Description: This article is about the concept of the Sentinel Effect SE—that selfselection process which directs unhealthy insurance applicants to apply for coverage at amounts where testing is not done, thereby minimizing the chances that their afflictions will be discovered.

Description: Chairperson description of current MaD section activity and upcoming webcasts and other emerging section content

Description: This article discusses various ways that insurance companies are using the internet to market their products.

Description: This article looks at the public's difficulty in recognizing what they need to achieve financial security and how the insurance industry's products fulfill those needs.

Description: This article discusses change initiatives and how companies and executives need to take a proactive approach to manage the change in order to assure success.

Description: This article gives a comprehensive overview of how a bank can establish a broader financial services program. Areas reviewed included the types of insurance products, the people, training and compensation, and the management structures.

Description: The author points out how being an enterprise risk manager can give an actuary a broader view of the direct marketing business. The actuary should not just be managing marketing risk, but many other risks of the business.

Description: This article discusses the results of a LIMRA survey about the use of the internet by life insurance and annuity consumers.

Description: Chairperson's Corner from News Direct, May 2005, Issue No. 50.

Description: This article by Carlos Arocha explores the protection gap throughout Latin America for coverage against natural catastrophic events. As climate change has increased both the frequency and severity of these events, coverage gaps have weighed on both household and public sector economics. In the article, Carlos highlights different methods for evaluating the size of this protection gap, and discusses a number of different ideas for closing this gap, through private sector initiatives, public sector changes, or private-public partnerships.