1976 Year Book - American Academy of Actuaries Year Book PG~DEm y ~~ U C Y 1965 ... Ohio Oklahoma...

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


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,


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 .

130 Bylaws

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

Bylaws 131

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 .

132 Bylaws

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

Bylaws 137

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 .


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


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 .


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.


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


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


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


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 .


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 .


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


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 .


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


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


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


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,


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 .


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-


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)


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,


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


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.


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 :


"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 .


$ 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 .


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-


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


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.


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 .


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


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 .


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)


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 .


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


Since the reserve computation has assumed that the premium hasbeen paid continuously, the valuation premiums corresponding to


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 .


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


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 .)


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 .)


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 .


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


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


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


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


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


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)

PUBLICATIONS OF ACADEMY

Publications may be obtained from the Office of the Academy, 208 South La SalleStreet , Chicago, Illinois 60604, U S A Prices are in U .S . dollars and include postage inthe United States and Canada . Remittance must accompany order .

YEAR BOOK. $10.00 .

LIST OF MEMBERS BY BUSINESS CONNECTION, $5.00.

NEWSLETTER. No charge.

1976 Year Book - American Academy of Actuaries Year Book PG~DEm y ~~ U C Y 1965 ... Ohio Oklahoma...

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Transcript of 1976 Year Book - American Academy of Actuaries Year Book PG~DEm y ~~ U C Y 1965 ... Ohio Oklahoma...