Co ., Springfield , Mass 01111
TINO, PAULETTE (Mrs .), A. S, A . . Actuary , Actuarial Division, Pension Actuarial 1966Branch , Internal Revenue Service, 1111 Constitution Ave., N . W .,Washington, D. C. 20224
TOBIN, VINCENT M ., F,S,A., Vice - President , George B. Buck , Consulting 1967Actuaries , Inc ., Two Pennsylvania Plaza, New York , N. Y 10001
TOFTE, ROY D., Associate Actuary, American Security Life Ins . Co., 1967San Antonio , Texas 78298
TOHER, THOMAS, F . S , A, , Actuary, William M. Mercer , 10 Lafayette Square, 1975Buffalo, N . Y. 14203
TOLMAN, JOHN E ., A . C . A ., Consulting Actuary, 213 Cambridge Rd, , 1966Turnersville , N . J. 08012
TOMLINSON, JOHN W., F . S, A . , Associate Actuary, New York Life Ins . Co., 1967New York, N. Y. 10010
TOMPA, PETER M ., F, S. A. , Vice - President and Actuary, Guardian Life Ins . Cc,, *1965New York, N . Y. 10003
TOMPSON, SCHUYLER W., JR., F . S . A . , Peat , Marwick, Mitchell & Co., 1966345 Park Ave., New York, N . Y. 10022
TOOKEY, ROBERT C,, F, S . A ., F, C . A . , Consulting Actuary, Milliman & *1965Robertson , Inc ., 251 S . Lake Ave ., Pasadena, Calif . 91101
TOPF, NORMAN, A. S . A ., F. C . A., Kwasha Lipton Inc . , 429 Sylvan Ave., 1969Englewood Cliffs, N. J, 07632
TOREN, CHESTER J ., A . C . A. S, , Assistant Vice-President and Actuary, 1967Zurich Ins . Co., Chicago , Ill . 60604
TORGRIMSON, DARVIN A., A . C .A . S. , Vice-President and Actuary, 1968The National Property Owners Ins . Co., Nashville , Tenn. 37250
TORNAY, GEORGE F., JR ., Consultant, The Wyatt Co., 733 Third Ave., 1971New York, N. Y. 10017
TORRANCE , SELYN, A. S . A ., Vice-President , International , The S. M. Hyman Co., 1971300 N . Charles St ., Baltimore , Md. 21201
TOSCH, CHARLES E ., A .S . A,, 220 Christopher St ., Montclair , N, J. 07042 1966TOUSSAINT , ROBERT C ., F , C . A., A, S . A., George B. Buck Consulting Actuaries, *1965
Inc . , Two Pennsylvania Plaza, New York, N . Y. 10001TOVSON, ORRIN S ., F, S . A . , Associate Actuary, American United Life Ins . Co., 1966
Indianapolis , Ind, 46206TOWNE , ALANSON, Vice -President . Marketing Services, American Health & 1970
Life Ins. Co ., Baltimore, Md . 21202TOWNE, ROBERT J ., F . S .A., 164 Main St ., Yarmouth, Maine 04096 *1965TOWNSEND, FREDERICK S ., JR., A. S, A., General Partner, Conning & Co., 1969
41 Lewis St ., Hartford , Conn. 06103TOWRY, TERENCE N,, F . S . A . , Assistant Actuary, Phoenix Mutual Life Ins . Co., 1971
Hartford , Conn. 06115
Members 115
EnrolledTOY, GERALD G., F . S. A . . F . C . A., Consulting Actuary, Milliman & *1965
Robertson, Inc ., 520 S. W. Yamhill St., Portland, Oreg . 97204TOZER, WILLIAM T,, F, S,A ., Vice-President and Chief Actuary,
Kentucky Central Life Ins . Co., Lexington, Ky . 405071966
TRAPNELL, GORDON R., F . S . A ., Consulting Actuary, 6313 Crossroads Cir, ,Falls Church, Va. 22044
*1965
TRAPP, PETER P ., F . S . A . , Assistant Vice-President and Actuary, 1974Sentry Life Ins . Co., Stevens Point, Wis . 54481
TREES, JOHN S ., A . C . A . S . , Vice-President, Allstate Ins . Co., Northbrook, 1967111, 60062
TRENTON, THADDEUS W., F . S . A . , Senior Assistant Actuary, State Farm LifeIns . Co., Bloomington, Ill 61701
1972
TRESSEL, HARRY S . , F. C . A ., Harry S . Tressel & Assoc . , 10 S . La Salle St., *1965Chicago, Ill . 60603
TRETOWIC Z, RICHARD A., F, S . A ., Vice-President and Actuary, Farmers &Traders Life Ins . Co., Syracuse, N . Y. 13201
1972
TREVARTHEN, MARGARET A. (Miss), F . C . A., 4201 S . 31st St ., Arlington, *1965Va. 22206
TRIPLETT, GEORGE H., JR., A, C, A., Actuarial Examiner, Oklahoma Ins . Dept. , 1966408 Will Rogers Memorial Office Bldg., Oklahoma City, Okla . 73105
TRIST, JOHN A . W., F. C . A . S ., 364 Rose Glen Dr ., Radnor, Pa . 19087 *1965TROTTA, GEORGE B. , F, S, A, , Vice-President, Group Insurance & Pensions, *1965
Metropolitan Life Ins, Co, , New York, N . Y. 10010TROWBRIDGE, CHARLES L ., F . S . A ., Senior Vice-President and Chief Actuary, *1965
Bankers Life Co ., Des Moines, Iowa 50307TRUDEAU, DONALD E ., F . C . A . S . , Vice-President and Controller, *1965
American Mutual Liability Ins . Co, , Wakefield, Mass. 01880TRUDEL, CLAUDE J ., F, S . A., F, C, I, A, , Senior Vice-President, Plans & *1965
Operations, National Life Ins . Co, , Montpelier, Vt. 05602TRUE, WENDELL C ., F . S . A, , Actuary, Ohio National Life Ins . Co., Cincinnati, *1965
Ohio 45219TUCKER, LYMAN R ., F . S .A., Mathematician, Equitable Life Assur . Soc .,
New York, N. Y. 10019*1965
TUCKER, MATT B., JR., A. S . A., Vice-President, Tillinghast & Co .,Tower Place, 3340 Peachtree Rd ., N . E ., Atlanta, Ga. 30326
1969
TUCKER, SAMUEL L,, JR ., A.S. A,, Actuary and Secretary, Church Life Ins .Corp, , New York, N. Y. 10017
1966
TUCKER, THOMAS F., Risk Manager, Marsh & McLennan, 222 S . Riverside Plaz a, 1967Chicago, 111 . 60606
TULIN, STANLEY B., F . S . A ., Consulting Actuary, Milliman & Robertson, Inc, ,Two Pennsylvania Plaza, New York, N . Y. 10001
1975
TULLOCH, JOHN A., F . S .A . , A. C . A., Vice-President and Actuary,National Services, Inc . , Columbus, Ohio 43216
1969
TURBERG, PHILLIP A ., F. S . A ., A. F . A. A., Vice-President, Huggins & Co ., Inc, ,1401 Walnut St ., Philadelphia, Pa. 19102
*1965
TURNER, JOHN G ., F . S . A . , Vice-President, Group, Northwestern National LifeIns . Co., Minneapolis, Minn . 55440
1969
TURNER, PHILIP C ., F, S . A ., Group Actuary, Penn Mutual Life Ins . Co .,Philadelphia, Pa. 19172
1968
TURNER, RAYBON E,, F . S .A., Vice-President and Actuary, United Family Life 1971Ins . Co., Atlanta, Ga. 30301
TURNER, SAMUEL H., F. S. A., F . C. A., Vice-President, Tillinghast & Co ., Inc . , 1970Tower Place, 3340 Peachtree Rd., N,E., Atlanta, Ga . 30326
TURNQUIST, JACK M., F. S, A, , F. C . A, , Vice-President, Tillinghast & Co., Inc ., *1965814 Carillon Tower, E . , Dallas, Texas 75240
TUROFF, JOHN H ., F, S. A. , Assistant Mathematician , John Hancock Mutual LifeIns . Co., Boston, Mass. 02117
1966
TUTTLE, GAIL L., A, S, A, , Controller, State Farm Life Ins . Co., Bloomington, 1966Hl, 61701
T WINNEY, MARC M, , JR., F.S.A., M. C . A., Manager , Pension Dept ., 1966Ford Motor Ca ., World Headquarters, Dearborn, Mich . 48121
TWOMEY, LEONARD N,, 7 Ridgewood Dr ., Frankfort, Ind . 46041 1966TYLER, WILLIAM K. . F. S. A., Assistant Vice-President,
Ins . Co., Fort Wayne, Ind . 46801Lincoln National Life 1974
116 Members
Enrolled
UCHITEL, MILL R, F. S, A ., M . C . A . , Consulting Actuary. Actuarial 1974
Services, Inc ., 1640 Vaux Hall Rd., Union, N. J . 07083UHTHOFF, DUNBAR R. , F . C . A .S., Cape Carteret, Swansboro, N . C. 28584 *1965ULLMAN, RICHARD E., F . S, A., F . C . I . A., Director, Actuarial Services, 1967
Blue Cross-Blue Shield of Greater New York, New York, N. Y. 10017
UNISTEAD, RICHARD D ., F . S . A ., Actuary, Durham Life Ins . Co., Raleigh, 1966
N. C. 27611UNDERWOOD, CHARLES M., H, A. S . A ., Actuary, Maryland bile Ins . Co. of 1973
Baltimore, Chicago, ill. 60601UNRUH, HENRY C ., F, S. A ., Chairman of the Board, Provident Life & Accident *1965
Ins . Co. , Chattanooga, Tenn, 37402UPCHURCH, GARLAND R, , Senior Vice-President and Actuary, United Educators 1967
Life Ins . Co , Framingham, Mass . 01701UTTER, ROBERT G ., F . S .A., Assistant Actuary, Bankers Life Co. , Des Moines, 1971
Iowa 50307
VALERIUS , NELS M., F, C . A, S ., 94 Maple Hill Ave ., Newington, Conn . 06111 *1965VANCE, JEROME H . , F S . A. , Consultant , Tillinghast & Co., IBM Bldg., 1969
815 S. Main St . , Jacksonville, Fla . 32207VAN CLEAVE, MARVIN E ., A . C . A .S., A . C . A,, Assistant Deputy Commissioner, 1966
Office of Commissioner of Ins ., State of Wisconsin , Madison, Wis . 53702VANDERHOOF , IRWIN T., F, S, A ., A, C . A . S ., Vice-President , Equitable Life *1965
Assur . Soc ., New York , N. Y. 10019VANDERSCOFF, DAVID P, , F . S . A, , Actuary, Manhattan Life Ins . Co., New York, 1975
N. Y. 10019VAN DYIO;, JAMES H , A. S A., Director . Pension Systems, Continental Assur. Co., 1971
Chicago, Ill . 60685VAN FLEET , GEORGE, F.C . A., Consulting Actuary, 1803 Exposition , Austin, *1965
Texas 78703VAN HOUSE, CHARLES L ., SR., A, C . A ., Senior Vice-President , Administrative 1966
Div., Coastal States Life Ins . Co ., Atlanta, Ga. 30309VAN KEUREN, DONALD J ., F . S . A . , 79 Ridge Rd., Glen Rock, N . J. 07452 *1965VANN, THOMAS P ., A . S . A ., Assistant Actuary, Jefferson Standard Life Ins . Co., 1975
Greensboro , N. C . 27420VARCOE, F. TURNER, A. S . A ., Vice- President and Actuary, Southern Farm 1966
Bureau Life Ins . Co ., Jackson, Miss . 39205VARGA, GEORGE J ., F.S.A ., 2610 Schaaf Dr ., Columbus, Ohio 43209 *1965VARNEY, MAURICE E„ Second Vice -President , Transamerica Life Ins. & 1971
Annuity Co ., Diamond Bar , Calif . 91765VAS, ELIZABETH M. (Mrs .), 196 E . 75th St ., New York, N. Y . 10021 1968VASQUEZ, RALPH A ., A.S. A ., Senior Actuarial Assistant , Metropolitan Life 1970
Ins . Co., New York, N. Y. 10010VATH, ROBERT A., A. S . A ., Computer Systems Manager , Ohio National Lite 1968
Ins. Co., Cincinnati, Ohio 45201VAUGHT , JOHN E., F, S . A . , Vice- President and Actuary , Frank B , Hall, 1971
549 Pleasantville Rd ., Briarcliff Manor, N . Y. 10510VAUTRAVERS, RICHARD W., F. S . A . , Actuarial Assistant , Bankers Life Nebraska, 1974
Lincoln, Nebr . 68501VAZQUEZ-CRUZ , RUPERTO, A, C A., Consulting Actuary and Professor of 1967
Statistics , University of Puerto Rico, Box 22872 , U . P . R. , San JuanPuerto Rico 00931
VEHEC, ROBERT F ., F . S . A, , Assistant Vice - President, Huggins & Co., 19711401 Walnut St ., Philadelphia , Pa. 19102
VEIT, KENNETH P., F, S, A, , Vice- President , Aetna Variable Annuity Life 1967Ins . Co ., Hartford , Conit . 06115
VENETAKIS , BASIL , A. C. A., J. H. Briscoe & Assoc., Inc ., 307 N. Michigan, 1971Chicago , Ill . 60601
VERHAGE, PAUL A., F . C . A . S . , Vice -President and Actuary, Sentry Ins., 1966Stevens Point , Wis . 54481
VERNIER, RONALD W., A . S.A ., Travelers Ins . Co ., Hartford , Conn. 06115 1975V ETTER, LESTER H . . A . S . A ., 911-D Honda Sevilla , Laguna Hills , Calif. 92653 1966VICINO, GERARD A., F. S . A . , Actuary , Hartford Life Ins . Co , , Hartford, *1965
Conn. 06115
Members 117
EnrolledVICTOR, DAVID J ., F . S, A., Second Vice-President and Associate Actuary, 1970
Equitable General Corp ., 8150 Leesburg Pike, Vienna, Va . 22180VIETOR, CARL F, , JR, , 15 Norcross St,, Rockville Centre, N . Y. 11570 1966VILLA, BERNARD J . , F .S.A., F, C . I. A. , Actuary, Metropolitan Life Ins . Co., 1966
New York, N. Y. 10010VINCENT, LEWIS A. , F . C . A . S . , Carter Rd . , P .O. Box 9, New London, *1965
N, H, 03257VODOPICH, DONALD R., President, Philibert and Vodopich, Inc, , Box 12031, 1969
Northside Station, Atlanta, Ga . 30305VOGEL, JULIUS, F, S. A, , Senior Vice-President, Prudential Ins . Co., Boston, *1965
Mass. 02199VOGT, ANDREW, F . S, A . , Chief Actuary, Standard Life Ins, Co. , Indianapolis, *1965
Ind. 46205VON GELDERN, ROBERT H ., F . S, A . , Actuary, Home Life Ins. Co., New York, 1966
N, Y, 10007VON WALLMENICH, THEODORE, F, S . A. , Assistant Actuary, National Life 1973
Ins . Co., Montpelier, Vt. 05602VORA, SHANTILAL A. , F .C .A., A . S . A, , F . C . I. A . , F . F. A, A, , Consulting 1967
Actuary, Bruce & Assoc ., Midway Executive Manor, 11 N, Skokie Blvd .,Lake Bluff, Ill . 60044
VOSE, ROBERT W, , F, S, A ., Associate Actuary, Connecticut General Life Ins . Co., *1965Hartford, Conn. 06152
VOSS, CARL W ., A, S . A ., Consulting Actuary, William M . Mercer, 1975222S . Riverside, Chicago, Ill, 60606
WAASER, GEORGE T,, JR., A . S. A ., Vice-President and Associate Actuary, 1966Equitable Life Assur . Soc ., New York, N. Y. 10019
WACHSPRESS, HOWARD L . , F, S . A . , Associate Actuary, Travelers Ins, Co., *1965Hartford, Conn. 06115
WADE, JOHN E . , F, S . A. , Second Vice-President and Associate Actuary, 1969Life Ins . Co . of California, San Francisco, Calif . 94111
WADE, ROGER C., A . C . A . S . , Volkswagen Insurance Co ., St . Louis, Mo, 63141 1971WAGNER, ALFRED J ., A.S . A ., Actuarial Technician, Equitable Life Assur . Sac , 1966
New York, N. Y. 10019WAGNER, EDWARD W., A . F, A. A. , Executive Vice-President, Computronics, Inc ., 1970
219 W. Second St, , Little Rock, Ark . 72201WAGNER, EHRHARDT H. , 2049 Buckingham Rd., Richardson, Texas 75080 1966WAGNER, RUSSELL L., F . S, A. , President, National Life & Accident Ins . Co., *1965
Nashville, Tenn. 37250WAGNER, VIRGIL D , F, S. A ., A. C . A ., Consulting Actuary, H, Raymond 1966
Strung & Co., 511 N. Akard, Dallas, Texas 75201WAHLBERG, DEAN A., F . S . A, , Vice-President and Actuary, Minnesota Mutual *1965
Life Ins . Co., St, Paul, Mum. 55101WAHLSTROM, RICHARD W., A . S . A, , F. C . A., Actuary, Johnson & Higgins, 1969
Financial Center, Seattle, Wash . 98161WAIN, CHRISTOPHER H., F . S . A, , Vice-President and Associate Actuary, *1965
Prudential Ins . Co., Newark, N . J. 07101WAITE, JOHN L., F, S, A, , Assistant Actuary, Group Division, Aetna Life Ins, Co ., 1971
Hartford, Conn. 06115WAITES, G. FRANK, F . S . A ., F . C, A ., Coates, Herfurth & England, Consulting *1965
Actuaries, 320 California St ., San Francisco, Calif . 94104WAKELY, DAVID N ., F . S .A., Wakely & Assoc., Inc., 1467 Belleair Rd., *1965
Clearwater, Fla . 33516WALKER, CHARLES N., F . S . A, , Vice-President, New England Mutual Life *1965
Ins . Co. , Boston, Mass. 02117WALKER, DARREL E. , A. C. A., Manager, Group Pension Sales, Northwestern 1971
National Life Ins . Co., Minneapolis, Minn . 55440WALKER, GERALD T ., F, S, A ., Vice-President and Actuary, Western Life 1970
Ins . Co ., St . Paul, Minn. 55102WALKER, HARRY, F. S. A., President, Equitable Variable Life Ins . Co., *1965
New York, N. Y. 10019WALKER, J. BARRETT, F . S, A . , F . C .I.A. , Vice-President and Director, 1966
U. S . Division, Canada Life Assur Co ., Toronto, Ontario M5G 1R8
118 Memmabers
Enrolled
WALKER, MARGARET (Miss), F, S . A . , F . F . A . A., 561 C Calle Aragon, *1965
Laguna Hills, Calif . 92653WALKER, RALPH P., F, S, A. , Vice-President and Senior Actuary, *1965
Wisconsin National Life Ins . Co., Oshkosh, Wis 54901WALKER, ROBERT W., F . S . A . , Director, Policyowner Services Dept., *1965
Northwestern Mutual Life Ins. Co., Milwaukee, Wis . 53202WALL, ROBERT H ., A . S. A., Second Vice-President, Actuarial, USLIFE Corp. , 1966
New York, N . Y. 10038WALL, WILLIAM R ., Vice-President and Actuary, Southern Life Ins. Co 1966
Greensboro, N . C. 27420WALLACE, GEORGE E,, F . S . A ., Senior Vice-President, John Hancock Mutual *1965
Life Ins . Co., Boston, Mass . 02117WALLACE GEORGE R., F . S . A . , F . C . I, A . , Vice-President and Actuary, 1966
Zurich, Life Ins . Co. of Canada, Toronto, Ontario M5H 3C4WALLACE, JOSEPH J ., JR ., A, S . A., Second Vice-President and Associate 1J69
Actuary, All American Life Casualty Co., Chicago, Ill, 60631WALLACE, M, G, ROY, F . S . A . , F . C . I . A . , Vice-President and Senior Actuary, *1965
Loyal Protective Life Ins . Cc,, Boston, mass . 02215WALLACE, ROBERT E . , F . C, A, , Staff Actuary, George B Buck Consulting *1965
Actuaries, Inc ., Two Pennsylvania Plaza, Nea York, N Y . 10001
WALLACH, MAXIMILIAN, F . C . A., Superintendent of Insurance, District of 1970Columbia Dept . of Ins ., District of Columbia Government, Washington,D. C . 20001
WALLS, CHARLES L„ F .S.A., Daskais & Walls, Inc., 2 N. Riverside Plaza, 1966
Chicago, Ill, 60606WALMSLEY, HOWARD C ., F . S . A . , Comptroller, Ohio National Lite Ins. Co ., *1965
Cincinnati, Ohio 45201WALSH, ALBERT J . . F, C . A . S., Vice-President and General Manager, *1965
Automobile Club of Southern Calif„ Los Angeles, Calif . 90007WALSH, THOMAS G ., F . S . A . , Actuary, Teachers Ins . & Annuity Assn , 1970
College Retirement Equity Fund, New York, N . Y. 10017WALSH, WILLIAM J ., F, S . A, , Assistant Actuary, Valuation Division, 1975
Prudential Ins . Co., Newark, N . J . 07101WALTER, ALFRED A ., F . S. A . , President, NARe Life Service Co ., Palo Alto, *1965
Calif . 94304WALTERS, MAVIS A., A . C . A . S . , Assistant Vice-President, Insurance Services 1974
Office, 910 17th St ., N . W . , Washington, D C . 20006WALTERS, MICHAEL A., F, C, A . S . , Associate Actuary, Insurance Services Office, 1973
160 Water St., New York, N, Y, 10038WALTON. C. KINGSLEY, F, S . A. , Consulting Actuary, 1950 N, Tamarind, 1970
Los Angeles, Calif . 90028WARD, E, EARL, A. S . A ., Marketing Actuary, Mutual Security Life Ins . Co. , 1966
Fort Wayne, Ind . 46805WARD, ROBERT G ., F, S . A . , Vice-President, Insurance Operations, *1965
Provident Mutual Life Ins . Co., Philadelphia, Pa. 19101WARD, WILLIAM D., A.S . A . . Manager, Tax Planning, Aetna Life & Casualty, 1966
Hartford, Conn, 06115WARD, WILLIAM F ., F . S . A., Executive Vice-President, Mutual Benefit Life *1965
Ins, Co., Newark, N . J. 07101WARD-SMITH, KENNETH, Senior Vice-President and Chief Actuary, Life & 1966
Casualty Ins, Cc of Tennessee, Nashville, Tenn. 37219WARE, JOHN K., F . S . A, , Vice-President & Actuary, Johnson & Higgins of Hawaii, 1974
745 Forte St, , Honolulu, Hawaii 96813WARNER, DAVID T ., F, S, A, , Associate Underwriting Officer, Provident Mutual 1966
Life Ins . Co. , Philadelphia, Pa, 19101WARTERS, DENNIS N., F, S. A,, Consultant, Bankers Life Co , Des Moines, *1965
Iowa 50307WARTH, ROBERT C., F, S . A ., Manager, A . L . U . -Tech. Services, State Farm 1971
Life Ins . Co., Bloomington, Ill . 61701WATKINS, LE ROY T, , F, S . A ., Executive Vice-President and Chief Operating 1966
Officer, International Consulting Actuarial Services, Inc, . 120 Delaware Ave .,Buffalo, N . Y. 14202
WATSON, CHARLES B, H ., F . S, A ., F . C, I. A ., F . C . A., Manager and Actuary, *1965International Division, The Wyatt Co . , 1629 K St., N . W. , Washington,D. C. 20006
Memberr 119
EnrolledWATSON, GEORGE N. , F .S.A., F. C . I. A . , Senior Vice - President , Crown Life 1066
Ins . Co, , Toronto , Ontario M4W 1138WATSON, JOSEPH L, , A, S . A, , Statistician, Group Life and Health, New England 1966
Mutual Life Ins . Co ., Boston, Mass. 02117WATSON, WILLIAM E ., F . S . A. , General Manager and Actuarial Director, 1970
Prudential Ins, Co ., Jacksonville , Fla. 32201WATSON, WILLIAM T., A . S . A. , 124 S . Park Ave., Rockville Centre, N, Y, 11570 1966WEAVER, ALLAN C . . F . S. A ., New York Life Ins. Co., New York, N. Y. 10010 1974WEAVER, ARTHUR G . , F, S . A ., F, C, I . A., President, Eaton Life Assur. Co., *1965
Toronto, Ontario M5G IK4WEBB, BERNARD L., F . C . A.$., Professor of Actuarial Science and Ins. , 1966
Georgia State University, 33 Gilmer St ., S . E ., Atlanta, Ga. 30303WEBB, JAMES O. , JR. , A, C. A, , (Treasurer), Vice-President , Blue Cross- 1966
Blue Shield. 233 N. Michigan , Chicago, Ill . 60601WEBB, ROBERT J ., A . S. A., Associate Actuary, The Wyatt Co., 1900 Republic 1971
National Bank Tower, Dallas , Texas 75201WEBER, DAVID P,, Vice-President and Treasurer , Fort Dearborn Life Ins. Co„ 1968
Chicago, Ill . 60601WEBER, MICHAEL E ., A. S.A., Vice-President and Actuary , Southwestern General 1966
Life Ins. Co. , Dallas, Texas 75221WEBSTER, ANDREW C ., F. S. A ., F. C . A ., 269 Millard Ave., North Tarrytown, *1965
N. Y. 10591WEBSTER, DAVID A, , F, S . A,, Vice- President and Chief Actuary, United States 1966
Life Corp ., New York, N, Y. 10038WEBSTER, LAWRENCE B ., A.C .A., Scott , Tellier & Co., 4131 N. 24th St., 1966
Phoenix, Ariz . 85016W EBSTER, LINDSAY M., A, C . A ., Consulting Actuary, 1105 Morgan Ave., 1966
Drexel Hill, Pa, 19026WECK, FRANK A . , F . S . A . , F . C . I . A . , Rt. 1, Box 748, Punta Gorda, Fla, 33950 *1965WEDDELL, THOMAS A., F, S, A ., William M, Mercer, Ltd ., 1075 W. Georgia, 1975
Vancouver , British Columbia V6E 3E6WEICHEL, ROBERT J., F . C . A., A. F . A . A ., Consulting Actuary, Merriman & 1967
Weichel, Scranton National Bank Bldg ., Scranton , Pa. 18503WEICHERT, PAUL L., F . S. A. , Consulting Actuary, M, L, Gold & Co., 1969
39 S. Fullerton Ave ., Montclair, N, J. 07042WEILL, DORANCE B . (Miss), F, S . A. , Actuarial Associate , Metropolitan Life *1965
Ins. Co., New York, N. Y. 10010WEIMER, ROBERT A., A, S, A . . Group Actuary, Bankers Life Nebraska , Lincoln, 1966
Nebr, 68501WEINBERG, ABRAHAM A., A . C . A., Consulting Actuary, 14 E . Jackson Blvd., 1966
Chicago, 111 . 60604WEINSTEIN, LOUIS, F, S, A., F, C . A., President, Louis Weinstein Co, , Inc., 1966
115 Willow St., Brooklyn, N, Y. 11201WEINSTEIN, MAX S., F . S . A ., F . C, A, , A. C . A. S., Consulting Actuary, *1965
17 Elk St ., Albany, N. Y. 12207WEISBROD, MARVIN L., Equity Funding Corp., Los Angeles . Calif. 90067 1970WEISLEDER, STANLEY, M . C.A., A, F . A . A ., President, Actuaries Unlimited, Inc., 1966
