Description: This article explains Search Engine Marketing SEM and how it can be a key part of an effective direct marketing strategy.

Description: Read the Quo Vadis Reinsurance.

Description: Building on our previous newsletter article (“Who Sells and Distributes”), we continue here in our attempt to define and clarify sales and distribution terms that may be confusing or misunderstood. In this article, we focus on seller and distributor compensation, which includes payments to customer-facing sales experts and separate allowances for the entities supporting those experts

Description: Now that small television screens are available on gas pumps, this article explores whether this is a good advertising medium for insurance.

Description: This session discussion is about New York state compensation issues: Agent owned captives, Persistency bonuses, Asset based compensation, Regulation 49 issues, Section 4228 issues. From Record of the Society of Actuaries Vol. 15, No. 3A.

Description: The presenters focus on traditional and non-traditional techniques for setting IBNR and assume some experience on the topic. Take in a brief overview of the basic development of IBNRs for financial reporting. Then explore general considerations and various methods used to estimate claim costs, plus understand variability in IBNR projections as well as challenges that arise in certain situations. There will be opportunities for the audience to share ideas and considerations based on past experiences.

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: This 1977 panel discussion focused on cost disclosure in individual life insurance. Areas covered included: 1. Status of NAIC model disclosure bill 2. Questions related to comparisons of costs and value of dissimilar policies 3. Characteristics of a good disclosure in a replacement situation 4. Developments in the use of the retention method

Description: This is a discussion on marketing systems. It discusses how the basic job of an agent differs among organization. It also highlights different types of agents, such as career, PPGA, Broker and Direct Mail. And it discusses many aspects of productivity. From Record of Society of Actuaries, Vol. 5, No. 1.

Description: Panel discusses several approaches to life and annuity product distribution in the U.S., and looks at the life insurance industry in four other countries. From the 1997 Record of Society of Actuaries, Vol. 23, No. 3.