Abstract: The present disclosure describes determining a premium for a life insurance policy. One or more methods and systems include combining a determination of a mortality risk with a determination of a future lapse risk for an individual to yield the premium for the life insurance policy.

Abstract: A debarking drum has a cylindrical steel shell mounted for rotation about the drum axis. The drum receives logs fed into one end and is rotated such that the tumbling action of the logs against one another within the drum causes the bark to be removed, and the debarked logs to be discharged at an outlet end of the drum. The cylindrical shell of the drum is penetrated by a multiplicity of slots at least some of which are larger than normal having a minimum width of 3½ inches, preferably 6 inches, and a length of about one to two feet. The slots are arrayed circumferentially about the drum and axially along the length of the drum. Each of the larger slots has a cover which is mounted to the exterior of the drum and is spaced to form a minimum gap between the exterior surface of the drum and the cover of two inches.