420 Lexington Ave., New York, N . Y. 10017WEISS, KAREN J, (Miss ), F . S . A . , Assistant Actuary, Northwestern Mutual Life 1975
Ins . Co. , Milwaukee, Wis. 53202WEISS, WILLARD A., F.C.A ., Partner and Actuary, Eugene M . Klein & Assoc. , *1965
1000 Superior Bldg ,, Cleveland , Ohio 44114WEISS, LOUIS M., F . S . A . , Associate Actuary, New England Mutual Life Ins . Co., 1970
Boston, Mass. 02117WELCH, DONALD B., F, S, A, , Assistant Actuary, National Life Ins . Co. , 1975
Montpelier , Vt. 05602WELCH, JOHN H., F . S . A ., Associate Actuary , John Hancock Mutual Life Ins . Co., 1970
Boston, Mass . 02117WELCH, JOHN P., F, C, A . S ., Vice-President and Actuary , Security Ins. Co., 1968
Hartford , Conn. 06105WELCH, ROBIN B ., F . S .A., Second Vice-President and Actuary , New York Life 1970
Ins. Co., New York, N, Y. 10010WELCH, RONALD J ., F . S. A., Vice- President and Associate Actuary, 1975
American National Ins . Co., Cfalveston, Texas 77550
120 Members
WELLER, WILLIAM C., F, S, A , Associate Actuary, National Liberty Corp .,Malvern, Pa. 19355
WELLMAN ALEX C, A . S. A . , A. C . A. S . , 638 Ridge Rd, Roebuck Springs,Birmin
,gham , Ala, 35206
WELLS, EDWARD H ., F, S, A ., 20 Berkeley Rd., Millburn, N. J . 07041WELLS, WALTER I., A . S . A ., A. C . A. S ., 7 Pinewood Dr ., West Boylston,
Mass. 01583WELSH, CHARLES A., F, S,A,, Actuary, Marsh & McLennan, Inc .,
11 S . Tenth St., Richmond, Va. 23215WELSH, DAVID M ., F . S . A. , Associate Actuary, John Hancock Mutual Life
Ins . Co ., Boston, Mass . 02117WELSH, PATRICK, F . S . A, , Actuary, Carlin Black Co., 1930 Bishop Ln.,
Louisville, Ky . 40218WENDT, EDWARD G, JR., F . S. A . , Vice-President and Group Actuary,
New York Life Ins,. Co., New York, N. Y. 10010WENDT, RICHARD K ., F. S . A„ Vice- President , Family Life and Health,
Nationwide Ins. Cos., Columbus, Ohio 43216WENDT, RICHARD Q ., F . S . A ., Actuary, Penn Mutual Life Ins . Co ., Philadelphia,
Pa. 19172WENDT, WILLIAM R., Vice-President , Administration, California-Western States
Life Ins . Co., Sacramento, Calif, 95825WENNER. RICHARD M., F . S. A . , Actuary, Corporate Actuarial Dept, ,
Aetna Life & Casualty, Hartford , Conn. 06115WERTHEIMER, JAMES L., A . S . A ., Assistant Actuary, Insurance Company of
North America, Philadelphia, Pa . 19101WEST, CHARLES E ., F, S . A, , 720 Cedar Grove Rd., R. D, Box 71, Media,
Pa, 19063WEST, CHARLES S., A. C A . . Vice-President and Actuary, State Reserve Life
Ins . Co., Fort Worth, Texas 76101WEST, THOMAS M ., F, S . A, , Second Vice-President and Manager of Equity Dept .,
Lincoln National Life Ins . Co., Fort Wayne, Ind . 46801WHITREY, EDWIN N., F . S. A . , 1521 Riverside Ave ., Muncie, Ind. 47303WHITBREAD, FRANK G ., F, S . A., A, C . A, S ., 4705 Arlington Ave ., Fort Wayne,
Ind. 46807WHITE, AUBREY, F, S . A. , F . C . I. A. , Manager, Peat, Marwick , Mitchell & Co. ,
1500 Walnut St . , Philadelphia, Pa . 19102WHITE, GEOFFREY B, , F, S . A. , F . C .I .A. , Vice-President and Director,
William M. Mercer, Ltd ., 1 Place Ville Marie, Montreal, Quebec H3B 2A6WHITE, H. EDMUND, F.S.A., Senior Consultant , Peat, Marwick, Mitchell & Co.,
One Boston P1, , Boston , Mass. 02108WHITE, JOHN G., JR., M, C, A., Pension Consultant , The Wyatt Co . ,
1400 Investment Plaza, Cleveland, Ohio 44114WHITE, RICHARD E, , F . S . A . , Consulting Actuary , Actuarial Consultants. Inc .,
Houston, Texas 77027WHITE, WILLIAM A ., F . S . A, , Chief Actuary, State of New Jersey, Dept, of Ins.,
Trenton, N. J. 08625WHITE, WILLIAM D, , F . C . A. S ., Woodward & Fondiller, Division of
Martin E . Segal Co., 57 Post St ., San Francisco, Calif . 94104
WHITE, WILLIAM M ., JR ., F . S .A, , Director of Government Relations,Connecticut General Life Ins. Co.. Hartford , Conn . 06152
WHITELEY, BENJAMIN R, , F . S.A,, Vice-President, Group Iris .,
Standard Ins . Co., Portland, Oreg . 97207WHITING, DOUGLAS B, , 175 Little Pond Rd . , Concord, N, H . 03301
WHITLEY, CHARLIE T ., F . S. A., Vice-President and Associate Actuary,Integon Life Ins. Corp ., Winston-Salem, N, C, 27102
WHITNEY, ROBERT L, , F . S . A ., Vice- President and Chief Actuary,National Liberty Corporation, Valley Forge, Pa. 19481
WHITON, ALBERT E., A. S . A ., Assistant Actuary, Travelers Ins. Co., Hartford,Conn. 06115
WICKS, GEORGE C., A . S. A. , Manager, Peat, Marwick, Mitchell & Co .,
1510 Chestnut St ., Philadelphia. Pa. 19102WIERKE, HAROLD G . , F . S.A., Vice-President and Actuary, Equitable Life
Assur. Soc., New York, N. Y. 10019WIEDER, JOHN W ., JR ., F. C . A. S ., Vice-President and Actuary, Aetna Life &
Casualty, Hartford, Conn . 06115
Enrolled1972
1966
*19651966
1968
1971
1974
t1965
*1965
1975
1966
1973
1972
*1965
1966
1970
*1965*1965
*1965
1966
1970
1970
1975
*1965
1971
*1965
*1965
19661970
*1965
1966
1966
*1965
*1965
11.1embers 121
EnrolledWIESE, THEODORE O, , JR., F, S . A . , Actuary, The Wyatt Co. , 1970
1400 Investment Plaza, Cleveland, Ohio 44114WIGHTMAN MARY G. (Mrs.), Partner, Hewitt Associates, 102 Wilmot Rd ., 1967
Deerfield , Ill . 60015WILCOX, ROBERT E., A . S . A ., Consulting Actuary, RR Box 269, Alpine, 1971
Utah 84003WILDE, PETER R ., F . S .A., Vice - President , Aetna Ins , Cc,, Hartford, *1965
Conn. 06152WILKENING, ROBERT F, , A, S. Hansen, Inc ., First International Bldg. , 1970
Dallas, Texas 75270WILLEMIN, RICHARD J, , F S . A ., F . C, I, A, , Actuary . Metropolitan Life Ins Co_ , *1965
New York, N. Y. 10010WILLETT, ROBERT B, , F, S, A., Second Vice-President and Associate Actuary, 1970
Pilot Life Ins . Co, , Greensboro, N . C. 27420WILLIAMS, C. ARTHUR, JR., Professor of Economics and Iris., Umv, of 1968
Minnesota, Minneapolis , Minn. 55455WILLIAMS, CHARLES D, III, F . S . A ., Senior Vice-President and Chief Actuary, 1966
Jefferson National Life Ins , Co . , Indianapolis, Ind. 46204WILLIAMS, DEAN E., F . S . A, , Vice-President, General American Life Ins, Co . , *1965
St, Louis, Mo 63166WILLIAMS, DEWEY G ., F . C . A . S., Senior Vire-President, Employers' Ins . of *1965
Texas, Dallas, Texas 75221WILLIAMS, EDWARD B . , F . S . A, , 151 Country Club Dr. , Manhasset, N. Y. 11030 *1965WILLIAMS, HARRY V., F, C, A, S ., Chairman of the Board, Hartford Ins . Group, *1965
Hartford, Conn, 06115WILLIAMS, JEFFREY W ., F . S, A, , Assistant Actuary, Travelers Ins . Co., 1975
Hartford, Conn, 06115WILLIAMS, JOHN H . , F . C . A ., President and Chief Executive Officer, George B. *1965
Buck Consulting Actuaries, Inc ., 2 Pennsylvania Plaza, NewYork, N Y, 10001WILLIAMS, JOHN HARRY, F, C, A, , Principal, Coopers & Lybrand, 1966
1251 Avenue of the Americas, New York, N. Y. 10020WILLIAMS, JOHN R . , F . S . A, , Vice-President, Lincoln National Life Ins, Co . , *1965
Fort Wayne, Ind, 46801WILLIAMS, P. ADGER, F, C . A. S . , Vice-President, Travelers Ins. Co., Hartford, *1965
Conn, 06115WILLIAMS, W. THOMAS, A. C, A . S ., Actuary, Financial Planning Computer Corp, , 1968
9000 Harry Hines, Dallas, Texas 75235WILLIAMS, WILLIAM A., JR., A . S. A ., Associate Actuary, The Wyatt Co., 1975
200 First National Bldg . , Detroit, Mich . 48226WILLIAMSON, W, RULON, F . S. A, , F, C, A. S, , Windsor Hall, 519 Palisado Ave ., *1965
Windsor , Conn. 06095WILLIAMSON, WILLIAM R . JR, A . S A , Manager, Metropolitan Life Ins, Co., 1966
New York, N . Y. 10010WILLS, THOMAS L, , F, S, A, , Actuary, Group Division, Aetna Life & Casualty, *1965
Hartford, Conn. 06115WILLSEY, LYNN W ., F, C . A . S ., Vice-President and Actuary, Group Dept . . *1965
Travelers Ins . Co., Hartford, Conn . 06115WILSON, ALLEN F., A, C . A., Assistant Vice-President and Assistant Actuary, 1972
Bernard R, Mcidinger & Assoc., Inc , 2440 Grinstead Dr , Louisville,Ky. 40204
WILSON, CHARLES, F, S . A., Vice-President and Reinsurance Actuary, 1968Republic National Life Ins, Co,, Dallas, Texas 75204
WILSON, CHARLES E., A. S . A ., Vice-President, Teachers Ins, & Annuity Assn., 1966New York, N Y . 10017
WILSON, GERALD I ., F . S. A., F, C . I. A, , Partner, Hewitt Associates, 1967102 Wilmot Rd ., Deerfield, Ill, 60015
WILSON, JAMES C ., F, C . A. S. , Integon Indemnity Corp., Winston-Salem, *1965N. C. 27102
WILSON, MARY CUSIC (Mrs,), F, S, A., F, F . A, A ., 1543 1/2 22nd Ave., *1965Rock Island , Ill . 61201
WILSON, ROSS J., A, S A_ , F. C . A, , Stone, Young & Co ., P . O. Box 828, 1966Upper Montclair, N. J. 07043
WILSON, WALLACE W., F . S. A, , A . C . A, , Actuary, The Wyatt Co., 19759595 N Kendall Dr ., Miami, Fla . 33156
WILSON, WILMER W ., JR., 1646 Fairfax, Denver, Colo, 80220 1967
122 Members
EnrolledWINDECKER, ARTHUR A., F . S . A . , 102 Coleman Ave ., Chatham, N . J. 07928 *1965WINER, WARREN J ., F . S . A . , Assistant Actuary, General American Life Ins . Co., 1975
St. Louis, Mo . 63166WINKELSTEIN, JEROME, F, S . A. , Associate Actuary, Coastal States Life Ins . Co., 1975
Atlanta, Ga . 30343WINKENWERDER, RICHARD A., F . S . A., Consulting Actuary, Milkman & *1965
Robertson, Inc„ 914 Second Ave ., Seattle , Wash, 98104WINN, MICHAEL R., F . S .A., Associate Actuary, Reinsurance, Business Men's 1973
Assur. Co. of America, Kansas City, Mo . 64141WINNIS, WILLIAM H ., M, C . A., Actuarial Director, The Handel Group, Inc., 1966
53 Academy St ., Poughkeepsie, N . Y. 12601WINSLOW, HENRY N, , F . S . A. , Associate Group Actuary, John Hancock Mutual *1965
Life Ins. Co., Boston, Mass . 02117WINSOR, ROBERT F . , A, S, A ., Assistant Actuary, Jefferson Standard Life 1970
Ins. Co., Greensboro, N . C. 27420WINTER, ARTHUR E ., A. C . A .S., Assistant Director, Financial Statements, 1971
Travelers Ins, Co ., Hartford, Conn . 06115WINTER, BERT A, , F . S . A . , Vice-President and Actuary, Prudential Ins. Co. , *1965
Newark, N. J. 07101WINTERFIELD, MICHAEL R., F.S,A., Associate Actuary, Hartford Life Ins . Co , 1975
Hartford, Conn. 06115WINTERS , HERBERT A, , A . F . A. A ., A, S, A ., Insurance and Business Consultant, 1966
222-4 Jeffery Bldg ., 3202 Wesleyan, Houston, Texas 77027WINTERS, ROBERT C, , F, S . A , (President-Electl, Senior Vice-President, *1965
Prudential Ins . Co., Fort Washington, Pa. 19034WIRTH, WILLIAM C„ F.S.A., Senior Vice-President , Life Ins . Co. of Virginia, *1965
Richmond, Va 23261WISDOM, EUGENE, F,S,A., Associate Professor of Actuarial Science, *1965
University of Texas, Austin, Texas 78712WISHART, ROBERT A ., A . S . A., F . C . A., 49 Adams Ave., Short Hills, *1965
N. J. 07078W ISKOWSKI, JOHN P., A. S, A ., M, C, A ., Vice-President, Kwasha Lipton Inc., 1969
429 Sylvan Ave . , Enalewoud Cliffs, N. J. 07632WITT, RONALD E., A, S, A ., Actuary, Weyerhaeuser, Tacoma Bldg ., Tacoma, 1971
Wash. 08401WITTENBERG, CHARLES. A . S . A., A, C, A., Vice-President, Reinsurance, 1973
Continental Assur . Co. , Chicago , Ill . 60685WITTLAKE . J. CLARKE, A. C, A. S. , A . C . A., President, Business Men's 1966
Assur. Co. of America, Kansas City, Mo . 64141WITTLICH, JAE L ., F, S . A . , Assistant Vice-President and Actuary, Allstate Life 1971
Ins, Co., Northbrook, 111, 60062WOBBEKING, RONALD L., F. S . A. , Assistant Vice-President and Actuary, 1971
North American Life & Casualty Co ., Minneapolis, Minn. 55403WOHLNER, ELLIS A ., A.S,A,, Actuary, Folksam lab Group, Fack S-104 60, 1970
Stockholm 20, SwedenWOJCIK, EDWARD J, , F. S . A, , Associate Actuary, Hospital Service Corp ., 1966
233 N, Michigan, Chicago, Ill . 60601WOJCIK, WALT ,I , A. S . A. . A C. A, , Senior Vice-President and Chief Actuary, 1969
Montgomery Ward Life Ins . Co., Chicago, 111 . 60603WOLF, HERBERT S., F .C.A. , Partner, Wolfman & Moscovitch, 222 W, Adams St . . 1966
Chicago, Ill . 60606WOLF, RICHARD S., F . S . A . , Associate Actuary, Life Ins. Co. of Georgia, 1969
Atlanta, Ga . 30308WOLFE, JAY A., F . S . A., Actuary, The Wyatt Co., 9595 N . Kendall Dr., Miami. 1975
Fla. 33156WOLFENDEN, JAMES D., A . S . A., Vice-President and Chief Actuary, 1971
Columbian Mutual Life Ins . Co., Binghamton, N . Y. 13902WOLFMAN, MAURICE, F. S . A ., F . C . A ., Partner, Wollman & Muscovitch, *1965
222 W . Adams St ., Chicago, Ill . 60606WOLFSON, IRVING S ., F, S. A, , Senior Vice-President, Investments, *1965
Phoenix Mutual Life Ins . Co, , Hartford, Conn . 06115WOLL, RICHARD G., F.C.A. S, , Utica Mutual Ins . Co . , Box 530, Utica, 1975
N. Y. 13503WOLLMAN. MILTON H . , F . S . A , A, F, A. A . . F. C, A. , Vice-President, *1965
Huggins & Co ., Inc ., 1401 Walnut St„ Philadelphia, Pa . 19102
Members 123
EnrolledWONG, DENNIS, F . S . A . , Consulting Actuary, Little, Church and Chapin 1969,
301 E . Colorado Blvd ., Pasadena, Calif . 91101WOOD, CHARLES P . , JR , F. S. A. , A C A S, , Actuary, The Wyatt Co., 1975
1629 K St., N . W . , Washington , D, C. 20006WOOD, DAVID H . , F . S . A ., Associate Actuary, Connecticut General Life Ins . Co. , 1969
Hartford , Conn. 06152WOOD, .1, KENNETH, JR. . A .S . A ., Associate Actuary, Life & Casualty Ins. Co . 1966
of Tenn. , Nashville, Tenn. 37219WOOD, JACK E ., F . S. A. , F . C . A ., Consulting Actuary, Nelson & Warren, Inn , *1965
222 S . Central Ave., St . Louis, Mo. 63105WOOD, JOHN W ., .1R . , F, S . A. , Vice-President and Actuary. S. M. Hyman Co ., * 1965
300 N . Charles St., Baltimore , Md. 21201WOOD, MILTON J ., F . S. A., Consulting Actuary, 16 Wardwell Rd , West Hartford, *1965
Conn. 06107WOOD, R. NORMAN, A. S . A ., F . C . A ., Vice-President, Alexander & *1965
Alexander , Inc ., 2 N . Riverside Plaza, Chicago, Ill . 60606WOODDY. JOHN C, , F . S . A ., A, C, A, S., A. C . A. , Senior Vice-President, *1965
North American Reassur. Co., New York, N. Y 10017WOODMAN, HARRY A., JR., F. S . A, , Vice-President, New York Life Ins . Co., *1965
New York, N. Y. 10010WOODS, CYRIL J., F . S . A, , F, C . I, A., President , C . J . Woods & Associates, 1966
P. O Box 394, Hudson Heights , Quebec JOP 1JOWOODS, H. WAYNE, F . S . A, . Actuarial Associates, Metropolitan Life Ins . Co . . 1975
Ottawa, Ontario K1P 5A3WOODWARD, EUGENE M ., F, 5, A ., Assistant Actuary, New York Life Ins. Co ., 1974
New York, N . Y. 10010WOODWORTH, JAMES H ., A . C, A. S ., Assistant Secretary, Hartford Ins. Group, 1966
Hartford, Conn. 06115WOOLERY, JAMES G., 3207 Sussex Rd ., Raleigh , N . C . 27607 1970WOOLERY, JAMES M ., F . S . A ., A . C . A. S ., 3207 Sussex Rd., Raleigh, N . C . 27607 *1965WOOLEY, JONATHAN L., F . S .A., Associate Actuary, New York Life Ins . Co ., 1973
New York, N . Y. 10010WOOLSEY, E. JOHN, F.S.A., F . C . I. A, , Consultant, Towers, Perrin, Forster & 1972
Crosby, Commercial Union Tower, P.O. Box 281, Toronto-Dominion Centre,Toronto, Ontario M5K lK3
WORKMAN, BRUCE L., M, C, A, , Milkman & Robertson, Inc ., 8990 W. Dodge Rd., 1966Omaha, Nebr . 68114
WORKMAN, LEWIS C ., F . S . A ., Actuarial Vice-President, Central Life Assur . Co , *1965Des Moines , Iowa 50309
WORLEY, JOHN L ., JR., F . S . A . , 5420 Wakefield Dr ., Nashville, Tenn. 37220 1966WRIGHT, BYRON, F . S. A ., F . C . A . S ., P . O Box 177, Arenatsville, Pa. 17303
D t*1965
irecWRIGHT, CARL B ., F . S .A., Second Vice-President and Tax or, 1971Union Mutual Life Ins . Co . , Portland, Maine 04112
W RIGHT, RICHARD F ., F, C . A ., Principal , Peat, Marwick, Mitchell & Co., 19671 Marine Midland Plaza, Rochester, N. Y. 14604
WRIGHT, WILLIAM S . , F . S .A., 179 Midwood Rd ., Glen Rock, N J 07452 *1965WYCKOFF, JOHN F ., 78 Cedar St ., Newington , Conn. 06111 1970WYMAN, RICHARD B., F, S . A, , Vice- President , Sales, SAFECO Life Ins . Co ., 1966
Seattle, Wash. 98185
YAFFE, RIAN M., A. S . A ., M . C . A ., Senior Vice-President and Actuary, 1970S. M, Hyman Co ., 300 N . Charles Center, Baltimore, Md. 21201
YAMANO, HARRY T ., F . S . A ., Consulting Actuary, Marsh & McLeniian, 19693303 Wilshire Blvd ., Los Angeles , Calif . 90010
YANIS, DAVID, F . S . A., F . C . A ., Partner, Hewitt Associates , 600 3rd Ave . , 1966New York, N . Y. 10016
YANKO, JOHN B., F . S, A . , Vice- President and Actuary, Fidelity Union Life 1969
Ins . Co., Dallas, Texas 75221YARDLEY, CHARLES A, F. S.A., Vice-President and Actuary,
**1965
Life Ins. Co., Boston, Mass, 02117New England Mutualll P id t M t l *1965er, rov en u uaYARDLEY, MARY ELLEN (Miss), F . S. A . , Associate Contro
Life Ins . Co ., Philadelphia, Pa. 19101
124 Member ;
EnrolledYATES, DONALD G., F . S . A . , Actuary, Individual Insurance, Liberty National 1968
Life Ins . Co , Birmingham , Ala. 35202YATES, J. ARNOLD , Statistician, Security, Connecticut Life Ins . Co., Hartford, 1966
Conn, 06115YEAGER, W. WARREN, F. S, A, , Consulting Actuary, Leggette and Yeager, Inc ., 1973
4525 Lemmon, Dallas, Texas 75219YEARY, PAUL D, , F . S . A . , Second Vice-President and Associate Actuary, *1965
Western-Southern Life Ins . Co., Cincinnati, Ohio 45202YEN, FRANK T ., A . S . A ., Vice-President and Actuary, Marsh & McLennan, Inc . , 1967
3303 Wilshire Blvd, , Los Angeles, Calif. 90010YENNER, RALPH D„ 3 Arborway, Convent Station, N, J. 07961 1966YLVISAKER, JAMES W . , F . S . A . , Associate Actuary, North American Life & 1974
Casualty Co., Minneapolis , Minn. 55403YODER, ROBERT S ., F . S . A, , President and Chief Operating Officer, *l965
Capital Holding Corp, , Louisville, Ky . 40201YORK, WILLIAM S., F . S. A . , 225 Plaza La Posada, Los Gatos, Calif . 95030 *1965YOUNG, DAVID H., JR., F . S . A . , Senior Vice-President and Chi of Actuary, *1965
Monarch Life Ins, Co , Springfield, Mass . 01101YOUNG, ELIZABETH R, (Mrs .), A, F, A, A ., 4380 Exeter Dr. , Longboat Key, 1969
Sarasota, Fla 33577YOUNG, GEORGE W, , F, S, A, , 17 Long View Rd . , West Hartford, Conn. 06107 *1965YOUNG, GEORGE W ., JR ., F . S . A ., Second Vice-President and Associate Actuary, 1969
Union Mutual Life Ins . Co., Portland, Maine 04112YOUNG, HOWARD, F, S. A. , F . C . 1 . A., Special Consultant to the President, *1965
United Auto Workers, 8000 E . Jefferson, Detroit, Mich . 48214YOUNG, MELVILLE J., F, S. A . , Associate Actuary, General Reassur . Corp. , 1969
Greenwich, Comi . 06830YOUNG, RALPH E„ President, Western Life Ins . Cu ., St . Paul, Minn. 55102 1966YOUNG, ROBERT G ., A, C . A, S . , Management Research Consultant, Aetna Ins . Co., 1969
Hartford , Conn. 06115YOUNG, ROBERT V, , F . S . A ., Investment Counselor, Badgley & Phelps, *1965
IBM Bldg ., Seattle, Wash . 98101YOUNG, THOMAS J, , F, S, A, , Actuary, Equitable Life Ins . Co. , Des Moines, *1965
Iowa 50306YOUNG, THOMAS M ., F .S.A., F . C . I. A, , F. C . A, , President, Stone, Young & Co, , *1965
546 Valley Rd ., Upper Montclair, N . J 07043YOUNG, WALTER, A . S. A., 1500 Greenwood Ave ., Lawrenceville, N. J. 08648 1968YOUNT, HUBERT W, , F . C, A, S ., 33 Ocean Ave, , Riviera Beach, Fla. 33404 *1965
ZARET, FRANK, F, 5, A., Actuary, Metropolitan Life Ins Co., New York, *1965N. Y. 10010
ZATTO, JOSEPH R., F . S . A ., M . C . A ., Vice-President, Alexander & 1966Alexander, Inc ., 2 Peachtree St ., N W., Atlanta, Ga . 30303
ZEFFERT, MARTIN L ., F . S . A, , Senior Vice - President and Actuary, *1965Fidelity Mutual Life Ins . Co. , Philadelphia, Pa. 19101
ZEIGER, EDWARD C ., F, S .A ., Vice-President and Actuary, Guardian Life *1965Ins . Co., New York, N. Y. 10003
ZEILMAN, WILLIAM W, , F . S . A. , Vice-President and Actuary, 1960Massachusetts General Life Ins. Co , Boston, Mass . 02110
ZELLNER, JOHN THOMAS, A, S . A, , Coopers & Lybrand, 2200 First National 1971Bank Tower, Atlanta, Ga . 30303
ZIELINSKI, RICHARD P ., A, 5, A . , Vice-President, M & R Services, Inc.. 1969920 Second Ave ., Seattle, Wash . 98104
ZIEMINSKI, ROBERT M,, F . S . A, , Huggms & Co ., 1401 Walnut St, , Philadelphia, 1973Pa. 19102
ZIMMERMAN, LEONARD B ., F . S, A ., Group Actuary, Teachers Ins . & 1972Annuity Assn , New York, N. Y. 10017
ZINZOW, LEE A ., F . S . A ., Assistant Actuary, Durham Life Ins, Co ., Raleigh, 1975N, C, 27611
ZIOCK, RICHARD W, , F . S . A, , A, C . A . S. , Associate Actuary, 1969Continental Assur. Co., Chicago, Ill . 60685
Member 125
EnrolledZOLLA, GERALD, A, S . A ., Assistant Actuary, United States Life Ins, Co. of 1971
New York, New York, N. Y. 10038ZORY, PETER B ., F . C . A, S . , Actuary , Travelers Ins. Co ., Hartford , Conn. 06115 1966ZUBAY, ELI A, , Vice -President for Academic Affairs, Georgia State University, 1967
Atlanta, Ga . 30303ZWILLING , PAUL R ., F . S . A . , Vice - President and Actuary, National Health & 1967
Welfare Retirement Association , Inc ., 360 Park Ave ., S . , New York,N. Y, 10010
INCORPORATION OF THE ACADEMYThe full text of the Articles of Incorporation of the American Academy
of Actuaries is reproduced on pages 138-42 of the 1973 Year Book, andappears also in prior Year Books . The official Certificate of Incorporation(No. 2948) was issued by the Illinois Secretary of State on April 27, 1966 .
