Description: This paper is a theoretical examination of the structure of the property-casualty insurance industry using economic theory to compare companies with agency distribution versus direct distribution. The purpose of the paper is to justify the existence of both types of distribution systems in equilibrium.

Description: On March 6, 2023, The Wall Street Journal hosted its Health Forum, a hybrid all-day event. The virtual meeting featured 11 different events. This white paper focuses on those events. The sessions were informative and fast-paced, with each one providing a quick hit of relevant and cutting-edge information around health care.

Description: This session discussion is about the new niches in direct response marketing such as new products, database marketing and relationship marketing. From Record of the Society of Actuaries Vol. 15, No. 2.

Description: Review of non public options to finance care including personal savings, revers mortgages, family care and private insurance.

Description: This article is about the relationship of brand advertising to direct marketing and how to bridge the gap.

Description: Prior to the global pandemic, investment in new health technologies had already reached an all-time high. As the world begins to emerge from COVID-19, what new technologies will next take root in the health care system and how will those affect medical costs? This session will review recent research from the SOA Health Section on how new technologies are spread and adopted. Particular focus will be given to emerging modes of consumer engagement and highly-focused gene and cell therapies that are breaking new ground in combating rare diseases. (We plan on focusing on 2 technologies like Consumerism or Telehealth & Gene & Cell Therapy depending on availability of speakers or if there are other sessions in this virtual meeting covering the same topic)

Description: The purpose of this document is to inform the user of the 2022 Health Care Cost Model about the sources of data, other reports, and assumptions which were used to populate this report and drive some of the key considerations.

Description: Representatives of various health care professions will address issues such as falling hospital occupancy rates and a growing shortage of primary care physicians. The presenters will then discuss the short-term and long-term effects of these issues on the health care delivery systems on North America. From the Record of the Society of Actuaries, Vol. 21, No. 3b.

Description: This article describes Singapore's Central Provident Fund and how it involves government, employers and employees in a cooperative partnership for mandatory savings and investment to assist with the primary lifetime goals of home ownership, medical care and retirement provision.

Description: The purpose of this document is to inform the user of the 2021 Health Care Cost Model about the sources of data, other reports, and assumptions which were used to populate this report and drive some of the key considerations.