Description: This article describes the increasing problems in the product filing and forms approval process under state regulation. It also describes the conclusions and product filing uniformity vision that includes the formation of CARFRA which stands for Coordinated Advertising, Rate and Form Review Authority.

Description: This article discusses the history of the small life insurance policies in light of the current NAIC investigation into the treatment of small face value life insurance policies.

Description: A discussion of adjustments to the issue and underwriting process to speed up the process in order to succeed with bank distribution of insurance products.

Description: Provides a review of the available lapse experience for lapse-supported Life and Long-Term Care products.

Description: Product concepts that are born in one country often find their way to the other. This article discusses which products are the hot products in the United States and Canada, and what we can expect for future sales for these products.

Description: A high-level overview of the recent release of the update to the illustration practice notes, or IPNs.

Description: Discusses the influence of market-consistent pricing proponents.

Description: Chairperson’s column likening product development to campaigning.

Description: Discusses the events of the inaugural Life and Annuity Symposium held May 17 and 18, 2010.

Description: Compares how other industries (in this case, Fast Food) researches and tests new products. Provides examples of how the insurance industry can efficiently research and test new product concepts before going to market.