The Articles include the following statement of the purposes of theAcademy :
The purpose or purposes for which the corporation is organized are :
(a) To advance the knowledge of actuarial science, which had its origin in theapplication of the doctrine of probabilities to human affairs and from whichlife insurance, pension plans, casualty insurance , and other analogous institu-tions derive their principles of operation ;
(b) To encourage the consideration of all monetary questions involving , separatelyor in combination, the mathematical doctrine of probabilities and the prin-ciples of interest ;
(c) To promote education in actuarial science and the interchange of informationamong actuaries and among the various actuarial organizations ;
(d) To establish, promote and maintain high standards of conduct and competencewithin the actuarial profession .
In furtherance of these ends the Academy may promote activities to recruit and educatethose who desire to become actuaries and to undertake such other activities as may seemdesirable .
126
BYLAWSOF THE
AMERICAN ACADEMY OFACTUARIES
(THE ACADEMY)(A CORPORATION ORGANIZED UNDER THE
ILLINOIS GENERAL NOT FOR PROFIT CORPORATION ACTAS ADOPTED APRIL 29, 1966 AND LAST AMENDED JAN. 7,1976 .
ARTICLE IMEMBERSHIP AND AFFILIATION
SECTION 1 . Members, Individuals having membership in the Academyshall be called "members."
Members shall be entitled to attend meetings of the Academy, vote, holdoffice , serve as elected Directors, make nominations, serve on committees, andgenerally exercise the rights of full membership . They are authorized todesignate themselves as "members" of the American Academy of Actuariesand to append to their names the initials M.A.A.A. In all references to mem-bers, words implying the masculine gender shall include the feminine gender .
SECTION 2. Requirements for Admission to Membership, Any personmay apply for membership and shall become a member by meeting therequirements contained in this section .
A. Application Each candidate for admission must submit a written ap-plication which shall include a resume of his education , background,and experience, the names of two references who are members, andsuch additional information as the Admissions Committee may request .
B. Education . Each candidate shall have passed , or have received creditfor, the examinations prescribed from time to time by the Board ofDirectors.
C. Experience. Each candidate must , at the date of application , have hadat least five years of experience in responsible actuarial work . "Re-sponsible actuarial work" is defined as work which has required knowl-edge and skill in solving practical actuarial problems in any of thefollowing fields : life and health insurance involving individual policies,group insurance , social insurance, pensions, or property and liabilityinsurance.
D. References . Evidence of character and professional integrity of thecandidate shall have been educed by references from two members who
127
128 Bylaws
have known the candidate for at least eighteen months or from othersources . If the application is rejected on the basis of evidence of lack ofcharacter or professional integrity, the candidate may appeal to theBoard of Directors. The procedures for the conduct of such appeal shallbe as prescribed by the Board .
E Nonresidents. If the candidate is not a resident of the United States, hemust meet such other requirements as are prescribed by the Board ofDirectors .
F. Approval . Each application shall be acted upon by the Admissions Com-mittee and reviewed by the Executive Committee A candidate's appli-cation is accepted (1) if approved by at least 75 per cent of the wholeAdmissions Committee and confirmed by at least 75 per cent of thewhole Executive Committee, (2) if approved by less than 75 per centof the whole Admissions Committee and confirmed by a unanimousvote of the whole Executive Committee, or (3) if disapproved by theAdmissions Committee but approved by a unanimous vote of the wholeExecutive Committee.
SECTION 3 Affiliates. Individuals having affiliate status in the Academyshall be called "affiliates "
Affiliates shall be entitled to attend meetings of the Academy, to serve aselected Directors and to serve on committees of the Academy. They areauthorized to designate themselves as "affiliates" of the American Academy ofActuaries and to append to their names the initials A A A A . 1n all referencesto affiliates, words implying the masculine gender shall include the femininegender .
SECTION 4 Requirements for Admission to Affiliate States . Any personmay apply for affiliate status and shall become an affiliate by meeting therequirements contained in this section .
A. Application . Each candidate for admission must submit a written applica-tion which shall include a resume of his education, background and ex-perience, the names of two references and such additional information asthe Admissions Committee may request .
B. Standards and Qualifications . Each candidate shall be an "enrolled actuary"under subtitle C of title III of the Employee Retirement Income SecurityAct of 1974.
C References Evidence of character and professional integrity of the can-didate shall have been educed by references from two persons who haveknown the candidate for at least eighteen months If the application is re-jected on the basis of evidence of lack of character or professional in-tegrity, the candidate may appeal to the Board of Directors . The pro-cedures for the conduct of such appeal shall be prescribed by the Board
Bylaws 129
D. Approval . Each application shall be acted upon by the Admissions Com-mittee and reviewed by the Executive Committee A candidate's applica-tion is accepted (1) if approved by at least 75 per cent of the whole Ad-missions Committee and confirmed by at least 75 per cent of the wholeExecutive Committee, (2) if approved by less than 75 per cent of thewhole Admissions Committee and confirmed by a unanimous vote of thewhole Executive Committee, or (3) if disapproved by the AdmissionsCommittee but approved by a unanimous vote of the whole ExecutiveCommittee.
ARTICLE II
MEETINGS OF THE MEMBERS
AND AFFILIATES
There shall be an annual meeting of the members and affiliates each fallat such time and place as the Board of Directors, hereinafter called the"Board," shall designate .
Special meetings may be called by the Board . Upon request of not less than5 per cent of the members, the President shall call a meeting of the members .At all meetings fifty members shall constitute a quorum . Notice of a meeting,specifying the place, date, and hour of the meeting, shall be given not lessthan twenty nor more than forty days before each meeting.
ARTICLE IIIBOARD OF DIRECTORS
SECTION 1 . Composition , The Board shall consist of twenty-eight Direc-tors, comprising the eight Officers, the two immediate Past -Presidents andeighteen elected Directors . The eighteen elected Directors may be eithermembers or affiliates .
SECTION 2 Election and Term of Office Each year the members shallelect six Directors to serve for a period of three years . The term of office ofan elected Director shall begin at the close of the annual meeting of theAcademy in the calendar year of his election and shall continue until the closeof the annual meeting at the end of the term for which he was elected and un-til his successor shall have been elected Candidates receiving the greatestnumber of votes shall be elected ; a retiring elected Director other than onewho was elected to fill a vacancy, shall not be eligible for re-election as anelected Director at the annual meeting at which his term expires. A Past-Pres-ident shall not be eligible for election as an elected Director at the time atwhich his ex-officio membership on the Board as Past-President expires. If avacancy occurs among the elected Directors, including a vacancy created bythe election of an elected Director to an office, it may be filled for the unex-pired term by majority vote of the whole Board .
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SECTION 3 Mcetings . There shall be an annual meeting of the Boardwithin forty-eight hours after the close of the annual meeting of the Academy .Special meetings of the Board shall be called whenever the President or atleast five members of the Board so request .
Meetings of the Board may be held either within or outside the state ofIllinois. Notice of the annual meeting of the Board may be given to eachDirector either personally, by telephone, by mail, or by telegraph . Directorselected at the annual meeting of the Academy immediately preceding theBoard Meeting shall be given notice promptly after such annual meeting .Other Directors shall be given notice not less than ten not more than thirtydays before the annual meeting. Notice of a special meeting shall be sentto each member of the Board not less than ten nor more than thirty daysbefore the time appointed .
Any action required to be taken at a meeting of the Board of Directors maybe taken without a meeting if a consent in writing, setting forth the action sotaken, shall be signed by all of the members of the Board.
SECTION 4 . Quorum. At meetings of the Board, a majority of the mem-bers of the Board shall constitute a quorum.
SECTION 5. Duties and Powers . The Board shall have, in addition tothe powers and authority expressly conferred upon it by these Bylaws, theright, power, and authority to exercise all such powers and to do all such actsand things as may be appropriate to carry out the purposes of the AcademyWithout prejudice to the general powers so conferred, the Board shall havethe following specific powers :a) To act in accordance with the provisions of the Articles of Incorporation
of the Academy and the laws of the state of Illinois .
b) To establish the location of the offices of the Academy .
c) To invest and administer the funds of the Academy .
d) To arrange an annual audit of the accounts of the Treasurer .
e) To prescribe examinations and other requirements for admission, asprovided in Article I, Section 2, of the Bylaws .
f) To elect the Officers of the Academy,
g) To authorize such committees as it may deem necessary for the conductof the affairs of the Academy .
ARTICLE IVEXECUTIVE COMMITTEE
During any interim between meetings of the Board , the business of theAcademy shall be conducted by an Executive Committee comprised of the
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Officers and the immediate Past-President . The Executive Committee shallhave such powers as may be delegated to it by the Board, except the specificpowers enumerated as (b), (d), (e), (f) and (g) in Section 5 of Article III .
ARTICLE VOFFICERS
SECTION 1. Officers . The Officers of the Academy, all of whom shall bemembers, shall consist of a President, a President-Elect, four Vice-Presidents,a Secretary, and a Treasurer.
SECTION 2. Election and Term of Office. At each annual meeting of theBoard, the Directors present, by a vote of a majority of the whole Board shallelect, separately and in the order named, a President-Elect, two or more Vice-Presidents, a Secretary, and a Treasurer .
At the annual meeting of the Board, if either ( a) the President-Elect hassucceeded the President and has served in that capacity for six months ormore by reason of the office of President becoming vacant or (b) the officeof the President-Elect is vacant, except in the case where the President-Electhas succeeded to the office of the President and has served in that capacity forless than six months , the Directors by a vote of a majority of the whole Boardshall, prior to the election of the President-Elect, elect a President to servefrom the close of such meeting of the Board until the close of the next suc-ceeding annual meeting of the Board .
Except as hereinafter provided, the President-Elect, having been so electedat an annual meeting of the Board, shall automatically succeed the Presidentat the close of the first subsequent annual meeting of the Academy, and heshall serve as the President until the close of the second subsequent annualmeeting of the Academy . In the event the office of President becomes vacant,the President-Elect shall automatically succeed to fill the vacancy for the un-expired term . If the President-Elect so succeeds the President and serves inthat capacity for less than six months prior to the close of the next annualmeeting of the Academy following his succession to the Presidency, he shallfurther serve as President until the close of the next subsequent annual meet-ing of the Academy .
The term of two of the Vice-Presidents elected at each annual meetingof the Board shall be from the close of such meeting until the close of thesecond succeeding annual meeting of the Board . The term of any other Vice-Presidents elected at each annual meeting of the Board shall be from theclose of such meeting until the close of the next succeeding annual meetingof the Board The terms of the Secretary and the Treasurer shall be from theclose of the annual meeting of the Board at which each is elected until theclose of the next succeeding annual meeting of the Board .
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Except as provided above, a retiring President shall thereafter be perma-nently ineligible for election for another term as President or President-Elect .
A retiring Vice-President shall not be eligible for re-election as a Vice-President at the meeting at which his term expires .
Each Officer shall hold office for the term for which he is elected and untilhis successor shall have been elected .
In the event of vacancy in the office of both the President and President-Elect, the Board shall by majority vote of the whole Board elect a member tofill the vacancy for the unexpired term of the President
In the event a vacancy occurs among the Vice-Presidents, or in the officeof Secretary or Treasurer, the Board shall by majority vote of the whole Boardelect a member to fill the vacancy for the unexpired term .
ARTICLE VIDUTIES OF OFFICERS
SECTION 1. President . The President shall preside at the meetings of theBoard and of the Academy . He shall appoint committees authorized by theBoard. He may sign with the Treasurer, or any other person authorized by theBoard, contracts or other instruments which the Board has authorized to beexecuted .
SECTION 2. President-Elect . The President-Elect shall have such dutiesas may be assigned to him by the President or by the Board In the absence ofthe President, or in the event of his inability or refusal to act, the President-Elect shall perform the duties of the President's office .
SECTION 3. Vice-Presidents . Each of the Vice-Presidents shall have suchduties as may be assigned to him by the President or by the Board .
SECTION 4 Secretary. The Secretary shall record and file minutes of allmeetings of the Board, give all notices, be custodian of the corporate recordsof the Academy, and in general shall perform all customary duties incidentto the office of Secretary .
SECTION 5. Treasurer. The Treasurer shall keep a register of the mem-bers and affiliates, have charge of the preparation and publication of any YearBook which may be published, have general supervision of any arrangementsfor holding examinations, have charge and custody of all funds and securities,collect dues, pay bills, prepare financial statements, and in general perform allcustomary duties incident to the office of Treasurer The Treasurer shall givea bond for the faithful discharge of his duties, the cost of which shall be paidby the Academy.
Bylaws 1 33
ARTICLE VIIFINANCES AND CONTRACTS
SECTION 1 Dues, Except as hereinafter provided, each member or affiliateshall pay such dues for each calendar year as may be established by the Board .Such dues shall be payable as of January 1 of the calendar year . At the timewhen dues are payable, any member or affiliate who has become totally dis-abled or who, having attained age 62, notifies the Treasurer in writing thathe has retired from active work or who has attained age 70 shall be grantedexemption from the payment of dues by the Executive Committee . The Boardmay establish fees for the Year Book and other publications of the Academyfor those exempted from the payment of dues .
It shall be the duty of the Treasurer to cause to be notified by mail anymember or affiliate whose dues may be six months in arrears and to accom-pany such notice by a copy of this Section . If the dues remain unpaid threemonths following the time of mailing such notice, the Treasurer shall strikethe name of such member or affiliate from the rolls and such person shallcease to be a member or affiliate of the Academy. Such person may, however,again become a member or affiliate by applying for reinstatement andmeeting such conditions as the Board may prescribe. A member or affiliateagainst whom a complaint or charge is pending may, by action of the Boardof Directors, have the payment-of-dues requirement suspended while suchcomplaint or charge is pending.
SECTION 2. Contracts . The Board may authorize any Officer or agent toenter into any contract or execute and deliver any instrument in the nameor on behalf of the Academy .
SECTION 3. Checks. All checks, drafts, or other orders for the payment ofmoney, notes, or other evidences of indebtedness shall be signed by suchOfficer or agent of the Academy as shall from time to time be determinedby the Board .
SECTION 4. Deposits. All funds of the Academy not otherwise employedor invested shall be deposited to the credit of the Academy in such banks,trust companies, or other depositories as the Board may select.
ARTICLE VIIIRESIGNATION AND DISCIPLINE OF MEMBERS
AND AFFILIATES
SECTION 1. Resignation . Any member or affiliate who is not in default inpayment of dues and against whom no complaints or charges are pending mayat any time file his resignation in writing with the Treasurer, and, if acceptedby the Board, it shall become effective as of the date it was filed . Notwith-
134 Bylaws
standing the foregoing, the Board may in its discretion permit the resignationof a member or affiliate against whom a complaint or charge is pending . TheBoard, on written application of any member or affiliate who has resigned,may reinstate such member or affiliate subject to such conditions as it mayprescribe.
SECTION 2 . Discipline. There shall be a standing Committee on Disci-pline of not less than fifteen Committee members, one of whom shall bechairman .
The Committee shall have the power to consider and take action , as hereinprovided, with respect to all questions which may arise as to the conduct ofa member or affiliate of the Academy in the member ' s or affiliate 's relation-ship to the Academy or its members or affiliates or in the member ' s or affili-ate's professional practice , or affecting the interests of the actuarial profession .The Committee may, on its own initiative , investigate and take action withrespect to any such question , and may also receive and hear any complaintrelating to the conduct of a member or affiliate preferred in writing . Inconsidering any question , the Committee may consult confidentially withmembers or affiliates of the Academy who have experience relevant to thematter under consideration .
If, after any such investigation , the Committee shall deem the matter in-vestigated to be of sufficient importance, written charges, predicated there-on, stating plainly the charge against the member or affiliate , together with anotice of the time and place where the Committee will meet for considerationthereof, shall be served upon the person concerned , not less than forty-fivedays before the date of such meeting , either personally or by certified mail, orin such other manner as the Committee may direct .
In any hearing before the Committee , a member or affiliate proceededagainst shall have the right to appear personally and by counsel , to examinethe evidence presented , to examine adverse witnesses , and to present wit-nesses and evidence in his or her behalf. Any member or affiliate preferringa complaint may appear personally and by counsel. Witnesses called in thecourse of hearings involving conduct shall vouch for the truth of their state-ments on their word of honor . The Committee shall decide all questions ofevidence. The Board may retain counsel for the assistance of the Committee .
Whenever, in the course of any hearing under this Section, evidence shallbe presented upon which another charge or charges against the respondentmight be made, it shall not be necessary for the Committee to prepare andserve such additional charge or charges on the respondent, but the Committeemay, after reasonable notice to the respondent and an opportunity for therespondent to answer and be heard, proceed to the consideration of suchadditional charge or charges as if they had been made and served at the timeof service of the original charge or charges, and may render such decisionupon all such charges as may be justified by the evidence in the case.
Bydau;s 135
In all proceedings under this Section, the Committee shall decide whetheror not misconduct has occurred . Action by the Committee other than dis-missal of the charges shall be taken only upon the affirmative vote of at leasttwo-thirds of the members of the Committee . If the Committee finds thatmisconduct has occurred, it may, on its own initiative, warn or admonish themember or affiliate or recommend to the Board of Directors that the memberor affiliate be reprimanded, suspended, or expelled . If such a recommendationis made, the member or affiliate involved shall have the right to appear per-sonally and by counsel before the Board to explain why the Committee's rec-ommendation should not be followed. Board action reprimanding, suspend-ing, or expelling a member or affiliate requires an affirmative vote of a ma-jority of the whole Board. The Board may, by the vote of a majority of thewhole Board, impose a lesser penalty than that adjudged by the Committee onDiscipline .
A member or affiliate against whom an order of suspension or expulsionhas been rendered shall, upon application to the Board within thirty daysthereafter, be entitled to appeal to the members of the Academy upon thefollowing conditions :
a) All rights and privileges of membership or affiliate status shall be sus-pended during the pendency of the appeal.
b) The notice of appeal shall be in writing and shall stipulate that the ap-pealing member or affiliate consents to the mailing to the members of atranscript of the evidence and copies of exhibits in the form approvedby a majority of the Board.
c) The appealing member or affiliate shall, within ten days after an invoiceof the amount due is sent to him, deposit with the Treasurer the cost oftranscribing and printing the transcript of the evidence and copies of anyand all exhibits . In the event the decision of the Board shall be set aside,the Treasurer shall return to the appealing member or affiliate the amountof the deposit . Otherwise the deposit shall be retained by the Academy .
