Description: The main purpose of “excess reinsurance” was to enable the direct writer to retain as much face amount as it could justify and merely cede the amounts which it felt was excessive relative to its surplus, earnings or other financial criteria.

Description: The author points out how being an enterprise risk manager can give an actuary a broader view of the direct marketing business. The actuary should not just be managing marketing risk, but many other risks of the business.

Description: Product complexity, the services provided by distributors, their method of obtaining clients, and their relationship to insurers all affect the characteristics of in force membership.

Description: A personal reflection and anecdote on a quote by Carl Jung. "Until you make the unconscious conscious, it will direct your life and you will call it fate."

Description: This session at the SOA 1998 Maui I Spring Meeting looks at the increasing competition in the marketing of term insurance from the viewpoint of a direct writer and a reinsurer.

Description: This article is a short summary of an essay on using microeconomics and Embedded Value concepts in evaluating direct marketing programs.

Description: This article discusses agent-driven direct mail marketing, the economics of this approach, and how to obtain agent buy-in.

Description: Realizing the impact of medical errors on the U.S. health care system, the Health Section commissioned a research project to measure the annual frequency of medical errors and their total measurable direct and indirect cost to the economy.

Description: A basic principle of marketing suggests that using the preferred medium a consumer knows and trusts will have a direct impact on the way they make purchases and how one could—and should—sell to and interact with them.

Description: It is well accepted that, for ages 30 and above, human mortality rates increase with age, yet no established graduation method makes direct use of this knowledge. Such a method is offered in this paper.