Description: This presentation is a panel discussion from the 1991 Annual Meeting of the Society of Actuaries, held October 20-23 in Toronto. The panelists discuss strategies employed in Canada and the United States to restructure life insurance costs. They discuss levelized commissions and commission financing, joint ventures and reinsurance, ‘sale’ of strain and loads, statutory liability review, and the effect of tax law changes, including the ‘DAC tax.’ Discussion from participants is included. From the Record of Society of Actuaries, Volume 17, No. 4B.

Description: Record of the Society of Actuaries: 1981 Vol.7 No. 1 This is a panel discussion session examining life insurance company organization and the emerging managerial environment, strategies and organization.

Description: This session from the 2003 SOA Orlando Meeting looks at the behind-the-scenes costs that are often missed when designing newer, more complex products. From The Society of Actuaries Record, Volume 29, No. 3.

Description: This 1981 session focused on Life and Casualty Company Organization for the 1980's. Topics included: 1. The Emerging Managerial Environment 2. Emerging Strategies - What new strategies are called for, and how will goals change with respect Co: a. Profit? b. Surplus levels? c. Growth? 3. Emerging Organization - How should companies organize for the future? From Record of Society of Actuaries, Vol. 7, No. 3.

Description: 1993 SOA Spring Meeting, Boston. This session discussed the concepts of expense allocation, determination of product costs, overhead expenses, the product-cost system, variable versus fixed expenses, and pricing on a marginal basis.

Description: Session focuses on how agency performance is measured in different types of agency organizations, concentrating on many listed issues.

Description: Conceptual discussion of the financial crisis in our life insurance distribution systems including the cost of developing an agent, the retention of the agent and production/productivity of the agent and agent compensation issues

Description: Presented at May 2002 Spring Meeting. Discusses industry trends in agent compensation with the intent of retaining and attracting the better performing agents and aligning incentives with desired behaviors, while placing the insurer in an acceptable financial position.

Description: From a session at the Spring meeting of the Society of Actuaries held in San Antonio, Texas, June 14-15, 2004 A brief review of how the 1995-2000 individual life mortality experience study and 2002 individual life and annuity expense study were developed, followed by key observations, interpretations and emerging trends.

Description: Panelists address expense assumptions for a new company, and also for an existing company in changing situations such as a new product line, new distribution system, or new market. From the 1988 Record of Society of Actuaries, Vol. 14, No. 4A.