In the event of an appeal to the members , the decision of the Board maybe affirmed, modified, or set aside by the vote of a majority of the memberspresent and voting at an annual or special meeting of the Academy .
The Board may, in its discretion , reinstate to membership or affiliate statusat any time a member or affiliate suspended or expelled under this Section,provided, in the event the suspension or expulsion had been affirmed by themembers , the reinstatement shall not take effect unless and until confirmedby a vote of a majority of the members present and voting at a meeting ofthe Academy . Except as otherwise provided, all proceedings under this Sec-tion shall be deemed confidential and kept secret . The Board, however, shallnotify the members and affiliates of its action in all instances in which theBoard orders the suspension or expulsion of a member or affiliate . Such notifi-cation shall not be given until the time to appeal has expired or, in the event
136 Bylaws
of an appeal, until a majority of the members present at the meeting of theAcademy have voted in favor of suspension or expulsion . At the same timenotification is given to the members and affiliates, the Board may also givenotice of such suspension or expulsion to such newspapers or journals as itmay select.
In the event of subsequent reinstatement of the member or affiliate, theBoard shall give notice of such action to the members and affiliates of theAcademy and to any newspapers or journals previously advised by the Boardof the member's or affiliate's suspension or expulsion
ARTICLE IXNOTICE
The requirement that notice be given to members, affiliates or other per-sons shall be satisfied when a letter has been deposited in a United States PostOffice mailbox addressed to the last known address of such person .
ARTICLE XINDEMNIFICATION
Each person who at any time shall serve, or shall have served as an Officer,member of the Board, committee member, or member of any disciplinaryboard of the Academy (and his heirs, executors, administrators, and per-sonal representatives) shall be indemnified by the Academy against all costsand expenses (including but not limited to legal fees, amounts of judgmentspaid, and amounts paid in settlement) reasonably incurred in connectionwith the defense of any claim, action, suit, or proceeding, whether civil,criminal, administrative, or other, in which he or they may be involved byvirtue of such person being or having been an Officer, member of the Board,committee member, or member of any disciplinary board of the Academy, orin connection with any appeal therein ; provided, however, that in the event ofa settlement the indemnification herein provided shall apply only when theBoard approves such settlement, and provided further that such indemnityshall not be operative with respect to any matter as to which such personshall have been finally adjudged liable in such claim, action, suit, or proceed-ing on account of his own willful misconduct .
The rights accruing to any person under this Article shall be without preju-dice to any rights or benefits given by the Board inconsistent therewith inspecial cases and shall not exclude any other rights or benefits to which hemay be lawfully entitled .
ARTICLE XIUSE OF FINANCIAL RESOURCES : DISSOLUTION
The funds of the Academy shall be devoted exclusively to the purposesstated in paragraph 5 of the Articles of Incorporation . No part of the net
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earnings of the Academy shall ever inure in whole or in part to the benefitof any member, affiliate or individual. If the Academy is dissolved, all of itsremaining assets shall be transferred to one or more organizations organizedand operated exclusively for the purposes similar to those of the Academy .
ARTICLE XIIAMENDMENTS
Amendments to the Bylaws proposed by a vote of two-thirds of the Direc-tors present at a duly convened meeting of the Board shall be mailed forth.with to the members and shall become effective thirty days after such mailing,unless 10 per cent or more of the members notify the Secretary in writingwithin that time that they disapprove of the proposal . Any proposal thusdisapproved shall be presented to the next annual or special meeting of theAcademy and shall then take effect if approved by a majority of the memberspresent .
PRESCRIBED EXAMINATIONSThe Academy Board, in accordance with Article I, Section 2B, prescribes
examinations as follows :
A candidate who has attained Fellowship by examination in any one of thefollowing organizations shall be deemed to have met the education require-ments for admission to membership :
Casualty Actuarial SocietyConference of Actuaries in Public PracticeFraternal Actuarial AssociationSociety of Actuaries
In those cases where familiarity with actuarial practices and principles in theUnited States cannot be assumed, the Admissions Committee is empoweredto call for evidence of such familiarity .
Each other candidate applying for membership before July 1, 1976, shalldemonstrate educational qualifications by having received credit for exami-nations sponsored by the Academy, covering the subjects listed below undereither the Life and Health Insurance and Pensions Major or the Propertyand Liability Insurance Major :
A. Life and Health Insurance and Pensions Major
1 . General mathematics ;
2. Probability and statistics ;
3. Numerical analysis and theory of interest ;
4. Life contingencies ;
5. Demography , principles underlying the construction of mortality andother tables , elements of graduation of mortality tables and otherseries, risk theory, and the sources and characteristics of the principalmortality and disability tables ( including the methods used in theirconstruction and graduation ) and of the principal mortality anddisability investigations ;
6. Actuarial aspects of life insurance accounting , valuation of liabilities,and investment of life insurance funds ;
7. Selection of risks for individual life insurance , gross expense analysisand analysis and distribution of surplus for individual life insuranceand annuities; and
8. Group insurance , employee retirement plans, individual health in-surance, and social insurance.
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140 Prescribed Examinations
B. Property and Liability Insurance Major :
1. General mathematics :
2 . Probability and statistics ;
3. Numerical analysis and theory of interest ;
4. Life contingencies, operations research, decision theory, and dataprocessing ;
5 . Principles of economics, theory of risk and insurance, forms, coverages,underwriting, product design and marketing ;
6. Principles of rate-making and insurance statistics ;
7. Insurance accounting and expense analysis, premium, loss and expensereserves; and
8. Insurance law, supervision and regulation , and statutory insurances
GUIDES TO PROFESSIONALCONDUCT
Professional conduct involves the actuary's own sense of integrity and hisprofessional relationship with those to whom he renders services, with hisemployer, with other members of the profession, and with the world at largeIn all these relationships every member of the profession is concerned withhis own behavior and, as the good name of the profession is the concern of allits members, with the behavior of his colleagues .
In order to assist the Board of Directors and the Academy in achievingthe objectives of the Academy and, more importantly, to guide an actuarywho is a member or an affiliate of the Academy when he encounters questionsof professional conduct as an actuary, the following "Guides to ProfessionalConduct" have been prepared by order of, and approved by, the Board, In allreferences to actuaries, members and affiliates, words implying the masculinegender shall include the feminine gender As is true of codes of ethics gener-ally, these Guides deal with precepts and principles only . They are not preciserules and are subject to interpretations in relation to the variety of circum-stances that occur in practice . Any actuary wishing advice regarding theapplication of these Guides to a particular set of facts is urged to consult theChairman of the Committee on Guides to Professional Conduct .
1 . Professional Duty,
a) The actuary will act in a manner to uphold the dignity of the actuarialprofession and to fulfill its responsibility to the public .
b) The actuary will bear in mind that he acts as an expert when he givesactuarial advice, and he will give such advice only when he is qualifiedto do so
c) The actuary will not provide actuarial service for or associate profes-sionally with any person or organization where there is an evident pos-sibility that his service may be used in a manner that is contrary to thepublic interest or the interest of his profession or in a manner to evadethe law .
2. Relationship of the Actuary to His Client or Employer .
a) Matters will be so ordered that all concerned are clear as to who is theactuary's client or employer and in what capacity the actuary is servinghis client or employer,
b) The actuary will act for each client or employer with scrupulous at-tention to the trust and confidence that the relationship implies andwill have due regard for the confidential nature of his work
c) The actuary will recognize his ethical responsibilities to the person ororganization whose actions may be influenced by his actuarial opinions
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142 Guides to Professional Conduct
or findings . When it is nor feasible for the actuary to render his opin-ions or findings directly to such person or organization, he will act insuch a manner as to leave no doubt that he is the source of the opinionsor findings and to indicate clearly his personal availability to providesupplemental advice and explanation . If such opinions or findings aresubmitted to another actuary for review, either he or the other actuarywill be available for supplemental advice and explanation .
3. Nature of the Actuary's Responsibility to His Client or Employer,
In any situation in which there is or may be a conflict of interest involv-ing the actuary's service, whether one or more clients or employersare involved, the actuary will not perform such service if the conflictmakes or is likely to make it difficult for him to act independently . Evenif there is no question as to his ability to act independently, he will notact unless there has been a full disclosure of the situation to all partiesinvolved and the parties have expressly agreed to his performance of theservice.
4. Calculations and Recommendations.
a) The actuary will customarily include in any report or certificate quot-ing actuarial costs, reserves, or liabilities a statement or reference de-scribing or clearly identifying the data and the actuarial methods andassumptions employed,
b) The actuary will exercise his best j udgment to ensure that any calcula-tions or recommendations made by him or under his direction arebased on sufficient and reliable data, that any assumptions made areadequate and appropriate, and that the methods employed are con-sistent with the sound principles established by precedents or commonusage within the profession .
c) If, nevertheless , a client or employer requests the actuary to preparea study which in his opinion deviates from this practice, any resultingreport, recommendation, or certificate submitted by him will includean appropriate and explicit qualification of his findings.
d) The actuary who renders an opinion as to the adequacy of life andhealth insurance reserves shall be guided by principles establishedby or in common use within the profession ; the actuary will at all timesrecognize that the reserves required by statute or the regulations of in-surance departments constitute a minimum legal test of adequacy forthe protection of policyholders . When an actuary characterizes reservesas adequate, he shall either ( i) assure himself that they meet anyapplicable statutory or regulatory standards or (ii) clearly qualify hischaracterization in this respect, including an explicit statement as towhether the reserves meet such statutory or regulatory standards .
Guides to Professional Conduct 143
5. Advertising and Relations with Other Actuaries,
a) The actuary will neither engage in nor condone any advertising orother activity which can reasonably be regarded as being likely to at-tract professional work unfairly, or where the tone, form, and contentare not strictly professional .
b) The actuary will conduct his professional activities on a high plane .He will avoid unjustifiable or improper criticism of others and will notattempt to injure maliciously the professional reputation of any otheractuary. He will recognize that there is substantial room for honestdifferences of opinion on many matters .
6. R emuneration .
The actuary will make full and timely disclosure to a client as to all directand indirect compensation that he or his firm may receive from all sourcesin relation to any assignment the member or his firm undertakes for theclient .
7 . Titles .
The actuary will use a designation dependent upon elective or appoin-tive qualification within the Academy, such as "President," "Director,"or "Member of the Committee on Education and Examination," only whenhe is acting in such capacity on behalf of the Academy .
NOTE : Guides to Professional Conduct are continually under review by the Com-mittee on Guides to Professional Conduct . Promulgation of the Guides is throughauthority of the Board of Directors. The Guides in their present format were adoptedin 1969, had one revision in 1973, and changes not in substance were made as ofJanuary, 1976 concurrently with changes in the Bylaws .
OPINIONS AS TO PROFESSIONALCONDUCT
The Bylaws of the American Academy of Actuaries place in the Boardof Directors the power to consider and take action with respect to questionswhich may arise as to the conduct of an actuary who is a member or an affil-iate in his relations to the Academy or other actuaries, or in his profession,or in the practice thereof, or affecting the interests of the actuarial profession .In doing so, the Bylaws grant certain disciplinary powers to the Board in caseit determines that misconduct has occurred.
The Board names a Committee on Guides to Professional Conduct to havecontinuous oversight of the Guides to Professional Conduct, and to recom-mend revision or repeal of specific guides and also new guides The Com-mittee also issues interpretive opinions on the Guides and answers inquiriesabout professional conduct, including both general inquiries and those re-lating to particular situations but not to a named actuary who is a memberor an affiliate. (Complaints and questions involving named members shouldbe directed to the President rather than to this Committee .)
The Opinions issued to date are set forth herein . All Opinions of theAmerican Academy of Actuaries are designated "A_" Each of the followingactuarial organizations in the United States, namely the Casualty ActuarialSociety, Conference of Actuaries in Public Practice, Fraternal Actuarial As-sociation and Society of Actuaries, and in Canada, the Canadian Institute ofActuaries, has its own designation There is a general understanding amongthese actuarial organizations that all will use the same Opinion Number whendealing with the same subject. Through an exchange of drafts the Opinionson a subject may be identical or nearly so This may not always be the case,however. In all references to actuaries, members and affiliates, words imply-ing the masculine gender shall include the feminine gender
OPINION A-I : RELATIONS WITH OTHER ACTUARIES
INTRODUCTION
The following statement by Francis Bacon is often quoted .' "I hold everyman a debtor to his profession, from the which as men of course do seek toreceive countenance and profit, so ought they of duty to endeavor themselvesby way of amends to be a help and ornament thereunto ." Much of a profes-sional person's knowledge comes from what has been contributed to theprofession by others before him. This does not cease with the past, however .There must be continual interchange of information and opinion whichenriches the total knowledge within a profession . Ideas and things that havebeen learned from experience are not patented. Through professional articles
*It is used as the motto of the Institute of Actuaries
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Opinions as to Professional Conduct 145
and speeches, members of a profession contribute from their knowledge tothe improvement of the group Such cooperation is essential so that the wholeprofession may keep up with the rapid changes of the business world and thedemands of the profession. An individual actuary's particular experiencemust be augmented by what is provided by others in the profession in orderto develop sources of knowledge of the theory and techniques of the pro-fession.
This leads to the necessity, as well as the desirability, of there being cordialrelations and mutual confidence among the members of a profession Thiscontributes to the advancement of the profession and to the improved qualityof its service to its clients . Undue rivalry between the members of a profes-sion would weaken and destroy the very things which distinguish a professionfrom commercial business The usual promotional procedures of a commer-cial business-such things as self-laudatory advertising, solicitation, obtainingbusiness solely on a price basis-are not suitable to a profession . A character-istic of, and a satisfaction to, the professional person is to have the respect andgood opinion of his fellow practitioners . Mutual confidence is built on adher-ence to ethical conduct and by the observation of professional etiquette andcourtesy .
Competence and concern for clients require that a professional person beready to refer work to specialists or consult with them, where desirable Heshould not feel that, in so doing, he might lose his client to the colleague soconsulted Similarly, if an actuary is requested by a client of another actuaryto do work which supplements such actuary's work, or is of a different nature,the client's actuary should be able to expect professional courtesy from theother actuary
PREAMBLE TO GUIDES
"Professional conduct involves the actuary's own sense of integrity andhis professional relationship with those to whom he renders services, withhis employer, with other members of the profession, and with the world atlarge In all these relationships every member of the profession is concernedwith his own behavior and, as the good name of the profession is the concernof all its members, with the behavior of his colleagues "
OPINION
In the opinion of the Committee, an actuary, who is a member or an af-filiate, as a professional person, will show professional courtesy toward fel-low actuaries and their clients . It is recognized that competition exists in theprofession, since clients are free to change advisers, and it should be possiblefor the public to know what services are available However, for the membersof a profession to practice aggressive competition would be to destroy thedesirable characteristics of a profession
The Committee believes, therefore, that advertising in which the tone,form, and content are inappropriate to a profession and solicitation of clients
146 Opinions as to Professional Conduct
in a manner which is discourteous or unprofessional are injurious to theprofession of which the actuary is a member and upon which he dependsfor his professional stature. Thus, aggressive solicitation of clients and"raiding" another's clients are unprofessional and out of keeping with theGuides to Professional Conduct, The Committee also believes that under-pricing of services and underestimating the amount of services needed for aspecific assignment, when knowingly done in order to attract business, areunprofessional practices which conflict with the basic principles underlyingthe Guides as set forth in the Preamble to the Guides .
OPINION A-2 . USE OF TITLES AND DESIGNATIONS(Adopted 1970)
Guide 7 and Section 1 of Article I of the Bylaws are concerned primarilywith the use of titles by an actuary who is a member or an affiliate and, inparticular , with designations related to the Academy . The purpose of theGuide is to clarify the proper use of a designation . For this Opinion, the termtitle means any title conferred by an employer and need not denote officerstanding, and the term designation means a specific reference to any relation-ship of an actuary to the Academy.
As an example of the use of titles, consider an employee who has the titleof "Assistant Actuary" conferred by his employer. He may use this title andalso the designation "M.A.A A ." if a member or "A.A.A.A ." if an affiliate .If he wishes to use both, he would sign as follows :
James H. Jones, M.A A.A.Assistant Actuary
orJames H. Jones, Memberof the American Academy of ActuariesAssistant Actuary
James H . Jones, A.A.A.A .Assistant Actuary
orJames H . Jones, Affiliateof the American Academy of ActuariesAssistant Actuary
If an employee has been given no title , he merely signs his name with orwithout the appropriate designation . This Guide applies fully , whether ornot the employee has a title .
An actuary might act other than as an employee or other than on behalfof a client in giving an actuarial opinion before a public committee or otherbody for which he is not specifically compensated by anyone In such activityhe should adhere to this Guide as to the use of designations .
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A Director may use his designation "Director, American Academy of Actu-aries" only when dealing with Academy business or when authorized to speakfor the Academy. The same is true of all appointed or elected positions in theAcademy.
The Committee also believes that an actuary may not include on a letterheadany references to offices and committee memberships he holds in the Acad-emy, except when used for Academy business Regardless of his offices eitherelected or appointed, he may never speak for the Academy or for one of itscommittees unless authorized to do so by the Board of Directors .
In the opinion of the Committee, it would not be a violation of Guide 7 torefer to offices held in the Academy in biographical material of any type (in-cluding material in connection with a book or article written by an actuary),or in connection with other generally published material It would not bea violation to refer to offices held in the Academy when giving testimony ina court of law or before a public body, provided it is made clear that theactuary does not speak for the Academy or one of its committees, unlessspecifically authorized to do so.
It would not be a violation to use such biographical material when appro-priate in connection with a promotion, change in employment or on any othersimilar occasion . The ultimate test is whether the reader could be led to con-clude that the actuary is representing himself as a spokesman of the Academyor of one of its component parts .
OPINION A-3 : TRANSMITTAL OF ACTUARIAh REPORTS(Adopted 1970)
DEFINITIONS
An actuarial report is essentially a statement of actuarial findings, con-clusions or recommendations resulting from the actuary's experience andjudgment, applied within the framework of a particular set of facts and as-sumptions In this Opinion, the term is intended to include any communica-tion, certificate or report based, in whole or in part, on knowledge which ispeculiar to an actuary or where the reader of any such communication, certif-icate or report may be influenced by the fact that the writer is an actuary
The term clie zt is intended to include any person or organization forwhom an actuarial report is prepared, and whose actions or decisions mayreasonably be expected to be influenced by such a report .
OBJECTIVE
Any manner of transmittal of an actuarial report, prepared by an actuarywho is a member or an affiliate which involves the risk that the underlying
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facts and assumptions, and the limitations resulting from their use, are notfully communicated to the client involves a corresponding risk that the con-clusions or recommendations may be misinterpreted or misapplied . It is im-portant, therefore, that this risk be minimized or eliminated .
PERTINENT GUIDES
Guides 2 (c) and 4 (a) are both pertinent to the question of proper trans-mittal of actuarial reports These Guides have, in the Committee's opinion,been designed to assure the maximum practical safeguards against the mis-interpretation or misuse of actuarial findings or recommendations . Thus,Guide 4(a) provides for the inclusion in an actuarial report of such under-lying data as are essential to the findings or conclusions reported The keytest is whether another actuary, unfamiliar with the situation, would find theinformation sufficient to appraise the conclusions .
Guide 2 (c) is designed primarily to assure that the information calledfor in Guide 4 (a) will, in fact, be communicated to the client, and that theclient will be in a position to verify his understanding of the report directlywith the actuary who prepared it, or with another actuary equally well qual-ified to explain the report . It also serves to give assurance to the actuary thathis conclusions and recommendations are properly interpreted and applied .
ACTUARY ACTING FOR AN INSURANCE COMPANY
When an actuary advises an insurance company on premiums, dividends,reserves and related matters, the client is the company, its policy-makingexecutives and in some situations its board of directors and its auditors,whether or not he is an employee of the insurance company . Thus, in suchcircumstances, the member should satisfy himself that the persons who maybe expected to utilize his report are fully cognizant of the significance of hisfindings .
ACTUARY ACTING FOR A POLICYHOLDER OF AN INSURANCE COMPANY
When an actuary prepares a report for a policyholder (or a prospectivepolicyholder), which contains actuarial costs or forecasts that are in the na-ture of recommendations rather than guarantees fully supported by the in-surance company, Guides 2 ( c) and 4 (a) are fully applicable, since in thissituation the policyholder is the client For example, in offering recommen-dations as to contributions under a deposit administration pension contract,the actuary responsible, whether an employee of the insurance company oran outside consultant, should make certain that he is personally identified asthe source of the recommendation, that his report is not abridged or editeden route to the client, and that his availability to answer any questions re-garding the report is known. This should apply whether or not there is anexplicit recommendation of contributions, and whether or not the reportstates clearly the extent to which company guarantees are involved .
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ACTUARY IN RELATION TO NON-INSURED PENSION PLANS
When an actuary prepares a report including cost or contribution figuresin relation to a non-insured pension plan, Guides 2(c) and 4 (a) applyThus, if the report is delivered by a non-actuarial associate of the actuary, orthrough a bank or trust company, the Committee believes that the actuaryshould recognize the risk of misinterpretation or misuse, and he shouldguard against it by application of the procedures indicated by Guide 2 (C)This can be done where the actuary does not sign or deliver the report, by theconcurrent use of a supplemental statement, signed by the actuary, coveringthe actuarial portions of the material included
As a special case of the foregoing, it is the opinion of the Committee that anactuary should not become a party to any arrangement whereby a bank, invest-ment advisor, insurance broker or other separate person or organization willuse reports prepared by the actuary, unless the actuary is identified and it isclearly understood and agreed that the actuary's responsibility is to the em-ployer whose plan or proposed plan is the subject of the report and that theprovisions of Guide 2 (c) will be strictly observed .
ACTUARY IN RELATION TO LEGISLATION ANDREGULATIONS(Adopted 1975)
When an actuary in his professional capacity prepares or is directly in-volved in the preparation of a report which includes or relies on an actuarialanalysis of the implications of a legislative or regulatory act or proposal,Guides 2 (c) and 4 (a) apply. Thus if the report is not prepared solely bythe actuary or is delivered by a non-actuary or by a committee composed par-tially of non-actuaries, or through an organization , the actuary should recog-nize the risk of misinterpretation or misuse of the actuarial aspects of thereport. The actuary should consider the desirability of preparing a supple-mental statement covering the actuarial portion of the material includedThe objective of Guide 2 (c) will be more fully satisfied if the main body ofthe report refers to any such supplemental statement , identifies the actuary,and indicates his availability to answer questions . In any case , where figuresor other actuarial information are incorporated in a document or other pres-entation for which some person or some entity other than an actuary takesresponsibility, the actuary should take all reasonable steps to insure (a) thatthe material is presented fairly and, in particular, that the implications of theactuarial analysis are clearly stated and (b) that if only a part of the informa-tion is incorporated, it is not presented in a way likely to give a misleadingimpression.
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OPINION A-4: ACTUARIAL PRINCIPLES ANDPRACTICES IN CONNECTION
WITH PENSION PLANS(Adopted 1970 ; Opinion 4 added 1974)
INTRODUCTION
This Opinion is intended to interpret and amplify the application of Sec-tion 4 of the Guides to Professional Conduct to actuarial valuations ofemployee retirement plans . As such, the Opinion is directed to an actuarywho is a member or an affiliate who prepares actuarial reports providing in-formation directed towards employers, government bodies, employeegroups, unions or other members of the public in connection with the design,revision, valuation or funding of employee retirement plans .
The Committee recognizes that it would be inappropriate to prescribeinflexible guides for the performance of the actuary's work in connection withpension plan calculations . They also recognize that the selection of assump-tions and cost methods involves professional judgment based on individualcircumstances applicable to a particular plan, including the purpose or pur-poses which the valuation is intended to serve, the nature of the employeegroup, the degree of funding already accomplished and the prospect ofpermanence of the sponsoring organization or of the plan The promulgationof uniform procedures or practices which fail to take into account suchvariables would, in the opinion of the Committee, be unprofessional .
On the other hand, the Committee believes that the effectiveness of theactuary would be enhanced by the adoption of a statement of principles re-lating to appropriate application of actuarial science to pension problems andto adequate disclosure of pertinent and material facts bearing on his work. Itis believed that such a statement of the basic responsibilities of the actuarywill tend to minimize possibilities of misunderstanding or misinterpretationby those relying on his work .
