Description: This is the first article in a four-part series. In this series of articles, analysis of the U.S. life insurance industry's customers, products, distribution system and regulatory and tax environment will be given. This first part of the series focuses on the customer and the changing product mix of the life insurance industry.

Description: Behavioral science reveals that consumers tend to assess risk emotionally, through perceptions rather than calculations. So, will COVID-19 change risk perceptions in the long term -- and similarly increase life insurance sales? Insurers should take nothing for granted

Description: The article is Part 1 of two articles that provide a case study for the development of a profitability and risk dashboard. The sample dashboard provides distilled information regarding actual to expected (A/E) ratios for key risks, agent quality scores and customer value scores. The dashboard would also provide the value of new business written, surplus strain, debit balances, and expected losses on debit balances at different levels, down to the agent level. A product mix index is provided, together with visual comparisons of key metrics to the company's business plan. The Part 2 article will add information to the dashboard regarding risk margins, target capital, and company value.

Description: Task Force report on life insurance company sales illustration practices from the perspective of the consumer. The study analyzes how well current illustration practices serve their primary functions of: 1. showing the consumer their policy values and premium payments over time, and 2. projecting best estimates of future performance and providing cost and performance comparisons with other policies.

Description: This article discusses new tools to underwrite faster, cheaper and better in order to be more profitable and also market to the middle market.

Description: This is an article about baby boomers and marketing communication. From News Direct, May 2006, Number 53.

Description: Presented at the April 1985 Spring Meeting. More agents are becoming independent. Discussion covers how to support and do more for them, and their impact on product design.

Description: This session at the SOA 1998 Maui I Spring Meeting is about the rapid expansion of the internet, how to set up a web page, how insurance companies and actuaries are using the internet for marketing, and how the public makes use of the internet.

Description: Several key market trends have encouraged the development and launch of direct to consumer business models over the last few years. The presenters will look at the impact this is having on traditional business models and the potential it has to open up growth paths to target markets. They will cover several new entrants coming to market aiming to solve specific industry gaps and/or create new opportunities in distribution, risk assessment, customer engagement and the consumer buying experience.

Description: At least 60 percent of households are now on the Do Not Call list, the level of telemarketing is down, but it still remains an effective marketing channel for insurance companies.