Description: This column highlights the articles contained in the December 2009 issue of The Independent Consultant.

Description: This is an article about J. Bradley Murray, of Smart Tech Actuarial Consultants STAC, who provides actuarial and technology services to both the insurance companies who are actuaries' traditional marketplace, and to other kinds of businesses with non-traditional needs.

Description: Artlicle discusses the consequence of Overwhelm and how to overcome it.

Description: This article discusses how employers and employees often misunderstand the types of coverage they own, and argues that customizing insurance solutions can be a pragmatic solution. The authors note that typically an employer will provide a basic group insurance plan for all employees, and then discuss the advantages of customizing voluntary benefits to supplement core benefits, and how they can be targeted to specific groups.

Description: In this article the author provides guidance to owners of their own actuarial consulting firms, with respect to addressing issues around succession, control and ownership, and planning for retirement.

Description: This article is part 2 on common features and limits of professional liability policies. Part 1 appeared in October, and part of a larger series on the topic of PL coverage in general.