THE APPLICABLE GUIDES
The following material appearing in the Guides to Professional Conductis especially applicable to the work of the actuary on pension matters :
"4. Calculations and Recommendations .
a) The actuary will customarily include in any report or certificatequoting actuarial costs, reserves, or liabilities a statement or ref-erence describing or clearly identifying the data and the actuarialmethods and assumptions employed .
b) The actuary will exercise his best judgment to ensure that anycalculations or recommendations made by him or tinder his direc-tion are based on sufficient and reliable data, that any assumptionsmade are adequate and appropriate, and that the methods employed
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are consistent with the sound principles established by precedentsor common usage within the profession .
c) If, nevertheless, a client or employer requests the actuary toprepare a study which in his opinion deviates from this practice,any resulting report, recommendation, or certificate submitted byhim will include an appropriate and explicit qualification of hisfindings .'
CLARIFYING STATEMENT OF WORKING GUIDE
A requirement common to all actuarial valuations is that assumptions andmethods be selected and applied with integrity, good judgment and per-spective in relation to the particular problem .
Diverse purposes which an actuarial valuation may be designed to servemay call for approaches which differ from those appropriate to other situ-ations . For example, the methods and assumptions appropriate to solvencytests associated with possible plan terminations, plan mergers or partial planspinoffs, may be quite different from those appropriate to the determinationof long-range cost levels of continuing plans In the opinion of the Com-mittee, it is reasonable for the actuary to give regard to the practical effectof his report in terms of its purpose
In addition to considerations of fund solvency or the development ofbenefit security for participants, the actuary will probably take into accountthe financial needs and planning of the plan sponsor, as well as factors whichmay relate to requirements or suggestions made by accountants, gov-ernmental agencies and bargaining or other agreements .
Other special purposes of reports might relate to bargaining situations,determination of tax-deductible costs or exploration of the effect on futurecosts of variations in experience or the introduction of ancillary benefits suchas liberalized vesting, survivors' benefits, etc .
OPINION
1 . "Actuarial soundness" is neither an absolute nor a unique concept, butmust be considered in relation to the problem at hand and the accuracywith which future experience can be predicted . Therefore, the Committeebelieves that general opinions as to "actuarial soundness" should beavoided, wherever possible, and that an opinion as to the adequacy of agiven financing arrangement with respect to specifically defined objec-tives, assumptions or requirements should be substituted, where appro-priate, or otherwise be appended .
2. The actuary's responsibilities in the pension field involve, to a high degree,considerations affecting the public interest Accordingly, the Committeebelieves that he should give consideration to the following
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a) Careful interpretation of his client's objectives in terms of plan design,benefit security, and financing .
b) Explanation of available alternatives and their effect on such objec-tives.
c) Translation of client objectives into the type or types of valuationto be performed (i .e ., special purpose valuations) .
d) Selection of appropriate assumptions and cost methods
e) Periodic analyses of experience in relation to assumptions,
f) Analysis of trends in benefits, cost factors, social and economic factorsaffecting pensions , investment policies, employee security and thelike .
g) Adequate and clear disclosure of pertinent facts and findings inactuarial reports .
3. In the furnishing of reliable information the actuary is typically in a posi-tion of rendering advice based on the interaction of many assumptions,some of which are not susceptible of accurate statistical prediction . There-fore, the actuary has a responsibility to avoid misunderstanding by meansof adequate disclosures. Accordingly, in the opinion of the Committee, theactuary's report, in addition to including the name of the actuary directingthe report and his professional affiliation, should consider the followingelements and give sufficient detail, where pertinent, to permit an objectiveappraisal of the valuation by another qualified actuary :
a) The name of the person or firm retaining the actuary for the report,and the purpose which the report is intended to serve .
b) An outline or reference to an accessible outline of the plan of benefitsbeing valued .
c) The effective date of the valuation, the date as of which the data werecompiled, sources of data and any assumptions made with respect tounavailable census information .
d) A summary of the statistics pertaining to the group, broken downaccording to significant categories such as retired, active and ter-minated-vested, together with the book and market values of assetsand the asset value used in the valuation ,
e) A summary of the basic valuation results with a suitable statementrelative to an appropriate level of pension cost and an appropriaterange in contributions .
f) A statement of the actuarial assumptions and methods, including,where appropriate, an appraisal of their suitability for the purposes athand and reference to factors which have not been considered
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Changes in actuarial assumptions from those used in previous reportsshould be stated and their effect noted .
This statement should not be limited to factors explicitly assumedbut should include a reference to the handling, or absence of con-sideration, of such other factors as the actuary in his judgment deemsto have pertinence in an evaluation of future costs or cost incidencein terms of the purpose to be served by his report . Such factors, forexample, may include inflation, probable margins, effect of plantshutdown, etc.
4. It is the opinion of the Committee that Guides 4 (a), (b), and (c), asamplified by this Opinion A-4, require that the actuary take into con-sideration the published Recommendations of the Academy's Committeeon Actuarial Principles and Practices in Connection with Pension PlansAn actuary who uses principles or practices which deviate materially fromsuch Recommendations must be prepared to support his particular use ofsuch principles or practices and should include in his report appropriateand explicit information with respect to such deviation, It is intended thatsuch Recommendations, together with this Opinion A-4, constitute whatshall be known as Generally Accepted Actuarial Principles and Practicesrelating to pension plans to the extent that actuarial principles and prac-tices have been promulgated by the Academy ; and, if there has not beensuch promulgation, the actuary must be guided by the sound principlesestablished by precedents or common usage within the profession .
OPINION A-5 QUALIFICATIONS TO GIVE ADVICEIN A SPECIFIC SITUATION(Adopted 1973 ; Revised 1975)
The purpose of this Opinion is to assist the actuary who is a member oran affiliate in interpreting paragraph 1(b) of the Guides to Professional Con-duct. Because of the actuary's rigorous training in actuarial mathematics,insurance, and employee benefits, the public may believe that every actuaryis well qualified to advise on all aspects of pensions and other employee bene-fits, life, sickness, and accident insurance (including individual, group, andsocial), on property and liability insurance, demography, investments, com-puters and on social and economic trends This is a very extensive list, andmost actuaries have had some training in almost every subject listed . A specialresponsibility rests on every actuary to undertake only those assignmentswhich he is qualified to do ; otherwise, the client will be ill-served and so willthe profession .
The actuary, bearing in mind the responsibility to his client, his profession,and the public, will have to judge whether or not his training and experiencequalify him to give advice on a particular assignment . He must also be pre-pared to accept the opinion of his peers on the validity of that judgment .
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Although in most situations the client will have adequately satisfied him-self that the actuary is well qualified to do the assignment, there may be somesituations where, because of special circumstances, an actuary is invited togive advice in a field where he has had inadequate training or experience . Forexample, the work could be in some difficult pension area and the actuaryhas had experience only with life insurance companies ; or in some life insur-ance company problem and he has been working only with pensions ; or ina property or liability insurance problem and he has had neither adequatetraining nor experience in this area ; or in some problem in social insuranceor demography where he has had some training but little experience ; or insome problem where his actuarial training and experience are clearly usefulbut in which he has had no specific training or experience These examplesare illustrative only and are far from complete.
An actuary will be deemed to be qualified to give advice in his capacity asan actuary if his general experience involving the application of his actuarialstudies and/or training equips him to understand thoroughly the pertinentaspects of the particular problem or situation concerning which his adviceis sought, and to produce (with such professional consultation as may benecessary) solutions, judgments, or recommendations whose reliability andlikely consequences he should be able to ascertain with confidence . Successfulrepetition of work of a similar nature over a period of years naturally en-hances the actuary's qualifications to deal with work of such kind .
The actuary should decline any assignment for which his qualifications areinsufficient .
OPINION A-6 ACTUARIAL PRINCIPLES AND PRACTICES INCONNECTION WITH FINANCIAL REPORTING OF LIFEINSURANCE COMPANIES IN THE UNITED STATES
(Adopted 1973)
INTRODUCTION
This Opinion is intended to interpret and amplify the application ofSections 1, 2, 3, and 4 of the Guides to Professional Conduct, and their re-lation to the financial reporting of life insurance companies, including par-ticularly their relation to the audit guide entitled "Audits of Stock Life In-surance Companies" published by the American Institute of Certified PublicAccountants. It applies to any actuary who acts for a life insurance companyin the preparation of a financial statement or report, who contributes ele-ments for inclusion in any such financial statement or report, or who auditsor reviews elements of any such financial statement or report, when suchstatement or report is to be presented as having been prepared in accordancewith "Generally Accepted Accounting Principles" as that term is understoodin the United States, and is intended for stockholders, policyowners, taxingauthorities, regulatory authorities, or the general public, and is designed toshow operating results, solvency, or other aspects of financial condition .
Opinions as to Professional Conduct 155
The Committee recognizes that it would be inappropriate to prescribeinflexible guides for the performance of the actuary' s work in connectionwith the financial reporting of life insurance companies. The Committee alsorecognizes that the selection of assumptions and methods involves profes-sional judgment based on the circumstances applicable to a particular situa-tion, including the purpose or purposes which the actuary's work is intendedto serve . The promulgation of uniform procedures or practices which fail totake into account such circumstances and variables would, in the opinionof the Committee, be unprofessional .
On the other hand, the Committee believes that there would be meritin adopting a statement of principles relating to the appropriate applicationof actuarial science to the financial reporting of life insurance companies andto adequate disclosure of pertinent and material facts . It is believed that themaking and the observing of such a statement of the basic responsibilitiesof the actuary will tend to minimize the possibility of misunderstanding ormisinterpretation by those relying on his work and the likelihood of needfor disciplinary action under Article VIII of the Academy' s Bylaws .
CLARIFYING STATEMENT
A requirement common to all actuarial procedures is that assumptionsand methods be selected and applied with integrity, informed judgment, andperspective in relation to the purpose for which the results are intended .
Assumptions and methods may appropriately be different in calcula-tions related to the same period or moment in time but intended for dif-ferent purposes ; for example, the statutory valuation of insurance reservesfor use in financial reports to state regulatory authorities or the valuation ofinsurance reserves for use in federal income tax returns may require differentassumptions and methods from those used for reserve valuations and re-lated calculations in connection with financial statements which are pre-pared in accordance with generally accepted accounting principles .
Determinations of various elements of a given related set of financial state-ments must be based upon assumptions and methods which are consistentamong themselves, with due regard for the purpose of the statements andfor the methods to be employed in the calculations
OPINION
1 . Guide 1 (b) and Opinion A-5 remind the actuary that he will giveactuarial advice only when he is qualified to do so . It is the opinion of theCommittee that an actuary should undertake to prepare or verify reservesor other actuarial elements of financial statements only if he is familiarwith the purposes and uses of such statements and, in the case of financialstatements prepared in accordance with generally accepted accountingprinciples, with the application of such principles to life insurance ac-counting.
156 Opinions as to Profeirional Conduct
2, Guide 2 (a) relates to the relationship of the actuary to his client or em-ployer It is the opinion of the Committee that an actuary who is respon-sible for any part of financial statements which are subject to audit mustmake sure that the auditor is fully cognizant of his relationship with thecompany. If a formal actuarial opinion is made part of published finan-cial statements, the context of such opinion should make clear the re-lationship between the actuary and the company .
3 Guide 2 (b) provides that an actuary will have due regard for the con-fidential nature of his work . It is the opinion of the Committee that whenthe actuary is required to make disclosures to the company's independentauditor and to support the assumptions and methods which he has usedin the preparation of financial statements, appropriate steps should betaken to preserve the confidential nature of any formal written reportwhich contains any confidential material .
4 When an actuary's work relates to financial statements prepared in ac-cordance with generally accepted accounting principles, it is the opinionof the Committee that Guide 2 (c) requires as a minimum that an actuar-ial report should be furnished to the company and to the company's in-dependent auditor, if any . The objective of Guide 2(c) will be morefully satisfied if the auditor's opinion identifies the actuary or if pub-lished financial statements include a formal actuarial opinion . Any suchactuarial report or opinion should identify the actuary, his relationshipwith the company, and the scope of his activity in relation to the financialstatements involved . In situations where a number of actuaries who areresponsible to a principal actuary participate in work relating to any suchfinancial statement, any actuarial report or opinion should include thesignature of the principal actuary .
5 . Guide 3 relates to situations "in which there is or may be a conflict ofinterest involving the actuary's service" and states that "the actuarywill not perform such service if the conflict makes or is likely to makeit difficult for him to act independently " The service an actuary per-forms in reviewing financial statements for the purpose of forming,expressing, and publishing an opinion which purports to be independ-ent with regard to such financial statements is a type of service towhich Guide 3 is intended to relate It is the opinion of the Committeethat Guide 3 does not inhibit the service an actuary performs for an in-surance company in preparing or evaluating material for inclusion infinancial statements of such company If an actuary employed or engagedby the reporting company does express a professional opinion regardingany material in the financial statements of such company, Guide 3 requiresthat his relationship with the company be clearly described in the opinion .
6. Guide 4(a) states that "the actuary will customarily include in anyreport or certificate quoting actuarial costs, reserves, or liabilities a state-ment or reference describing or clearly identifying the data and the actuar-ial methods and assumptions employed " It is the opinion of the Committee
Opinions as to Proferswnal Conduct 157
that Guide 4 (a) as applied to the actuary's work in connection with finan-cial statements prepared in accordance with generally accepted accountingprinciples requires that the actuary disclose to the auditor the actuarialassumptions and methods, including, where appropriate, an appraisal oftheir suitability for the purposes at hand and reference to factors whichhave not been considered. In many instances such disclosure may be sup-ported by oral discussions between the auditor and the actuary . Approxi-mations and approximate methods may be used, provided that the actuaryhas satisfied himself that the result does not differ materially from theresult of using more precise methods.
7. It is the opinion of the Committee that Guide 4(b) requires that theactuary, in selecting actuarial assumptions and methods for use in anyfinancial statement prepared in accordance with generally accepted ac-counting principles, take into consideration the published formal Recom-mendations of the Academy's Committee on Financial Reporting Princi-ples An actuary who makes use in any such financial statement of anyassumption or method which conflicts with such Recommendations mustbe prepared to support his use of such assumption or method
8 . It is the opinion of the Committee that Guide 4(c) should be inter-preted as requiring that an actuary who, for any reason, uses in finan-cial statements prepared in accordance with generally accepted account-ing principles any assumption or method which in his opinion deviatesmaterially from the requirements of Guide 4 (b) or of Guide 4 (d) willinclude in any actuarial report or opinion prepared in accordance withOpinion 4 above an appropriate and explicit qualification with respectto such deviation.
FINANCIAL REPORTINGRECOMMENDATIONS AND
INTERPRETATIONSSTATEMENT RESPECTING THE STRUCTURE AND THEPROCEDURES OF THE COMMITTEES ON FINANCIAL
REPORTING PRINCIPLES
1. Each of the Committees on Financial Reporting Principles is a standingcommittee of the Academy, reporting directly to the Board . The GeneralCommittee shall have an advisory and coordinating relationship withthe Specialized Committees. For that purpose the members of the GeneralCommittee shall be kept informed, by means of minutes and otherinformative communications, of the activities of the Specialized Com-mittees, shall be given copies of any proposed Recommendation or pro-posed Interpretation whenever such copies are sent to members of theAcademy's Board of Directors, and shall be given copies of any otherformal communication of a Specialized Committee . The consent of theGeneral Committee shall not be required as a condition for any action bya Specialized Committee .
DEFINITIONS
2. A Recommendation should be taken into consideration by actuaries, andan actuary makes use of an assumption or method which conflicts with aRecommendation should be prepared to justify its use .
3. An Interpretation relates to a specific Recommendation . An Interpre-tation does not have the force of a Recommendation and is intended toexplain, clarify, or enlarge upon some aspect of the related Recommen-dation.
4. A communication other than a Recommendation or Interpretation maybe used for such purposes as to offer advice, to convey or elicit informa-tion, or to express informally an opinion or position of the SponsoringCommittee .
5. Any Recommendation, Interpretation or other communication shallclearly identify the Sponsoring Committee.
PROCEDURE FOR ADOPTION OF A PROPOSED RECOMMENDATION
6. A Specialized Committee may issue Recommendations on subjects whichfall within its jurisdiction, and the General Committee may issue Recom-mendations on subjects that do not fall entirely within the jurisdictionof one of the Specialized Committees. A Recommendation, having theforce of a professional opinion of the Academy, may be published onlyin accordance with the following procedure, which is designed to assure
159
160 Financial Reporting Recommendation r and Interpretations
that a proposed Recommendation reflects actuarial principles whichare generally recognized and broadly accepted by members of the pro-fession .
Step A . A copy of the proposed Recommendation shall be sent to eachmember of the Academy's Board of Directors, with an invitationto comment by a specified date The Board's approval is not re-quired, but if two or more of the members of the Board express,either by their vote at a duly convened meeting of the Board orby individual letters addressed to the chairman of the SponsoringCommittee, a desire that processing of the proposed Recom-mendation be deferred, the Sponsoring Committee will notproceed to Step B unless and until the Board has acted to removeany such barrier to further processing .
Step B . After such initial circulation to members of the Board, the pro-posed Recommendation shall be circulated by the SponsoringCommittee to the members of the Academy, with an invitationto comment by a specified date
Step C . After the Sponsoring Committee has reviewed any commentsand made any revision of the proposed Recommendation whichit thinks appropriate to reflect such comments, a copy of theproposed Recommendation as so amended shall be sent to eachmember of the Board .
Step D . The proposed Recommendation may not be published until 30days thereafter, and may not be published then if two or moreof the members of the Board express, either by their vote at aduly convened meeting of the Board or by individual lettersaddressed to the chairman of the Sponsoring Committee, a de-sire that publication be further deferred In any such case thepublication of the proposed Recommendation, or of any modifi-cation thereof, will be deferred until the Board has acted toremove any such barrier to publication.
PROCEDURE FOR ADOPTION OF A PROPOSED INTERPRETATION
7. The release of an Interpretation which does not have the force of aRecommendation , need not be subject to the same procedural require-ments as the publication of a Recommendation; but, because an Inter-pretation may have an influence on the application of the related Recom-mendation, a proposed Interpretation should not be released withoutprior exposure to the members of the Academy's Board of Directors Acopy of the proposed Interpretation shall be sent to each member of theBoard. The proposed Interpretation may not be published until 30 daysthereafter, and may not be published then if two or more of membersof the Board express, either by their vote at a duly convened meeting ofthe Board or by individual letters addressed to the chairman of the Spon-
Financial Reporting Recommendation) and interpretations 161
soring Committee, a desire that publication be further deferred In anysuch case the publication of the proposed Interpretation, or of any modi-fication thereof, will be deferred until the Board has acted to remove anysuch barrier to publication,
COMMENT
8. The foregoing procedures permit members of the Board to exercise aveto power but do not provide for formal approval by the Board . Theremay be circumstances in which the Board may subsequently be expectedto evaluate the substance of a Recommendation or an Interpretation,which can be done with better grace if formal approval was not giveninitially .
RECOMMENDATION 1 , ACTUARIAL METHODS AND ASSUMP-TIONS FOR USE IN FINANCIAL STATEMENTS OF STOCK LIFEINSURANCE COMPANIES PREPARED IN ACCORDANCE WITH
GENERALLY ACCEPTED ACCOUNTING PRINCIPLES
1 . This Recommendation relates to the actuarial methods and assumptionsfor all elements affecting costs (i e ., all benefits and all expenses , exclud-ing any specific loading for profit) with respect to reserves for non-par-ticipating policies or contracts when used by a stock life insurance com-pany in connection with financial statements prepared in accordance withgenerally accepted accounting principles .
2 Such actuarial assumptions (a) should be appropriate to the specificcircumstances of the company, (b) should be based on experience orestimated experience which is reasonably applicable to the specific busi-ness in the light of all the characteristics of that business and the trendsof experience which may reasonably be expected in the future, and (c)should be so selected that no portion of the actual gross premium wouldbe available as a specific loading for profit unless the risks of adversedeviation are duly provided for in the valuation premium .
3. The following should be among the elements considered by the actuaryin choosing such actuarial assumptions .
a) The character and magnitude of the company's business, the typesof business which it writes, the age of the company, and its rate ofgrowth .
b) Prior experience of the company to the extent that the actuary con-siders it a valid basis for current assumptions , with due regard forthe probable consequences of any significant changes in method ofoperation or plans for the future .
c) Trends in experience results, economic and investment conditions,governmental or other external influences, and medical and socialdevelopments affecting costs and financial requirements .
162 Financial Reporting Recommendations and Interpretations
4. For non-participating ordinary and industrial life insurance the rangeof such acuarial assumptions should be constrained by the relationship,for an entire line of business or a major block of business , of actual grosspremiums to three theoretical valuation premiums :
Type 1 . A Type 1 valuation premium is a premium based on assump-tions selected as of the acquisition date which include provisions,selected without regard to the level of the gross premium, for the risksof adverse deviations from most likely assumptions .
Type 2 : A Type 2 valuation premium is a premium based on most likelyassumptions (i.e, without provision for the risks of adverse devia-tions ) selected as of the acquisition date.
Type 3: A Type 3 valuation premium is a premium based on assump-tions selected as of the acquisition date which substantially reproducethe actual gross premium.
5. The assumptions for Type 1 valuation premiums and for Type 3 valua-tion premiums should be so chosen that a reasonable balance is main-tained with respect to the provisions for each risk of adverse deviation .
6, if the actual gross premiums equal or exceed the Type I valuation pre-miums, the reserve should be the excess of the present value of futurecosts over the present value of future Type 1 valuation premiums, valuedon Type 1 assumptions .
7. If the actual gross premiums are less than the Type 1 valuation pre-miums but equal to or greater than the Type 2 valuation premiums,the reserve should be the excess of the present value of future costs overthe present value of future Type 3 valuation premiums, valued on Type 3assumptions.
8. If the actual gross premiums are less than the Type 2 valuation pre-miums, the reserve should be the excess of the present value of futurecosts over the present value of future actual gross premiums, valued onType 2 assumptions .
9. Assumptions selected as of the acquisition date should be used in com-puting the reserves for use in all subsequent financial statements, pre-pared by the company in accordance with generally accepted accountingprinciples unless, at a subsequent valuation date, reserve strengtheningis required to recognize future losses . Reserve strengthening is requiredon a valuation date whenever :
a) The then present value of future benefits and expenses exceeds
b) the sum of
(i) the then present value of future gross premiums and
(ii) the current reserve on the existing valuation basis
Financial Reporting Recommendations and Interpretations 163
for an entire line of business or a major block of business , using mostlikely assumptions selected as of the valuation date . Reserves on thestrengthened basis are the excess of the present value of future costs overthe present value of future gross premiums, valued on current mostlikely assumptions * Reserves on subsequent dates should continue tobe valued on those assumptions, unless at a later date further strength-ening is required to recognize future losses. It should be noted that, ifmost likely assumptions are used in the valuation process, there willbe a need for frequent review to determine whether additional reservestrengthening becomes necessary as a result of deterioration in the ex-pected experience.
10. When reserves are calculated according to item 8 or strengthenedaccording to item 9, and when the negative element of the total reservearising from acquisition expenses is separated and shown as an asset(often labeled "unamortized acquisition expense"), the effect of thedeficiency should be recognized first by reducing the "unamortized ac-quisition expense ."
11. The term "acquisition date" as used in this Recommendation meansthe issue date, except that for statements of an acquiring company theterm shall mean the date of purchase where a life insurance companyhas been acquired by purchase or where policies originally issued byanother insurer have been acquired by purchase (In the case of a poolingof interests, the assumptions selected at the issue date should continueto be used unless and until strengthened reserves are required )
12 . Appropriately analogous constraints should apply to the range of suchactuarial assumptions used for lines of non-participating insuranceother than ordinary and industrial life insurance .
13 . In the interest of practicality and the avoidance of unnecessarily burden-some procedures, the actuary should feel free to adopt approximate pro-cedures and to make reasonable groupings of policies as long as he issatisfied that the results of using such procedures and groupings do notdiffer materially from the results of applying the Recommendationdirectly .
