Description: Summary of the upcoming activities for the Smaller Insurance Company Section in 2016.

Description: This is an article adapted from LIMRA's 'Is There Magic in the Middle Market'? - a survey exploring the financial security needs of the middle market and the need and role of life insurance in meeting those needs.

Description: Editorial regarding the diverse forces affecting the life insurance industry.

Description: The Long-Term Care Insurance market is evolving. Parallels can be drawn between the current product cycle of standalone LTCI and past experiences of other insurance products. Over the last decade, the LTCI market has shifted to include a greater presence of non-standalone LTC insurance. Individual LTCI sales have been on the decline, while life-LTCI combination products have been on the rise. Because of this, many perceive that the life-combination products are taking over the LTCI market and replacing standalone LTC insurance. While life-combination products meet the LTC needs for policyholders, they may not be a good fit for all consumers in this market.

Description: A review of the last 50 years, concluding that the insurance industry in Canada has been slow to react to consumers' shift in focus from long-term security to rate of return.

Description: Article Disparate Origins Of Life And Non-Life Insurances by Beard in The Actuary, February 1979, Volume 13, Number 2

Description: This article describes how actuaries can get involved in section research including participation on a Project Oversight Group (POG).

Description: This article examines potential impacts of old age mortality and how it affects maturity extension riders for universal life.

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: As we further explore how life insurance customers think and behave, we can address their needs more effectively. Using data and predictive analytics we can better identify groups to target. By embracing technology and approaching customers with the right distribution channels based on preference, we can make life insurance more accessible. We can speak the customers' language. We can understand that they are not all created equal, and tailor products to meet individual needs. In short, we can leverage data, research and technology to become very consumer centric. Getting closer to the customer, can we lower the perceived cost, and raise the perceived benefit of life insurance to a point where customers get excited? Will this not then be a product to buy, not sell?