Description: Discusses possibilities for meeting consumer needs for life insurance in the future, given the shrinkage in agents selling life insurance coupled with increasing demand for advice.

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: This article introduces The Product/Channel Directory, which provides the combination of products offered and distribution channels for over 200 companies.

Description: This is the second installment of an article about using microeconomics and the concepts of embedded value to better manage and understand the profitability of direct marketing programs.

Description: This article summarizes two sessions sponsored by the Nontraditional Marketing Section at a recent SOA meeting held in Washington, D.C. One session was about debt cancellation insurance and the other was about voluntary benefit plans.

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

Description: NewsDirect article that discusses the benefits of automating the underwriting process. Underwriting speed, the east of case submission and sales support stand out as the most important factors.

Description: In the face of declining response rates from direct mail campaigns, the author suggests use of the internet to generate leads will be much more efficient and successful.

Description: This article is based on a presentation made by Jim Campbell at the Annual Conference of the Professional Insurance Marketing AssociationPIMAon banks in todays insurance distribution landscape. From News Direct, September 2005, Issue No. 51.