(Date of publication July 19, 1973)
INTERPRETATION I-A! UNDERLYING THEORY
1. Important differences between statutory accounting and GAAP account-ing for stock life insurance companies lie in the scope of the reservesystem. The reserve system is a key element in matching related revenue
* Generally accepted accounting principles, as determined by the AICPA Committeeon insurance Accounting and Auditing, require that the most likely assumptions usedin calculating reserves on the strengthened basis contain some degree of conservatismIn compliance with this accounting requirement, it is recommended that any questionsor close decision involved in selecting such assumptions be consistently resolved in thedirection which would result in deferring the recognition of profit
164 Financial Reporting Recommendations and Interpretations
and costs in each of the many accounting periods through which a groupof policies will be in force . The reserve system used in statutory accountingmatches the cost of policy benefits with the net premiums and invest-ment income related to such benefits, and the underlying actuarial as-sumptions are subject to conservative legal constraints. Modified reservemethods represent a significant but imprecise and incomplete meansof matching expenses and related revenue .
2. A key purpose of GAAP accounting is the matching of cost and revenuethrough the use of a reserve system which encompasses all elements ofcost (i .e, expenses as well as benefits, but excluding any specific loadingfor profit) and which presumes the use of actuarial assumptions whichin the words of the Audit Guide are "characterized by conservatismwhich is reasonable and realistic ."
3. Accounting theory takes into consideration, among other concerns, theeffect of accounting practice on the emergence of profits . Insuranceoperating profit (or loss, if negative) will, in general, arise from threesources, the three components being combined algebraically .
a) The effect of expected experience (' i e , most likely assumptions)more (or less) favorable than valuation assumptions ; plus
b) The effect of actual experience more (or less) favorable than ex-pected experience ; plus
c) A specific loading for profit (which may be zero) .
4. The choice of actuarial assumptions affects the distribution of profitamong those sources The general theory underlying the discipliningof actuarial assumptions for GAAP reserves has been called, by the jointActuarial Committee on Financial Reporting, "the intermediate formof release from risk reserving method ."* That form of the release fromrisk reserving method has the effect of applying the following specificdisciplines to the actuarial assumptions and to the relationship betweenthe actual gross premium and the valuation premium based on thoseassumptions .
a) Each actuarial assumption underlying GAAP reserves should bechosen with due regard to providing for the risk of adverse deviation,over and above the most likely assumption,
b) There should be a reasonable balance among the provisions for riskof adverse deviation, both by type of assumption and by policy year,
* See Richard G . Horn, "Life Insurance Earnings and the Release from Risk PolicyReserve System ," Transactions of the Society of Actuaries, XXIII (1971), 391-418 .The theory is also discussed in the Response of the Joint Actuarial Committee onFinancial Reporting Principles to the August, 1972, exposure draft of "Audits of StockLife Insurance Companies," September 29, 1972 .
Financial Reporting Recommendations and Interpretations 165
c) Any specific loading for profit in the actual gross premium is limitedto the excess, if any, of the gross premium over the valuation pre-mium based on actuarial assumptions which include appropriateprovisions for the risks of adverse deviation, and
d) Measures to avoid deferring the recognition of loss should be takenif the actual gross premiums are inadequate .
5. With those disciplines, profits from the first source should be positiveand will emerge substantially in proportion to release from risk; profitor loss from the second source will emerge in each accounting period tothe extent that actual experience is more favorable or less favorable thanexpected experience ; and any profit from the third source will emergesubstantially in proportion to the receipt of premiums .
6. The relationships defined in paragraph 4 of Recommendation I may beapplied for an entire line of business or at the discretion of the actuary,for major blocks within a line . The actuary would not be expected tocompute Type 2 and Type 3 premiums if actual gross premiums equal orexceed Type I premiums, nor would he be expected to compute Type 3premiums if actual gross premiums are less than Type 2 premiums .
7. The determination of actual gross premiums is the responsibility andprerogative of the company If the gross premiums so established makerelatively small provision for the risks of adverse deviation, the GAAPreserves will be based on actuarial assumptions which produce a valu-ation premium substantially equal to the actual gross premium, withno specific loading for profit .
8. A loading for profit can be recognized in GAAP accounting only to theextent that the gross premium is larger than the valuation premiumbased on assumptions which make reasonable provisions for the risks ofadverse deviation. If it is desired that the gross premium contain aspecific loading for profit, it will be the responsibility of the actuary todetermine the amount of provision for the risk of adverse deviationassociated with each assumption which, in the aggregate effect on thevaluation premium, is reasonable
9. If the actual gross premium is unusually low, it will be the responsibilityof the actuary to test whether measures should be taken to avoid defer-ring the recognition of loss
(Date of publication July 19, 1973)
INTERPRETATION 1B : CONSERVATISM1. The AICPA Audit Guide states that "conservatism in valuing assets and
liabilities and in accounting for revenues and costs is necessary becauseof the uncertainties inherent in the use of actuarial assumptions andestimates for contracts guaranteeing performance over long periods of
166 Financial Reporting Recommendations and Interpretations
time and the risk of unfavorable variations (adverse deviations) fromsuch assumptions and estimates" (pages 63-64) . The Audit Guidegoes on to say, "However, as contemplated by generally accepted ac-counting principles, such conservatism must be reasonable and realistic ."
2. The theory which underlies Recommendation #1 provides a way bywhich quantitative concepts can be used in discussions of the indefiniteconcept "conservatism" . It does so by recognizing the principle that noportion of the actual gross premium should be available as a specificloading for profit unless the risks of adverse deviation have been dulyprovided for in the valuation premium .
3. With respect to each assumption , provisions for adverse deviationshould be made in such a way as to not decrease the valuation premium .The provisions for adverse deviation should be distributed among theassumptions and among policy years by considering the degree of un-certainty associated with the assumption and the financial effect on thecompany of deviation from the valuation assumptions For all durations,the aggregate reserve should equal or exceed the amount the aggregatereserve would equal if no provision were made for adverse deviation .In general, the conditions described in this paragraph relating to thelevel of the valuation premium and the level of the aggregate reserveshould be satisfied for all issues of a calendar year for a line of busi-ness It is not necessary that the relationships hold for each plan and eachage at issue . The valuation premium condition is to be satisfied by theprovision for adverse deviation made in each actuarial assumption . Theaggregate reserve condition is for the provision for adverse deviationin all assumptions combined and is to be satisfied by the difference be-tween the amount carried on the balance sheet as reserve liability andthe amount carried as a deferred charge on account of unamortizedacquisition expense, not on these two reserve components separately(see paragraph (2), Interpretation 1-0 .
4. It would not be reasonable to use current market yields, at a time whencurrent yield rates are high in historical perspective, as the long terminterest assumption for Type One premiums Whatever interest as-sumption may be justifiable for early policy years, a conservative inter-est assumption for distant policy years should take into account thehistorical perspective.
5. The choice of actuarial assumptions for old blocks of business involvesspecial considerations when a company is preparing its first financialreports in accordance with generally accepted accounting principles . Theusual procedure for existing business would be to base actuarial assump-tions on those underlying the actual gross premiums, subject to ap-propriate testing of the adequacy of the gross premiums in the light ofcurrent most likely assumptions . In principle, the degree of conservatismadopted for old blocks of business, with respect to assumptions con-sidered appropriate for the time that such business was issued, shouldbe consistent with the degree of conservatism considered appropriate
Financial Reporting Recommendations and Interpretations 167
for new business at the time of transition The use of a greater degree ofconservatism in choosing assumptions for the valuation of business ex-isting at the time of transition would normally increase the stated earn-ings in the years after the transition and would be inappropriate .
(Date of publication January 19, 1976)
INTERPRETATION 1-C EXPENSES
1 . Generally Accepted Accounting Principles require that the cost of in-surance benefits and the expenses associated with acquiring and main-taining insurance business be recognized in relation to premium rev-enue. For long-term policies of individual life insurance and individualhealth insurance the reserve system is the actuarial technique for achiev-ing such matching of insurance costs to revenue .
2 . The Audit Guide's requirement that the negative reserve componentreflecting prepaid and unamortized acquisition expenses be shown sep-arately as a deferred charge is based on accounting principles, not onactuarial principles. The choice of methods for determining the amountof such deferred charge is not necessarily governed by actuarial princi-ples, but actuarial techniques may be employed for such determinationand must be employed to test recoverability of the amount of unamor-tized acquisition expense . To be consistent with actuarial principles, thedifference between the amount carried on the balance sheet as reserveliability and the amount carried as deferred charge on account of un-amortized acquisition expense must be substantially equal to the presentvalue of future costs less the present value of future valuation premiums,based on actuarial assumptions determined in accordance with Recom-mendation 1 .
3. Sound actuarial practice takes account of all elements of future cost,including all maintenance expenses, when testing the adequacy of pre-miums and reserves to carry policies to completion, and it is goodactuarial practice to include actuarial assumptions for level mainte-nance expenses in reserve computations. For those policies for whichlevel premiums are payable throughout the term of the policy, it istrue, as the Audit Guide suggests, that the actuarial assumption forlevel maintenance expenses does not affect the reserve . The reserve forother types of policies may be affected, however, and any maintenanceexpense assumption which is not level will always affect the reserve .Similarly, unlevel renewal commissions will affect either the reserve orthe amount of unamortized acquisition expenses .
4. Although actuarial principles might recognize other alternatives, theAudit Guide requires that the amount of provision for deferred acquisi-tion expenses taken into the reserve system for any accounting periodnot differ materially from the actual recoverable deferrable acquisitionexpenses of that period. Thus, if actual deferrable acquisition expenses arematerially greater than the provision made in the valuation premium
168 Financial Reporting Recommendations and Interpretations
for such expenses, the actuary should increase the provision for acqui-sition expense in the valuation premium, provided that the resultingvaluation premium does not exceed the gross premium . Similarly, ifactual deferrable acquisition expenses are materially less than the pro-vision made in the valuation premium for such expenses, the actuaryshould eliminate the difference from the amount of acquisition expensesdeferred. Adjustments because of differences between actual and as-sumed acquisition expenses should be reflected in the valuation pre-miums used when making the recoverability test specified in para-graphs 4 through 8 of Recommendation 1 .
5. The amount of certain items of deferrable acquisition expense cannotbe known in time to be used in the financial statements of the accountingperiod in which policies are issued, and must be estimated . Such itemsmay include, for example, first-year commissions and expenses relatedto first-year premiums which are paid on other than an annual basis .
6. The Audit Guide requires the auditor, when reviewing the actualamount of acquisition charges which may be deferred, to recognize forthat purpose "only those acquisition expenses which both vary with,and are primarily related to, the production of new business." Whenconsidering any indirect expense, the Guide advises the auditor thatjudgment will be required, "with overriding considerations being thoseof reasonable conservatism, consistency, and recoverability ." The actuaryshould be prepared to demonstrate the relationship between any item ofactual acquisition expense and the provision in the valuation premiumfor acquisition expense, and the effect of that relationship on recover-ability . Any first-year expense not deferred will be charged against in-come in the accounting period in which it is incurred and thus notmatched against future premium revenues . In order that the valuationpremium include provision for all future costs , it is important that anyitem charged as a first-year expense not include any amount whichproperly should be attributed to any subsequent policy year
(Date of publication October 4, 1973)
RECOMMENDATION 2 • RELATIONS WITH THE AUDITOR
1. This Recommendation supplements Opinion A-6 in giving importantadvice concerning the actuary's relations with the auditor in connectionwith review of financial statements of a stock life insurance companyto be presented as having been prepared in accordance with "generallyaccepted accounting principles" as that term is understood in the UnitedStates .
2. The actuary will appreciate that if the auditor is unable to form anopinion on the basis of information furnished by the actuary the auditormay submit the actuary's findings to another qualified actuary for review,
Financial Reporting Recommendations and Interpretations 169
and in such case the actuary should make his material available to theother actuary and should himself be available for supplemental adviceand explanation .
3. A consulting actuary who is engaged with an auditor in the same auditshould prepare a written plan of coordination clearly setting forth the na-ture and scope of the actuary's responsibilities with respect to the audit .The actuary should clearly identify in writing to the auditor the basicrecords he has relied upon in the course of his work and should describeany interpretations relied upon (e g, "valuation amounts" for decreasingterm plans is initial amount, "age" for renewable term plans is originalage, etc.) The actuary should clearly document his work and shouldeither reconcile his figures with those appearing in published financialstatements or should submit a letter to the auditor setting forth details ofthe figures he has reviewed and ask the auditor for a copy of his reconcil-iation to published financial statements
(Date of publication April 25, 1974)
INTERPRETATION 2-A: RELATIONS WITH THE AUDITOR
1. When a public accountant audits financial statements of a life insur-ance company which are intended for publication or for filing with aregulatory authority such as the Securities and Exchange Commission,the auditor is required by the tenets of his profession to form and ex-press an opinion as to whether the statements fairly reflect the oper-ations and the condition of the company in accordance with generallyaccepted accounting principles. The meaning of "generally acceptedaccounting principles" as applied to the financial reporting of a stocklife insurance company is described in "Audits of Stock Life InsuranceCompanies," published by the AICPA .
2. Generally accepted accounting principles differ in certain materialrespects from accounting principles prescribed by state regulatory au-thorities and from those prescribed for life insurance companies byfederal tax law . The Audit Guide's definitions of generally acceptedaccounting principles do not apply to financial statements prepared forsuch purposes, and an auditor who audits financial statements which arebased on such other accounting requirements will be required to qualifyhis opinion appropriately .
3. Pages 63 and 64 of the Audit Guide comment on background materialwhich is of concern to both actuaries and auditors . Pages 97 to 99 ofthe Audit Guide contain advice to the auditor on utilization of actuaries .
(Date of publication April 25, 1974)
INTERPRETATION 2-B . DOCUMENTATION
1. A consulting actuary engaged with an auditor to audit or review afinancial statement of a stock life insurance company, or specified ele-
170 Financial Reporting Recommendations and Interpretations
ments thereof, shall clearly document his work (Recommendation 2) .It is prudent and reasonable to prepare documentation which bothaids the actuary in his work and provides support for the actuarialreport or opinion rendered pursuant to his audit or review .
2. Documentation should include an adequate and complete description ofthe nature and scope of the actuary's engagement and should be soclearly and systematically prepared that it will be possible at any timeto determine from such documentation the procedures followed, thetests performed, the evidential matter collected, the conditions found,and the conclusions reached. Accordingly, documentation may includework programs, analyses, memoranda, letters of confirmation and rep-resentation, complete copies of or excerpts from company documents,and schedules or commentaries prepared or obtained by the actuary .
3. Documentation should fit the circumstances and the actuary's needson the engagement to which it applies . The factors affecting the actuary'sjudgment as to quantity, type, and content of the documentation de-sirable for a particular engagement include (a) the nature and scopeof the work undertaken and the report or opinion required pursuantthereto, (b) the nature and condition of the actuary's and/or com-pany's records he reviews, and (c) the needs in the particular circum-stance for supervision and review of the work performed by any assist-ants.
4. Although the quantity, type and content will vary with the circum-stances, documentation should generally include or show-
a) Information sufficient to demonstrate that the items audited or re-viewed were in agreement with (or reconciled with) the company'srecords .
b) That the actuary's activities had been planned and coordinated withauditor engaged in the audit or review .
c) The procedures followed, tests performed, and documentary evidencecollected to support findings and conclusions .
d) The resolution of exceptional or unusual matters
5. Such documentation shall be the property of the actuary. He shouldadopt reasonable procedures for its safe custody with particular regardfor the provisions of item 2 (b) of the Academy's Guide to ProfessionalConduct. The actuary should retain his documentation for a period oftime sufficient to meet the needs of his work and to satisfy any pertinentlegal requirements for record retention . While such documentation shallbe the property of the actuary, he is, of course, subject to all applicablelegal requirements. The enumeration of these is beyond the scope ofthis Interpretation .
(Date of publication October 10, 1975)
Financial Reporting Recommendations and Interpretations 171
RECOMMENDATION 3 : ACTUARIAL REPORT ANDSTATEMENT OF ACTUARIAL OPINION (1974)
1 . This Recommendation applies to the work of an actuary who acts fora stock life insurance company in the preparation of its financial state-ments, who contributes elements for inclusion in any such financial state-ment, or who audits or reviews elements of such a financial statement,when such financial statement is to be presented as having been preparedin accordance with "generally accepted accounting principles" as thatterm is understood in the United States .
2. As used in This Recommendation and related Interpretations, "Ac-tuarial Report" means the actuary's report to management and auditorreferred to in Number 4 of Opinion A-6 on the Academy's Guide toProfessional Conduct, and "Statement of Actuarial Opinion" means astatement of the acuary's opinion prepared for publication with financialstatements, referred to in Numbers 2 and 5 of Opinion A-6 . A writtenplan of coordination or other working communication of a consultingactuary to an auditor as referred to in paragraph 3 of Recommendation2 is not an "Actuarial Report" or a "Statement of Actuarial Opinion"within the meaning of this Recommendation .
3. Any judgment as to the appropriateness of the actuarial assumptionsused in preparing data for financial statements must be formed in thelight of the purpose for which the statements are being prepared Fi-nancial statements which are primarily intended to reflect a matching ofrevenues and costs in accordance with generally accepted accountingprinciples may require the use of actuarial assumptions which differfrom those which would be used in, for example, financial statementswhich give primary emphasis to solvency for the protection of policy-holders, as is the case with statements based on standards prescribed bystate regulatory authorities .
4. Guide 4(d) provides, in part, that "When a member characterizes re-serves as adequate, he shall either (i) assure himself that they meet anyapplicable statutory or regulatory standards or (ii) clearly qualify hischaracterization in this respect, including an explicit statement as towhether the reserves meet such statutory or regulatory standards ."
Actuarial Report
5. Opinion A-6 provides (No. 4), "When an actuary's work relates tofinancial statements prepared in accordance with generally acceptedaccounting principles, it is the opinion of the (Professional Conduct)Committee that Guide 2 (c) requires as a minimum that an actuarialreport should be furnished to the company and to the company's inde-pendent auditor, if any," and (No. 6), "It is the opinion of the (Profes-sional Conduct) Committee that Guide 4(a) as applied to the actuary'swork in connection with financial statements prepared in accordancewith generally accepted accounting principles requires that the actuarydisclose to the auditor the actuarial assumptions and methods, including,
172 Financial Reporting Recommendations and Interpretations
where appropriate, an appraisal of their suitability for the purposes athand and reference to factors which have not been considered ."
6. An Actuarial Report should contain descriptions of the scope of theactuary's work and of the actuarial assumptions and methods used .
7. An Actuarial Report should contain expressions of the actuary's opinionas to whether the reserves and other actuarial items in the statementsare based on assumptions which are appropriate to the purpose for whichthe statements were prepared, whether the methods employed are con-sistent with sound actuarial principles, and whether provision has beenmade for all actuarial reserves and related statement items which oughtto be established. An Actuarial Report should also include a statement ofthe actuary's opinion as to whether any amount carried in the balancesheet on account of unamortized acquisition expenses and the amount ofliabilities carried on account of other future policy obligations and ex-penses are fairly stated (i.e, neither materially understated nor materiallyoverstated) in accordance with sound actuarial principles (c .f., Recom-mendation 1) .
8. If the actuary is unable to form an opinion in any respect defined inparagraph 7, or if his opinion in any such report is adverse or qualified,the Actuarial Report should specifically state the reason,
9. Material changes in actuarial assumptions from those previously usedshould be disclosed in an Actuarial Report and their effects noted . Suchdisclosures should not be limited to factors explicitly assumed but shouldinclude reference to the handling, or absence of handling, of such otherfactors as the actuary in his judgment deems to have pertinence . Theadoption for new issues of an actuarial assumption which differs froma corresponding assumption used for any prior issues is not a change inactuarial assumptions within the meaning of this paragraph .
10. The report should also compare (a) the amount of net liability forfuture policy obligations and expenses, less any amount of unamortizedacquisition expenses, with (b) the amount of net liability for futurepolicy obligations reported in financial statements filed with state regu-latory authorities ; and if (a) is less than (b) the report should statethe amount of the difference . The "net liability" referred to in (a) and(b) above should reflect adjustments for deferred premiums and otherrelated items .
Statement of Actuarial Opinion11. Opinion A-6 states (No 4) that the objective of Guide 2 (c) will be
more fully satisfied if the auditor's opinion identifies the actuary or ifpublished financial statements include a formal Statement of ActuarialOpinion.
12. A written Statement of Actuarial Opinion prepared for publicationwith financial statements of a life insurance company will normally in-clude statements as to the scope of the actuary's participation in the
Financial Reporting Recommendations and Interpretations 173
preparation and the appraisal of the financial statements, his professionalopinion as to the actuarial elements in the statements, and a statementof his relationship to the company . Such Statement of Actuarial Opinionshould cover the subjects referred to in paragraphs 6, 7, 8, 9, and 10above, although normally without the supporting detail which wouldbe appropriate in an Actuarial Report
Other Actuarial Statements
13. In preparing any statement or report relating to a life insurance com-pany, other than an Actuarial Report or Statement of Actuarial Opiniondescribed in this Recommendation, the actuary should be aware of theGuides to Professional Conduct as interpreted by Opinions of theProfessional Conduct Committee.
(Date of publication April 25, 1974)
INTERPRETATION 3-A . ILLUSTRATIVE STATEMENTSOF ACTUARIAL OPINION
1. A Statement of Actuarial Opinion will normally consist of a scope par-agraph, describing the scope of the actuary's work and his relationshipwith the company, and an opinion paragraph identifying the subjectson which an opinion is to be expressed, and expressing such opinion. Oneor more additional paragraphs may be needed in individual cases if theactuary considers it necessary to state a qualification of his opinion orto explain some aspect of the financial statements which is not alreadysufficiently explained in a footnote .
2. The following are examples, for illustrative purposes, of language whichin typical circumstances might be included in a Statement of ActuarialOpinion in connection with financial statements of a stock life insur-ance company prepared in accordance with generally accepted account-ing principles as that term is understood in the United States . The illus-trative language should be modified as needed to meet the circumstancesof a particular case, and the actuary should in any case use languagewhich clearly expresses his professional judgment.
3. The scope paragraph of a Statement of Actuarial Opinion should con-tain a sentence which describes the facts of the actual situation, such asone of the following :
a) "I am the Vice President of the X Life Insurance Company and ama Member of the American Academy of Actuaries ."
b) "I am associated with the firm of A & B, Consulting Actuaries, andam a Member of the American Academy of Actuaries I have (havenot) been involved in the preparation of the financial statements ofthe X Life Insurance Company ."
4. The scope paragraph should also contain a sentence such as the follow-ing :
174 Financial Reporting Recommendations and Interpretations
"I have examined the Actuarial assumptions and actuarial methods usedin determining future policy obligations and expenses, deferredacquisition expenses, and related actuarial items (list other materialitems) in the financial statements of the Company, as prepared bythe Company to accord to generally accepted accounting principles,as of December 31, 19-, and December 31, 19-, and for the yearsthen ended."
5. If the actuary has examined the underlying records the scope paragraphof a Statement of Actuarial Opinion might include a sentence such asthe following :"My examination included such review of the actuarial assumptions and
actuarial methods and of the underlying basic records and such testsof the actuarial calculations as I considered necessary ."
If the actuary has relied upon an independent auditor's review of basicin-force records the foregoing sentence might be preceded by a sentencesuch as the following :"I relied upon the auditor's verification of basic in-force records ."
In such case the sentence as first suggested above might commence :
"In other respects my examination (etc .) ."
6. The expressions of opinion described in paragraph 7 of Recommenda-tion 3 might be expressed as follows'
"In my opinion the amounts carried in the balance sheet on account ofunamortized acquisition expenses and on account of other futurepolicy obligations and expenses are computed by sound actuarialmethods consistently applied and are fairly stated in accordance withsound actuarial principles, and are based on actuarial assumptionswhich are appropriate to financial statements of the Company pre-pared in accordance with generally accepted accounting principlesand which are consistent with the assumptions previously employed ;and provision has been made for all actuarial reserves and relatedstatement items which ought to be established ."
If there has been any change in the actuarial assumptions or methodsfrom those previously employed, that change should be described in afootnote to the financial statements or in a previous paragraph of theStatement of Actuarial Opinion, and the reference above to consistencyshould be modified by inserting a phrase such as .
with the exception of the change described in the preceding par-agraph (or in footnote-) . . "
7. The comparison of net liabilities referred to in paragraph 10 of Rec-ommendation 3 might be stated as in one of the following examples, orin such other way as meets the circumstances of a particular case'a) The amount of net liability for future policy obligations and ex-
penses, less the amount of unamortized acquisition expenses is .
