Description: This article discusses the changes in the marketing and distribution of lindividual life and annuity products. It highlights new distribution channels including banks, broker dealers, wirehouses and the Internet as well as fee-for-service financial planning.

Description: This is a graph from an article in The Actuary Magazine entitlled A Strategic Analysis of the U.S. Life Insurance Industry Part II: Products.

Description: The article summarizes results of a Milliman survey per the title. These products comprise about 40% of the total individual life market, and the survey covers a range of topics on these plans, which should be of interest to a large portion of the life industry.

Description: The article summarizes the results of the 2022 U.S. and Canadian Life Reinsurance Survey, for both Individual Life and Group Life business, conducted by the Reinsurance Section of the Society of Actuaries.

Description: This articles looks at how life insurance companies can profitably address the middle market.

Description: The purpose of the article is to discuss the benefits of small policy purchases by seniors, describe the market and distribution for these small face amounts of life insurance, and demonstrate the dimensions of the market.

Description: This article is a review of the book, Insurance Coverage for All...And How Insurers Can Afford To Provide It, by Maria Thomson. The book focuses on the lack of penetration by life insurance companies into the middle market noting the issues and providing suggested solutions.

Description: Presenting the customer a measurable value of life insurance that makes the advice process transparent to both the customer and adviser.

Description: This article presents an overview of the history and issues associated with penetrating the middle market for individual life insurance. Underwriting and marketing approaches are suggested. The potential role of the reinsurer is explored.

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.