Journal of the Institute of Actuaries: Volume 33 -

On Governmental Regulation of Life Insurance in the United States of America
Sheppard Homans
Published online by Cambridge University Press:

18 August 2016, pp. 320-344
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As the members of the Institute are doubtless aware, government in the United States differs in at least one important particular from that in Great Britain. In the former country all legislation must conform to the requirements of a written Constitution, and such conformity or non-conformity is decided in each case as it arises, without appeal, by a Supreme Court. In the latter country, on the contrary, the validity or otherwise of any Act of Parliament is decided by unwritten traditions and evolutions developed by the growth and experience of centuries. It is not my object or province to discuss the relative advantages and disadvantages of the two systems; I merely state the fact which must be clearly kept in view in order to understand the unique position of life insurance in the United States as regards governmental intervention.

On a method of approximately calculating Net Premiums for Endowment Assurances on Two Joint Lives
George J. Lidstone
Published online by Cambridge University Press:

18 August 2016, pp. 354-356
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British Actuarial Journal