Financial Reporting Recommendations and Interpretations 175
$ less than the amount of net liability for future policy obliga-tions reported in financial statements filed with the Insurance Com-missioner of the State of-,
b) The amount of net liability for future policy obligations and ex-penses, less the amount of unamortized acquisition expenses, plusan amount of $__ - provided for in restricted surplus, is at leastequal to the amount of net liability for future policy obligationsreported in financial statements filed with the Insurance Commis-sioner of the State of
c) The amount of net liability for future policy obligations and ex-penses, less the amount of unamortized acquisition expenses, is atleast equal to the amount of net liability for future policy obligationsreported in financial statements filed with the Insurance Commis-sioner of the State of _ .
8. The text of an Actuarial Report is likely to be much more detailed andmore extensive than the text of a Statement of Actuarial Opinion, andthe form is likely to be controlled by the nature and extent of the in-formation to be recorded .
(Date of publication April 25, 1974)
RECOMMENDATION 4• REINSURANCE CEDED BY LIFEINSURANCE COMPANIES (1974)
1. This Recommendation applies to the treatment of ceded reinsurance infinancial statements of a stock life insurance company to be presentedas having been prepared in accordance with "generally accepted account-ing principles" as that term is understood in the United States .
2. When reserves are computed according to generally accepted account-ing principles, the cost of reinsurance ceded should be taken into con-sideration in the same manner as other costs An equivalent alternativeto recognizing the cost directly in the reserve calculation is to calculatethe reserves without consideration of reinsurance and calculate an ad-justment to this reserve for the ceded reinsurance . Although this adjust-ment is frequently referred to as a "reinsurance reserve cred it," it is im-portant to keep in mind that it is actually an adjustment of the basicreserve and has no special independent significance . In particular, thereis no necessary relationship between the reinsurance reserve adjustmentof the reinsured company and the reserve for the reinsurance acceptedestablished by the reinsurer (except in the case of affiliated companiesfiling consolidated statements) .
3. In determining the reinsurance cost, it is appropriate to take into con-sideration the expected value of all transactions between the reinsurerand the reinsured including reinsurance premiums, claim reimburse-ments, experience refunds, and any other benefits or expenses reim-bursed by the reinsurer. Because the reinsurance reserve adjustmentrelates to the reserves for the basic policy, it is important that the as-
176 Financial Reporting Recommendations and Interpretations
sumptions for the reinsurance adjustment be consistent with the origi-nal assumptions When testing for recoverability of acquisition expensesor when testing for the necessity for reserve strengthening to recognizefuture losses, the expected cost of the reinsurance must be taken intoconsideration .
4. In practice, the degree of materiality of reinsurance adjustments is suchthat most companies will be able to use simplified approaches withoutmaterially distorting their financial statements . For example, for YRT,most companies will find it convenient to calculate, as the reinsuranceadjustment, the statutory reserve credit, the unearned reinsurance pre-mium, or, possibly, no adjustment at all . For coinsurance where the con-ditions of the reinsurance parallel those of the original insurance, theadjustment to the benefit reserve would usually be proportional to thebenefit reserve computed prior to adjustment for reinsurance and theexpense reserve would need to be adjusted to reflect the amount and in-cidence of expenses reimbursed by the reinsurer . The same approachwould be appropriate for modified coinsurance whenever the interestcomponent of the reinsurance reserve transfer is computed in a mannerconsistent with the interest assumption in the benefit reserves . The re-sulting benefit reserve must then be increased by the amount of the re-insurance reserves transferred to the company under the reinsurancearrangement. Special consideration must be given to those reinsurancearrangements where the conditions of the reinsurance do not parallelthose of the original insurance
(Date of publication April 25,1974)
RECOMMENDATION 5, RECOGNITION OF PREMIUMS (1974)
1. This Recommendation relates to the recognition of premiums in finan-cial statements of a stock life insurance company to be presented ashaving been prepared in accordance with "generally accepted accountingprinciples" as that term is understood in the United States .
2. The timing of recognition of premium revenue should be consistent forcorresponding gross and valuation premiums . (Such valuation premiumsare the premiums required to maintain the reserves, based upon the ac-tuarial methods and assumptions used in determining such reserves. Thereserves relate to all elements affecting costs-i.e ., all benefits and all ex-penses, excluding any specific loading for profit) Depending on therevenue assumption employed, the items included in premium incomeand the change of reserves will vary among companies and betweenvarious types of insurance . To the extent that premiums are recognizedas revenue in accounting periods different from the accounting periodsin which the premiums are received, appropriate asset or liability pre-mium accrual amounts are necessary. It is necessary that the valuationsystem recognize premiums in the same accounting period as premiumsare recognized as revenue Appropriate adjustments must be made inassets or liabilities to accomplish this
Financial Reporting Recommendations and Interpretations 177
3 . In the absence of any specific adjustment the difference, if any, betweengross premiums and valuation premiums will be reflected in net in-come for the accounting period in which the premiums are recognizedas revenue . To the extent such recognition of this difference as net in-come is inappropriate, adjustments in assets or liabilities must be madein order to recognize it as net income in the appropriate accountingperiod . It would generally be considered inappropriate to recognize asnet income the excess of gross premiums over valuation premiums forpremiums not yet due . The inclusion of premiums not yet due in revenuemay be justified on the grounds of established usage and of consistencywith statutory practices There is no corresponding historical precedentthat would permit the recognition of the associated profit margin in netincome .
4. The timing of the recognition in net income of the difference betweengross premiums and valuation premiums is significant and, if theamount involved is material, there should be disclosure in the ActuarialReport. It is important that this timing be consistent from one account-ing period to the next .
(Date of publication April 2 )
INTERPRETATION NO 5-A• RECOGNITION OF PREMIUMS FORINDIVIDUAL LIFE INSURANCE (OTHER THAN CREDIT)
1 . This Interpretation relates to questions which may arise with respect toindividual life insurance contracts in relating gross premium revenuerecognition to the recognition of valuation premiums in the reservingstructure .
2. The Committee took note of four methods which have been used forrecognizing gross premiums in revenue. These are discussed in par-agraphs 4 - 7 . These methods represent acceptable actuarial practice, butit is the responsibility of the accountant to determine in each casewhether a particular method represents acceptable accounting practice .
The four methods are :Key Words of Described in
Method # Brief Description Description Paragraph #
1 Premiums are recognized only Due and Paid 4when they are both due and paid .
2 Premiums are recognized when Due 5due .
3 Premiums are recognized Continuous 6continuously throughout the year .
4 The entire premium for a policy Statutory 7year is recognized at the beginningof that policy year.
178 Financial Reporting Recommendations and Interpretations
3 . Under each method, consistency of recognition of premium revenuefor corresponding gross and valuation premiums depends upon theproper handling of a number of financial statement items including :gross premium accrual amounts, any valuation premium accrualamounts, and accruals of expense provisions (provided by the reserv-ing structure) related to the premium accruals' These items also affectthe timing of the recognition in net income of any profit margin (anyexcess of the gross premium over the corresponding valuation premium)and the timing of the release from the reserves into net income of pro-visions for adverse deviation. Accordingly, each method is discussedunder the following headings : (a) gross premium, (b) valuationpremium, (c) other items, and (d) net income .
4. Method #1 : Premiums are recognized only when they are both dueand paid .a) Gross premium :
The increase in the gross advance premiums2 is subtracted from thegross collected premiums to obtain gross premium revenue. Theamount of gross advance premiums is a liability. No asset will beheld on account of deferred premiums or uncollected premiums .
b) Valuation premium :If the reserve computation has assumed that the full annual premiumhas been paid (as is the case for the "mean" reserve type computa-tion), then the pro rata valuation premiums corresponding to thegross deferred premiums and to the gross uncollected premiums areapplied to reduce the portion of the reserve carried as a liability andto increase any portion of the reserve carried as a deferred charge .
c) Other items ;
If the reserve computation has assumed that the full annual premiumhas been paid, the amount of the provision (according to the as-sumptions underlying the reserving system) for expenses expectedto be incurred upon the collection of deferred premiums and un-
tFor example : Suppose reserve factors assume that with respect to a premium dueon the second policy anniversary a commission of $80 .00 is payable; hence, theassumption of $80.00 of expense upon payment of the premium due on the secondanniversary is built into the reserving system . Suppose further that at the end of anaccounting period this premium is due but unpaid . The reserving system containedan expense provision of $80.00 which pertains to the premium accrual of the grosspremium due on the second anniversary and was "released" on the date that premiumwas due .
2"Advance premium" is used throughout this Interpretation to refer to a premiumpaid prior to but due after the valuation date. Deferred premium is used here torefer to a premium which is not yet due, but which will he due before the end of thecurrent policy year . This Interpretation relates to advance premiums before applica-tion of any discount ; the accounting for such discount is not within the scope of thisInterpretation .
Financial Reporting Recommendations and Interpretations 179
collected premiums should be applied to adjust the appropriate por-tion of the reserve or set up as a liability .
The amount of expense provision associated with the collection ofadvance premiums should be set up as a deferred charge and thechange in this deferred charge reflected in the income statement.(Alternatively, such expense may be applied to reduce gross advancepremiums.) The increase in reserve item in the income statementwill not reflect any increase in reserves on account of the valuationpremium associated with gross deferred or uncollected premiums .
The income statement will not contain any item representing theincrease in any profit margin related to deferred premiums or un-collected premiums .
d) Net income :Any profit margin related to deferred or uncollected premiums isneither included as an asset nor taken into net income until the ac-counting period during which such premiums are received .
5. Method #2 : Premiums are recognized when due . Those premiums whichare due but uncollected at the end of an accounting period are taken intorevenue. Deferred premiums are handled as in Method #1 .
a) Gross premium :
The increase in the gross advance premiums is subtracted from, andthe increase in the gross due but uncollected premiums is added togross collected premiums to obtain gross premium revenue . Theamount of gross advance premiums is a liability . An asset will beheld on account of the gross premiums which are due but uncol-lected . There will be no asset held on account of deferred premiums .
b) Valuation premium :
If the reserve computation has assumed that the full annual pre-mium has been paid, the pro rata valuation premiums correspond-ing to the gross deferred premiums are applied to reduce the portionof the reserve carried as a liability and to increase any portion of thereserve carried as a deferred charge .
c) Other items :
If the reserve computation has assumed that the full annual premiumhas been paid, the amount of the provision (according to the as-sumptions underlying the reserving system) for expenses expectedto be incurred upon the collection of deferred premiums and un-collected premiums should be applied to adjust the appropriate por-tion of the reserve or set up as a liability .
The amount of expense provision associated with the collection ofadvance premiums should be set up as a deferred charge and the
180 Financial Reporting Recommendations and Interpretations
change in this deferred charge reflected in the income statement .(Alternatively, such expense may be applied to reduce gross ad-vance premiums.) The increase in reserve item in the income state-ment will not reflect any increase in reserves on account of thevaluation premium associated with gross deferred premiums, butwill reflect any increase in reserves on account of the valuation pre-mium associated with gross uncollected premiums .
The probability of noncollection of due but uncollected premiumsmust be recognized (see paragraph 9) .
d) Net income :
Any profit margin in the gross premiums is recognized as the pre-miums are due, subject to the provision for noncollection of due butuncollected premiums. Any profit margin related to deferred pre-miums is neither included as an asset nor taken into net incomeuntil the accounting period during which such premiums are due .
6. Method #3: Gross premiums are recognized continuously throughoutthe policy year .
a) Gross premium :
A liability is established for gross advance and unearned premiums3and an asset is established for gross due and uncollected premiums, aportion of which may also be included in the unearned premiumliability . The increase in gross advance and unearned premiums issubtracted from and the increase in gross uncollected premiums isadded to gross collected premiums to obtain gross premium revenue .
b) Valuation premium :
If the reserve computation has assumed that the premium has beenpaid continuously (as is the case for the "mid-terminal" method ofinterim reserve computation), no adjustment for premiums is ap-plied to either portion of the reserve, either that portion carried asa liability or any portion carried as a deferred charge .
c) Other items :
If the reserve computation has assumed the release of expense pro-visions continuously, the amount of the provision (according to theassumptions underlying the reserving system) for expenses ex-pected to be incurred upon the collection of uncollected premiumsshould be applied to adjust the appropriate portion of the reserve .
3The term "unearned premium" as used here means the unearned portion of a currentpremium payment . It has been pointed out elsewhere that all reserves for future policyobligations are "unearned premium reserves " (cf. 1965 Proceedings of the NationalAssociation of Insurance Commissioners , pp. 74-75)
Financial Reporting Recommendations and Interpretations 181
The amount of any expense provision proportionate to the unearnedpremium and the amount of expense provision associated with thecollection of advance premiums should be set up as a deferred chargeand the change in this deferred charge reflected in the income state-ment. (Alternatively, such expense may be applied to reduce theliability for gross advance and unearned premiums.) The increasein reserve item in the income statement will reflect any increase inreserves on account of the valuation premium associated with thegross uncollected premiums .
The probability of noncollection of due but uncollected premiumsmust be recognized (see paragraph 9) .
d) Net income :
Any profit margin in the gross premiums is recognized continuouslythroughout the policy year . The profit margin on earned premiums isrecognized whether the premiums are paid or unpaid, subject toprovision for noncolleccion of due but uncollected premiums . Theprofit margin on unearned premiums is excluded .
7. Method #4 The entire premium for a policy year is recognized at thebeginning of that policy year . Although this method is the one mostcommonly used for statutory accounting, its treatment of deferred pre-miums does not conform to Rule 7A-03-4 of SEC Regulation S-X, asrevised February 14, 1974, and therefore is not used in financial state-ments prepared in accordance with generally accepted accounting prin-ciples . It is mentioned here only for completeness.
8. Under each method, the proper handling of the various statement items(including : gross premium accrual amounts, valuation premium accrualamounts, and accruals of expense provisions relating to the premiumaccrual) depends upon the formula used in the reserve computation . Asone example, if Method #2 (premiums recognized when due) is usedand the underlying reserve formula is of the "mid-terminal" type (whichassumes premiums are paid continuously and expense provisions arereleased with corresponding timing), then the adjustments describedin paragraph 5 will be modified to the following.a) Gross premium :
The increase in the gross advance premiums is subtracted from, andthe increase in the gross due but uncollected premiums is added togross collected premiums to obtain gross premium revenue . Theamount of gross advance premiums is a liability . An asset will beheld on account of the gross premiums which are due but uncol-lected There will be no asset held on account of deferred premiums
b) Valuation premium :
Since the reserve computation has assumed that the premium hasbeen paid continuously, the valuation premiums corresponding to
182 Financial Reporting Recommendations and Interpretations
the gross unearned premiums are applied to increase the portion ofthe reserve carried as a liability and to decrease any portion of thereserve carried as a deferred charge .
c) Other items :
If the reserve computation has assumed the release of expense pro-visions continuously, the amount of the provision (according to theassumptions underlying the reserving system) for expenses expectedto be incurred upon the collection of uncollected premiums shouldbe applied to adjust the appropriate portion of the reserve or set upas a liability .
The amount of any expense provision proportionate to unearnedpremium and the amount of expense provision associated with thecollection of advance premiums should be a deferred charge and thechange in this deferred charge reflected in the income statement . Theincrease in reserve item in the income statement will reflect any in-crease in reserves on account of the valuation premium associatedwith gross uncollected premiums and with gross unearned pre-miums .
The probability of noncollection of due but uncollected premiumsmust be recognized (see paragraph 9) .
d) Net income :Any profit margin in the gross premiums is recognized as the pre-miums are due, subject to the provision for noncollection of due butuncollected premiums Any profit margin related to deferred pre-miums is neither included as an asset nor taken into net incomeuntil the accounting period during which such premiums are due.
9. Two procedures for recognizing the probability of noncollection of duebut uncollected premiums (referred to in paragraphs 5c and 6c) are :
a) establishing an appropriate liability and charging in the incomestatement an amount equal to the increase in that liability, and
b) where appropriate as an approximation, not counting as an assetany gross premium more than a selected number of days past due .
10. Under Method #1 and Method #2, it is an acceptable alternative toexclude the entire profit margin on the unearned premiums, and underMethod #2 and Method #3, it is an acceptable alternative to exclude theentire profit margin on the due and uncollected premiums, Such ex-clusion can be accomplished by including in the income statement anitem representing the increase in the profit margin to be excluded andestablishing a liability for the amount of such profit margin .
11 . If a portion of the current year's premium is due and uncollected (whetheror not it is recognized in revenue), the reserve liability for future policy
Financial Reporting Recommendations and Interpretations 183
obligations should be determined as of the valuation date (as opposedto the date to which premiums have been paid) .
12. This Interpretation assumes that each premium paying policy has a pre-mium due on its policy anniversary. Where circumstances differ, appro-priate adjustments should be considered .
13, A company's revenue, outgo, net income, assets, liabilities, and surplusaccounts are affected to some extent by the method adopted . The actuaryshould be aware of these effects .
14. The method of recognizing premiums should be disclosed in the Actuar-ial Report, which should state whether the method used is consistentwith the method previously used. If the method is changed, the ActuarialReport should state whether the actuary agrees with the change .
(Date of publication July 30, 1975 )
INTERPRETATION 5-B : RECOGNITION OF PREMIUMS FOR INDIVIDUALHEALTH INSURANCE (OTHER THAN CREDIT)
1 . This Interpretation relates to questions which may arise with respect toindividual health insurance contracts in relating gross premium revenuerecognition to the recognition of valuation premiums in the reservingstructure.
2. Individual health insurance contracts "which are expected to be in forcefor a reasonable period of time and for which elements of expense orbenefit cost are not level " (cf . Audit Guide, page 71) are treated like in-dividual life insurance for purposes of premium recognition . Interpreta-tion 5-A applies to any form of individual health insurance, regardless ofthe renewal provisions provided in the policy, if it is expected that thepolicy may be renewed over a period of years with reasonably predictablepersistency.
3 . Other individual health insurance contracts (except credit) where thepolicy is not expected to be in force for a reasonable period of time willgenerally have a term of one year or less The gross premiums for suchcontracts are recognized as revenue on a pro rata basis over the periodcovered by the premium An unearned gross premium' should be com-puted either on a pro rata basis or by a reasonable approximation thereto .The unearned gross premium may be used in either of two ways, de-pending on the accounting practices of the company, as follows :
a) Gross premiums maybe recognized as revenue in the same way as forindividual life insurance, and the increase in the unearned gross
'The term "unearned premium" as used here means the unearned portion of a currentpremium payment . It has been pointed out elsewhere that all reserves for futurepolicy obligations are "unearned premium reserves " (ef 1965 Proceedings of theNational Association of Insurance Commissioners , pp 74-75 .)
184 Financial Reporting Recommendations and Interpretations
premium will be charged in the income statement like changes in lifeinsurance reserves. This method is most commonly used by life in-surance companies .
b) Premium revenue may be decreased by the amount of increaseduring the accounting period in the gross unearned premium . This isthe method commonly used by casualty insurance companies .
In either case, the reserving structure should take expense into accountin whatever way is necessary to relate expenses to revenue . In the inter-est of practicality, the amount of any deferred charge for acquisitionexpenses may be applied to reduce unearned gross premium; but thisapproach is appropriate only when acquisition expenses are to be spreadover a period of one year or less .
4. Interpretation 5-A applies to the extent not inconsistent with the above .(Date of publication July 30,1975 )
INTERPRETATION 5-C: RECOGNITION OF PREMIUMS FORCREDIT INSURANCE
1 . This Interpretation relates to questions which may arise with respect tocredit life and credit health insurance contracts, both individual andgroup, in relating gross premium revenue recognition to the recognitionof valuation premiums in the reserving structure.
2. The protection under credit insurance contracts is directly associated witha loan agreement or sales contract . Under single premium contracts, theentire premium for the insurance on an individual is paid at the incep-tion of his coverage . Under monthly outstanding balance contracts, pre-miums are paid monthly for the protection granted during the period oneach person covered under one master contract .
3 . Regardless of the type of coverage or manner of premium recognition,the reserving structure or other liability items should take into accountthe expenses related to the contract, premium taxes, retrospective com-mission or experience refund arrangements, and any other pertinentitems .
4. Monthly Outstanding Balance Contracts :
In determining premium revenue for these contracts, the gross unearnedportions of any premium which has been recognized as being receivedmay be determined by the monthly pro rata method .
'The terms "unearned portion" and "unearned premium," etc., as used here meanthe unearned portion of a current premium payment. It has been pointed our else-where that all reserves for future policy obligations are "unearned premium reserves ."(cf . 1965 Proceedings of the National Association of Insurance Commissioners,pp. 74-75 .)
Financial Reporting Recommendations and Interpretations 185
5. Single Premium Contracts :
Premiums for these contracts are recognized as revenue by subtractingfrom the gross collected premium any increase in the gross unearned por-tion of the premiums .
a) Credit Life Insurance :
"Gross premium revenues on such contracts should be recognized inproportion to the amounts of insurance in force " (cf. Audit Guide,p. 69) .
Thus the gross unearned portion of the premiums is generally de-terminable (i) by the sum-of-the-digits (or Rule of 78) methodfor decreasing term contracts, and (ii) by the straightline pro ratamethod for level term contracts (More sophisticated techniquesmay be required for contracts of terms longer than 4 or 5 years.)
In practice , the gross premiums may be recognized as revenue as forindividual life insurance . In this case , the reserving structure and otherliabilities together must include an amount equivalent to the grossunearned premium determined as described above, and in additionrecognize expenses, etc .
b) Credit Health Insurance :
"Gross premiums should be recognized as revenues over the statedperiod of the contract in reasonable relationship to the anticipatedclaims" (cf. Audit Guide, p. 71) . Net single premiums for antici-pated future claims may be determined with reference to tables suchas those published in the Proceedings of the National Association ofInsurance Commissioners, for 1968 and 1970, or to tables based onthe company's own experience. The gross unearned portion of thepremium may be determined as a fraction of the gross single premiumfor the contract, the fraction being equal to the ratio of (i) the netsingle premium for anticipated future claims as of the valuation dateto (ii) the net single premium for anticipated future claims as of thedate of issue of the contract, both based on an appropriate table, asmentioned above.
The value of the gross unearned premium thus determined willgenerally lie between the values determined by the "straight-linepro rata" and "Rule of 78" methods, so that a weighted average of thelatter two values may be used . For many companies, tests will indi-cate that the value determined with reference to the NAIC tables isvery close to the mean of the latter two .
In practice, as for credit life insurance, the gross premiums may berecognized as revenue as for individual life insurance . In this case, thereserving structure and other liabilities together must include anamount equivalent to the gross unearned premium determined asdescribed above, and in addition recognize expenses, etc .
186 Financial Reporting Recommendations and Interpretations
6. Profit Recognition :
The profit margins contained in the gross premiums for these cover-ages should be distributed among time periods in the same proportionsas the recognition of the premiums in revenue .
7. Interpretation 5-A applies to the extent not inconsistent with the above .(Date of publication July 30, 1975 )
RECOMMENDATION 7: STATEMENT OF ACTUARIALOPINION FOR LIFE INSURANCE COMPANY STATUTORY
ANNUAL STATEMENTS
1 . This Recommendation delineates the responsibility of the actuary insigning the type of statement of actuarial opinion which is described inthe Instructions to the NAIC life and accident and health blank asadopted at the June 1975 meeting of the NAIC Blanks Subcommittee .Such opinion relates to the policy and contract reserves and other actuar-ial items contained in an Annual Statement of a Life Insurance Com-pany to a state regulatory authority, i .e ., the "Statutory Statement."
2. The Instructions require that such a statement express the opinion of theactuary as to whether such reserves and other actuarial items :
(i) are computed in accordance with commonly accepted actuarialstandards consistently applied and are fairly stated in accordancewith sound actuarial principles,
(ii) are based on actuarial assumptions which produce reserves at leastas great as those called for in any policy or contract provision asto reserve basis and method, and are in accordance with all otherpolicy or contract provisions,
(iii) meet the requirements of the insurance laws of (state of dom-icile),
(iv) make a good and sufficient provision for all unmatured obligationsof the company guaranteed under the terms of its policies,
(v) are computed on the basis of assumptions consistent with thoseused in computing the corresponding items in the annual state-ment of the preceding yearend,
(vi) include provision for all actuarial reserves and related statementitems which ought to be established .
Paragraphs 4 through 9 comment on these six responsibilities .
