Description: The world around us keeps changing F.A.S.T. propelling life insurance companies to respond with F.R.E.S.H. product solutions.

Description: International case study discussing life insurance in Ghana.

Description: Letter from the Chair of the Product Development Council. Challenging times bring opportunities. Today's low interest environment is a rallying cry for our industry to transform our products and the way we do business

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?

Description: The 1990s saw the rise of many types of variable investment products within the life insurance industry. It was only natural that hedging strategies and products would emerge in response to the inherent risk of loss of value in variable life and annuity products. This article explains a 21st-century twist on the concept for annuities, the Enhanced Earnings Death Benefit EEDB Rider.

Description: In this article, the author discusses discuss the use of the Cox Proportional Hazards Model in developing a predictive underwriting model that produces a mortality multiplier for each individual.

Description: This article addresses the issues of short-term volatility, the non-equivalency of traders and, how product development is being impacted by market consistency.