Description: Presented at the April 1985 Spring Meeting. More agents are becoming independent. Discussion covers how to support and do more for them, and their impact on product design.

Description: The NAIC's 'Life Insurance Illustrations Model Regulation,' which goes into effect on January 1, 1997, is largely a response to the perceived misrepresentations in life insurance illustrations, of which vanishing premiums is a notorious example. From an actuarial perspective, this state of affairs presents an interesting challenge. Rather than disallowing illustrations of risky contracts, why not develop an illustration for potential policyholders which adequately conveys the essence of these contracts and their probabilistic nature. The purpose of this paper is to discuss some preliminary observations related to the development of such illustrations.

Description: This report helps to identify key socioeconomic trends influencing the need and demand for the industry's products and services, and how these trends will influence marketing methods.

Description: Response to Life Insurance 2020 Foresight – A Call for Essays. An essay stating the author’s vision for the future of the life insurance sector.