3 . The Statement of Actuarial Opinion should list the items and amountson which the actuary expresses an opinion . The list should include but notnecessarily be limited to the aggregate reserve for life policies and con-tracts (Exhibit 8 of the Statement), aggregate reserve for accident
Financial Reporting Recommendations and Interpretations 187
and health policies (Exhibit 9 of the Statement ), net deferred anduncollected premiums, and policy and contract claims liability at the endof the current year (Exhibit 11, Part 1 of the Statement ) . The actuaryneed not extend his or her review to items other than those specified inthe Instructions , except possibly in instances where such items are com-puted by means of a long-term discounting of future payments whichare dependent upon the occurrence of events in the future . Examples ofsuch items might include additional reserves for optional modes of settle-ment at maturity, optional nonforfeiture benefits, additional reserves forexcess mortality under group conversion policies, reserves involving lifecontingencies under Separate Account contracts; reserves for group pen-sion deposit type contracts, and other such items if not included in Ex-hibits 8, 9 and 11, Part 1 .
4. "Commonly accepted actuarial standards" and "sound actuarial princi-ples" emerge from the utilization and adaptation of concepts described inactuarial literature, Such literature includes the Recommendations andInterpretations of the American Academy of Actuaries ; the professionaljournals of the Society of Actuaries, its predecessors, the Conference ofActuaries in Public Practice and the Casualty Actuarial Society ; recog-nized actuarial textbooks, and regulations of the National Association ofInsurance Commissioners and of State Insurance Departments . The StudyNotes for candidates for membership in the Society of Actuaries are alsovaluable parts of the literature, but it should be kept in mind that theStudy Notes are intended primarily to teach basic principles rather thanto specify operating instructions . The actuary's judgment in developingthe standards for the actuarial computation must take into account thespecific characteristics of the policies with respect to which the actuary isexpressing an opinion.
5. A significant element in the examination of actuarial assumptions andmethods is a consideration of the policy and contract provisions affectingthe reserves or other actuarial items which ought to be established Thefollowing is a list of examples-not intended to be complete-of policyprovisions which should be considered : the contractual treatment offractional premiums paid beyond the date of death ; interest guaranteesunder premium or retirement deposit funds ; conversion rights underrenewable and convertible term policies ; rate guarantees under optionalsettlement provisions ; extended benefits under Group policies ; and ma-ternity benefits .
6. The actuary should also check the valuation requirements of the state ofdomicile of the company on whose reserves he or she is expressing anopinion. The actuary should be aware of the prescribed valuation pro-cedures; the minimum reserve basis and valuation method applicable toeach policy series . Examples of prescribed valuation procedures to beconsidered are requirements that reserves may not be less than the cor-responding cash surrender values, and that deficiency reserves for any
188 Financial Reporting Recommendations and Interpretations
premium deficiency must be held . Each specified minimum reserve basisgenerally relates to policies of a given year of issue (or in the case ofgroup annuity contracts, to annuities purchased under those contracts ina given year or years) .
7. It is important to note that the actuary is expressing an opinion on theadequacy in the aggregate of all the enumerated reserves and that possibledeficiencies for individual components of the total reserves may be offsetby margins in other items. In most circumstances the actuary may beable, by examination of the interest, mortality and morbidity assump-tions and the company's prior experience under those assumptions, toform an opinion as to whether the conservative intent of the statutoryprovision has been met in the selection of valuation assumptions . In thoseinstances wherein there is evidence that because of company experienceor practices, inappropriate or inadequate statutory reserve standards, orextraordinary external events occurring prior to the Statement date, thestatutory reserves might not make good and sufficient provision for un-matured obligations, then the actuary should make further tests (possiblyby a gross premium valuation as described in general terms below) beforeexpressing an opinion as to such policy reserves and other actuarial items .
A gross premium valuation may be made for an entire line of businessor a major block of business. The results of such a gross premium valu-ation for a line or block of business are considered satisfactory for thispurpose if the current reserve on the reserve basis being tested providesan appropriate margin over the excess of :
a) the then present value of future benefits and anticipated expenses,
over
b) the then present value of future guaranteed gross premiums
using interest, mortality, morbidity, lapse, expense and any other ap-propriate assumptions selected as of the valuation date reflecting actualand anticipated experience. Provision for the expense of administrationof non-premium paying policies should be made. Model office, samplingand other approximation techniques are appropriate if the actuary issatisfied that the results are indicative for the line or block of businessbeing tested .
With respect to both the claim liabilities in Exhibit 11, Part 1, and thenet deferred and uncollected premium amount, it is incumbent uponthe actuary to pay particular attention to such factors as payment pat-terns, the mix of business by plan (especially health plans) and account-ing cut-off dates.
8. If there is any change in the actuarial assumptions or methods fromthose previously employed, that change should be mentioned in the ac-tuarial statement The adoption for new issues of an actuarial assump-tion or method which differs from a corresponding assumption or
Financial Reporting Recommendations and Interpretations 189
method for prior issues is not a change in actuarial assumptions ormethods within the meaning of this paragraph . Similarly, where thedetermination of reserves or claim liabilities is based on the periodicupdating of experience data, such periodic updating is not a change inactuarial assumptions or methods within the meaning of this paragraph ;examples could include reserves or claim liabilities for recently incurredclaims (e g., within two years or less) under disability and accident andhealth benefits.
9. A statement that provision has been made for all actuarial items whichought to be established is an affirmation by the actuary that he or shewas thorough in his or her consideration of the first five points enumer-ated in paragraph 2, and that recommendations as to these items havebeen carried out to his or her satisfaction .
10. The statement of actuarial opinion should include (1) a paragraphidentifying the actuary and indicating his relationship with the company ;(2) a scope paragraph identifying the subjects on which an opinion is tobe expressed and describing the scope of the actuary's work ; and (3) anopinion paragraph expressing his or her opinion with regard to such sub-jects One or more additional paragraphs may be needed in individualcases if the actuary considers it necessary to state a qualification of hisor her opinion or to explain some aspect of the Annual Statement whichis not already sufficiently explained in the Annual Statement .
(Date of publication December 12,1975 )
INTERPRETATION 7-A: RESPONSIBILITIES OF THE ACTUARYAND OTHERS
1. An actuary stating an actuarial opinion in a Statutory Annual Statementis expressing a personal opinion for which the actuary takes full re-sponsibility, except to the extent to which the opinion indicates relianceon other opinions. However, the actuary will ordinarily make use ofother personnel to carry out assignments relative to the matters whichthe opinion covers . The actuary should not ordinarily indicate, in theopinion, reliance on such other persons .
2 . The Instructions include wording appropriate for use in the case wherethe actuary relies on an accounting firm for the accuracy of the inforceinventory . That wording is appropriate for use where the accountingfirm maintains the company inforce inventory. However, the actuaryshould not indicate reliance on an accounting firm that acts solely as anauditor of the inforce inventory, since it is the intent of the Instructionsthat the actuary indicate reliance, if at all, on the person or firm directlyresponsible for maintaining the inforce .
3 Most life insurance companies have an organizational structure in whichthe pertinent financial reporting responsibility is held by a single actuary
190 Financial Reporting Recommendations and Interpretations
or chief actuary who has knowledge of the actuarial items pertaining to alllines of the company's business . In that case the one actuary should signthe opinion as called for by the Instructions . However, in a life insurancecompany where no one actuary has sufficient knowledge of the actuarialitems to enable him to render a single opinion for the business of theentire company (as, for example, may occur in a company where finan-cial reporting responsibility for various product lines is divided amongtwo or more actuaries), the actuaries should consider how best tocomply with the Instructions requiring the "statement of a qualifiedactuary . . . . ." The question should also be considered where a com-pany actuary is responsible for some actuarial statement items and an out-side actuarial consultant is responsible for others .
In those circumstances where more than one actuary is to sign a state-ment of opinion, the following approaches appear to the Committee tobe in accordance with the intent of the Instructions and satisfactory froma professional standpoint :
a) One actuary could state an opinion as to all the actuarial items, andindicate reliance on another actuary's statement of opinion, also in-cluded on the same page of the Statement, as to that portion of theactuarial items for which the second actuary, rather than the first,takes responsibility.
b) Each actuary could sign the statement of opinion with respect tothe portion of the actuarial items for which that actuary takes re-sponsibility. The opening paragraph, scope paragraph and opinionparagraph should properly identify the actuaries who are renderingthe statement of opinion. The statement should clearly identify theseparate amounts of the listed actuarial items on which each actuaryis expressing an opinion Below each actuary's signature there shouldbe added such words as "with respect to (line of business-Life,Group, Health, Annuity, etc., as appropriate) actuarial items ."
(Date of publication December 12, 1975 )
INTERPRETATION 7-B : ADEQUACY OF RESERVES
1. The actuarial opinion deals with policy and contract reserves and otheractuarial items . It does not call upon the actuary to express an opinionwith regard to the general assets of the company The NAIC spells outthe valuation bases for assets in some considerable detail, and it is ex-pected that the actuary can rely on the company's valuation of assets inaccordance with those procedures, and the resulting portfolio yield asexpressed in the Annual Statement, in determining valuation interestassumptions.
2. In forming an opinion as to whether reserves "make a good and sufficientprovision for ail unmatured obligations of the company . . .", the actuaryshould evaluate the actuarial assumptions used by comparison with plau-sible sets of adverse circumstances and in relation to the time periods
Financial Reporting Recommendations and Interpretations 191
over which such circumstances can plausibly be expected to prevail . Tohold reserves so great that a company could withstand any conceivablecircumstances, no matter how adverse, would imply an excessive levelof pricing of the insurance product, and good actuarial practice does notencompass such a degree of conservatism .
3. The comments on gross premium valuation in the seventh paragraph ofRecommendation 7 refer to "an appropriate margin " over the grosspremium reserves Appropriateness of the margin should be judged inthe manner described in paragraph 2 above. That gross premium valu-ation is a test for solvency under assumptions based on actual and antic-ipated experience . Therefore , the following factors should be con-sidered :
a) trends in the company 's unit expense rates, including but not limitedto the impact of inflation and of changes in productivity of companystaff and equipment upon such expense rates ;
b) consistency between the trends in annual statement portfolio yieldrates and the inflation assumption used for unit expense rates ; and
c) the extent to which policy dividends may be reduced in the future, ifsolvency is in question .
(Date of publication December 12, 1975 )
APPLICATION FOR ADMISSIONINTO THE AMERICAN ACADEMY
OF ACTUARIESThe requirements for admission to the Academy are set forth in Article I
of the Bylaws An individual who meets the experience and educational re-quirements and wishes to apply may request an application form from theAdministrative Office of the Academy in Chicago .
The application form is designed to develop sufficient information con-cerning both the applicant's actuarial education and experience in responsibleactuarial work to enable the Admissions Committee to determine whether theestablished requirements for admission are satisfied. The applicant should besure to give complete information with respect to each section of the appli-cation. If insufficient space is provided for this purpose, a supplementalstatement should be appended to the application . Applications should befilled in legibly, preferably typewritten .
A nonrefundable application fee of $25 must accompany the application .This is a charge for processing the application and will not be applied towardthe payment of dues for those candidates accepted . Application fees paid bycandidates who are not accepted will not be refunded .
Applications and all inquiries should be addressed to
AMERICAN ACADEMY OF ACTUARIESADMINISTRATIVE OFFICE208 SOUTH LA SALLE STREETCHICAGO, ILLINOIS 60604
192
OTHER ACTUARIAL ORGANIZATIONS
Officers :PresidentPresident-ElectVice-PresidentSecretaryTreasurer
RONALD L. BORNHUETTER
GEORGE D. MORISON
P. ADGER WILLIAMS
DARRELL W. EHLERT
WALTER J. FITZGIBBON, JR.
200 East 42nd Street, New York, New York 10017Phone (212) 557-8637 - 8638
Meetings in 1976 :MAY 23-26 The Breakers, Palm BeachNOVEMBER 17-19 Sheraton Harbor Hotel, San Diego
CONFERENCE OF ACTUARIES IN PUBLIC PRACTICE*Officers:
President CARROLL E. NELSONPresident-Elect PRESTON C. BASSETT
Vice-Presidents THOMAS T . CHAMBERLAIN
JAMES A. CURTIS
LAWRENCE MITCHELL
DAVID M. READE
Secretary CHARLES B. H. WATSONTreasurer ORVILLE C BEATTIE
208 South La Salle Street, Chicago, Illinois 60604Phone (312) 782-8683
Meetings in 1976 :OCTOBER 7-8 Century Plaza Hotel, Los Angeles
FRATERNAL ACTUARIAL ASSOCIATION*Officers :President EUGENE PORTER
Vice-President andSecretary } WILSON W. NAGGs
Treasurer JOHN D. BALLARD
c/o Modern Woodmen of America, Rock Island, Illinois 61201Phone (309) 786-6481
* One of the four original organizations that formed the American Academy ofActuaries .
CASUALTY ACTUARIAL SOCIETY*
193
194 Other Actuarial Organizations
Meetings in 1976:MONDAY, SEPTEMBER 27 Diplomat Hotel, Hollywood, Florida
SOCIETY OF ACTUARIES*Officers:President JOHN M. BRAGG
President-Elect ROBERT T . JACKSON
Vice-Presidents E. PAUL BARNHART
JOHN C . MAYNARD
JAMES C. HICKMAN
JULIUS VOGEL
Secretary J. JACQUES DESCHENES
Treasurer ANNA MARIA RAPPAPORT
208 South La Salle Street, Chicago, Illinois 60604Phone (312) 236-3833
Meetings in 1976:APRIL 1 -2 Shoreham, WashingtonMAY 20-21 Shamrock Hilton , Houston
JUNE 3-4 Drake, ChicagoOCTOBER 18-20 Four Seasons Sheraton, Toronto
CANADIAN INSTITUTE OF ACTUARIESOfficers:President ROBIN B. LECKIE
President-Elect M. DAVID R. BROWNSecretary HORACE W. MCCUBBIN
Treasurer SHEILA M. QUINNSuite 506, 116 Albert St ., Ottawa, Ontario, KIP-5G3
Phone (613) 234-9552
Meetings in 1976 :MARCH 11-12 Hyatt Regency, TorontoJUNE 16-17 Auberge des Gouverneurs, QuebecNOVEMBER 18-19 Bonaventure , Montreal
INTERNATIONAL ACTUARIAL ASSOCIATION
United States Officers:Vice-President ROBERT J. MYERs
*One of the four original organizations that formed the American Academy ofActuaries.
Other Actuarial Organizations 195
Secretary and NationalCorrespondent - U .S.Section FREDRICK E. RATHGEBER
Council PRESTON C. BASSETT
LERoY SIMON
CHARLES LAMBERT TROWBRIDGE
JOHN C. WOODDY
Prudential Insurance Company of America,Prudential Plaza, Newark, New Jersey 07101
Phone (201) 336-1234
Next Meeting :OC'T'OBER 25-
NOVEMBER 1, 1976 Tokyo, Japan
INTERNATIONAL ASSOCIATION OFCONSULTING ACTUARIES
Officers :Chairman PRESTON C. BASSETT
Vice-Chairman RAYMOND C. PALMER
Secretary-Treasurer EVAN INNES
TPF & C., 600 Third Ave., New York, N.Y. 10016
Next Meeting:NOVEMBER 7-11,1976 Sydney, Australia
ACTUARIAL CLUBS*ATLANTA ACTUARIAL CLUB
RICHARD S. WOLF, PresidentJEROME WINKELSTEIN, Secretary-Treasurer
(Coastal States Ins . Co., Atlanta, Ga. 30343)
BALTIMORE ACTUARIES CLUBRALPH E. EDWARDS , Secretary
(Baltimore Life Ins. Co., Baltimore , Md. 21201)
ACTUARIES CLUB OF BOSTONRotating ChairmanEDWIN H. TEBBETTs, Secretary-Treasurer
(New England Mutual Life Ins . Co., Boston, Mass. 02117)
CENTRAL ILLINOIS ACTUARIAL CLUBJOHN W . MCKEE , PresidentBRUCE J . CROZIER, Secretary-Treasurer
(Franklin Life Ins . Co., Springfield , Ill, 62713)
CHICAGO ACTUARIAL CLUBWILLIS W. BURGESS , PresidentRICHARD J. BILISOLY, Secretary -Treasurer
(The Wyatt Co., Chicago, III. 60603)
COLUMBUS ACTUARIAL CLUBJAMES A . HUGHES, PresidentNORA S . MOUSHEY , Secretary-Treasurer
(Columbus Mutual Life Ins . Co, Columbus, Ohio 43215)
DENVER ACTUARIAL CLUBGARY E. DAHLMAN, PresidentSHIRLEY A . KNARR , Secretary -Treasurer
(Milliman & Robertson , Inc., Denver, Colo. 80202)
ACTUARIES CLUB OF DES MOINESSTEPHEN L . RECK, PresidentBRIAN J . FORTIER , Secretary
(Guardsmen Life Ins. Co., West Des Moines, Iowa 50265)
These clubs , of a local and regional character , have no official connection with theAmerican Academy of Actuaries but supplement many of its activities .
196
Actuarial Clubs 197
ACTUARIES CLUB OF HARTFORDRAY M. PERISHO, PresidentJ. ROBERT RANKINS, Secretary
(Massachusetts Mutual Life Ins Co ., Springfield, Mass. 01111)
ACTUARIES CLUB OF INDIANA, KENTUCKY, AND OHIO(TRI-STATE )
CHARLES R. KEENE , PresidentJEANNE M. HOOSHAGEN, Secretary-Treasurer
(Mutual Benefit/Bash Financial Services Corp ., Indianapolis, Ind .46204)
ACTUARIAL CLUB OF INDIANAPOLISARTHUR L. BRYANT, PresidentJEANNE M. HoosHAGEN, Secretary-Treasurer
(Mutual Benefit/Bash Financial Services Corp ., Indianapolis, Ind .46204)
KANSAS CITY ACTUARIES CLUBWARREN A. FIELD, PresidentMICHAEL R. WINN, Secretary-Treasurer
(Business Men's Assurance Co ., Kansas City, Mo. 64141)
LITTLE ROCK ACTUARIAL CLUBJOHN B. YANKO, PresidentTHOMAS FIDDLER, Secretary-Treasurer
(First Pyramid Life Ins . Co., Little Rock, Ark . 72203)
LONDON ACTUARIAL CLUBJ. CLUNAS McKIBBON, ChairwomanWILLIAM L. CUTHBERT, Secretary-Treasurerc/o W L D. CUTHBERT, Assistant Actuary
(London Life Ins . Co., London, Ontario NGA 4K1)
LOS ANGELES ACTUARIAL CLUBDAPHNE D. BARTLETT, PresidentLAWRENCE MITCHELL, Secretary
(Mitchell & Kadoyama, Inc, North Hollywood, Cal, 91606)
MICHIGAN ACTUARIAL SOCIETYJOHN J. SCHONENBERG, JR ., PresidentRAYMOND NACIN, Secretary
(Maccabees Mutual Life Ins. Co, Southfield, Mich. 48075)
MIDDLE ATLANTIC ACTUARIAL CLUBALAN GOLDBERG, PresidentDOUGLAS R PENICK, Secretary-Treasurer
(Monumental Life Ins . Co., Baltimore, Md. 21202)
198 Actuarial Clubs
MIDWESTERN ACTUARIAL FORUMEARL F. PETZ, PresidentREx C. DAvis, Secretary-Treasurer
(Allstate Ins . Co., Northbrook, Ill . 60062)
ACTUARIES CLUB OF MONTREALFRANCOIS VACHON, PresidentLouis GOSSELIN, Secretary
(Les Prevoyants du Canada, Sherbrooke, Montreal, Quebec H2LI K7)
NASHVILLE ACTUARIAL CLUBCARL E. MEIER, PresidentJAMES M. MCCREADY, Secretary-Treasurer
(National Life-Accident Ins . Co ., Nashville, Tenn. 37250)
NEBRASKA ACTUARIES CLUBROBERT B. SHAPLAND, PresidentRICHARD L. FILES, Secretary-Treasurer
(Lincoln Liberty Life Ins . Co, Lincoln, Nebr . 68501)
CASUALTY ACTUARIES OF NEW ENGLANDROBERT W. STURGIS, PresidentDOUGLAS S. HASELTINE, Secretary-Treasurer
(Peat, Marwick, Mitchell & Co., New York, N .Y. 10022)
ACTUARIES CLUB OF NEW YORKJOHN C. WOODDY, President
MICHAEL R. GREENSTEIN, Secretary
(Metropolitan Life Ins. Co., New York, N.Y. 10010)
CASUALTY ACTUARIES OF NEW YORKDAVID G. HARTMAN, PresidentC. K. KHURY, Secretary-Treasurer
(Prudential Property & Casualty Ins . Co., Woodbridge, N .J. 07095)
ACTUARIAL CLUB OF THE PACIFIC STATESCLEMENT B. PENROSE, PresidentFREDERICK C. MORROW, Secretary-Treasurer
(Occidental Life Ins. Co., Los Angeles, Cal . 90051)
ACTUARIES CLUB OF PHILADELPHIAROBERT A. LUNBECK, PresidentNORMAN V. GORDON, Secretary-Treasurer
(Insurance Co. of North America, Philadelphia, Pa . 19101)
CASUALTY ACTUARIES OF PHILADELPHIAJAMES A. FABER, PresidentJOHN A. W. TRIST, Secretary-Treasurer
(Insurance Co. of North America, Philadelphia, Pa . 19101)
Actuarial Clubs 199
PITTSBURGH ACTUARIAL CLUBROBERT J. SCHULER , PresidentETHAN STROH , Secretary -Treasurer
(George B. Buck Consulting Actuaries , Inc., Pittsburgh, Pa. 15219)
PORTLAND ACTUARIAL CLUBWAYNE ROBERTS, PresidentLOYD HOPPER, Secretary
(Standard Ins. Co., Portland, Ore. 97207)
LE CLUB DES ACTUAIRES DE QUEBECPAUL MERCURE, PresidentCLAUDE SAVARD, Secretary
(L'Assurance Vie Desjardins, Leis, Quebec)
ST. LOUIS ACTUARIES CLUBRONALD M. WOLF, ChairmanLouis G. PRANGE, Secretary-Treasurer(W. Alfred Hayes & Co., St. Louis, Mo. 63139)
SAN FRANCISCO ACTUARIAL CLUBRoss C. GORDON , PresidentBETTY BERNI , Secretary -Treasurer
(The Wyatt Co., San Francisco , Calif. 94111)
SEATTLE ACTUARIAL CLUB
JAMES H. RIGGS, President
CHARLES DEAN, Secretary
(Milliman & Robertson, Inc., Seattle , Wash. 98104)
SOUTH FLORIDA ACTUARIAL CLUBLARRY H . WEITZNER , President
(The Wyatt Co., Miami, Fla. 33143)
SOUTHEASTERN ACTUARIES CLUBLUCIAN F. BLOODWORTH, PresidentSHERRILL G. HALL, Secretary-Treasurer
(Jefferson Standard Life Ins . Co., Greensboro, N .C. 27420)
SOUTHERN CALIFORNIA CASUALTY ACTUARIES CLUBJAMES F. BRANNIGAN, PresidentROBERT J . LINDQUIST , secretary -Treasurer
(Transamerica Ins Group , Los Angeles , Calif, 90054)
200 Actuarial Clubs
ACTUARIES CLUB OF THE SOUTHWESTRONALD K. CURLEE, PresidentJAMES R. DuPuy, Secretary-Treasurer
(Southwestern Life Ins. Co., Dallas, Texas 75221)
ACTUARIES CLUB OF TORONTORONALD L. W. TILL, President
F. EUGENE SMITH , Secretary(North America Life Assurance Co., Toronto, Ontario M5H IR1)
TRIANGLE ACTUARIES CLUBJAMES C. HARRISON, PresidentRONALD F . SIMS, Secretary
(Blue Cross-Blue Shield, Durham, N.C. 27707)
TWIN CITIES ACTUARIAL CLUBORLEN E . LUNDE, ChairmanGERALD T . WALKER , Secretary -Treasurer
(Western Life Ins. Co ., St . Paul, Minn . 55102)
WATERLOO ACTUARIES CLUBJEFFREY W. SHADDICK , Secretary
(Equitable Life Ins . Co., Waterloo, Ontario N2 J, 4C7)
ACTUARIES CLUB OF WINNIPEGMURRAY R. MCKNIGHT, ChairmanDAVID H. SHANTZ, Secretary-Treasurer
(Great-West Life Assur Co, Winnipeg, Manitoba R3C 3A5)
WINSTON-SALEM ACTUARIAL CLUBCHARLES M. BEARDSLEY, Executive Director
(Booke & Co ., Winston-Salem , N.C 27102)
WISCONSIN ACTUARIES CLUBWILLIAM M. SNELL , PresidentROBERT E. PUNG, Secretary-Treasurer
(Wisconsin National Life Ins . Co., Oshkosh, Wis 54901)
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