Description: Discussion of the attitudes of consumers and consumerists regarding the life insurance industry and its products and a discussion of opportunities for improvement Topics include: 1. Disclosure to existing policyholders 2. Policy loan problems, including the policy replacement problem 3. dividend determination practices and 4. deceptive sales practices in the llfe insurance business.

Description: Article from The Actuary, February 1986 – Volume No. 20, Issue No. 2 talks about as deregulation has lurched forward, banks and thrifts as well as insurance agencies and marketing organizations have been examining the viability of joint ventures involving the sale of insurance through depository institutions.

Description: This concurrent session took place at the 1975 Society of Actuaries Spring Meeting in New York, held in April. The presenters addressed various aspects of agency compensation and consumerism including the objectives of a compensation system, the services performed by the agent, how consumers view agent compensation, how the commission structure affects an agent’s advice, the impact of inflation on agents’ earnings, possible improvements to agent compensation, and regulation of “fair value” of insurance.

Description: These discussions at the 1967 New York and New Orleans Regional Meetings covered topics related to individual life and health insurance including health topics, individual life underwriting, reinsurance, individual policy pension fund expenses, tax sheltered annuities, and market testing products.

Description: This panel discussion takes an in depth look at SOA and Academy committee proposals on actuarial principles and practices with respect to setting dividends for participating insurance. Discussion centered on equity in distributing surplus and appropriate methods and assumptions.

Description: This session from the 1983 SOA Vancouver Meeting covers Term Insurance including mortality and persistency experience and the impact of lapsation on profitability, mortality assumptions specifically with regard to smoker/non-smoker and reinsurance. Record of Society of Actuaries Vol. 9, No. 3

Description: Presented at October 1986 Annual Meeting. This session discusses new forms of compensation that are being utilized, the impact on product design, and the impact on company profitability.

Description: This session at the SOA 1962 Jacksonville and Chicago Regional Meetings discussed agent compensation issues with a focus on financing arrangements and agent turnover.

Description: Panelists, along with significant audience participation, discuss the proposed changes in tax law for life insurance [which became Section 7702A], company reactions [especially regarding in-force-dividend policy] to the dropping new-money yield rates available, the nascent long-term-care-insurance [LTCI] and accelerated death benefit [ADB] coverages, group universal life products [GULPs], leveraged corporate-owned life insurance [COLI], and the impact of the recent stock-market dip on variable universal life [VUL] sales. From the 1988 Record of Society of Actuaries, Vol. 14, No. 2.

Description: The following topics were discussed at concurrent sessions: 1. The Actuary's responsibilities- pensions, 2. Policy loan problems, 3. New forms of group insurance, and 4. Corporate financial management of mutual life insurance companies. From Transactions of Society of Actuaries, 1974 Vol. 26, Pt. 2D, No. 75AB.