Description: This session discussion is about New York state compensation issues: Agent owned captives, Persistency bonuses, Asset based compensation, Regulation 49 issues, Section 4228 issues. From Record of the Society of Actuaries Vol. 15, No. 3A.

Description: This 1977 panel discussion focused on cost disclosure in individual life insurance. Areas covered included: 1. Status of NAIC model disclosure bill 2. Questions related to comparisons of costs and value of dissimilar policies 3. Characteristics of a good disclosure in a replacement situation 4. Developments in the use of the retention method

Description: Several key market trends have encouraged the development and launch of direct to consumer business models over the last few years. The presenters will look at the impact this is having on traditional business models and the potential it has to open up growth paths to target markets. They will cover several new entrants coming to market aiming to solve specific industry gaps and/or create new opportunities in distribution, risk assessment, customer engagement and the consumer buying experience.

Description: The presenters focus on traditional and non-traditional techniques for setting IBNR and assume some experience on the topic. Take in a brief overview of the basic development of IBNRs for financial reporting. Then explore general considerations and various methods used to estimate claim costs, plus understand variability in IBNR projections as well as challenges that arise in certain situations. There will be opportunities for the audience to share ideas and considerations based on past experiences.

Description: Discusses applying modern marketing tools used in other industries to the design, pricing, sale, and promotion of life insurance products. From the 1987 Record of Society of Actuaries, Vol. 13, No. 2.

Description: Discusses sources of traditional agent issues, trends in employer-sponsored sales, successes with financial institutions, and developments in direct-response marketing. From the 1987 Record of Society of Actuaries, Vol. 13, No. 2.

Description: In session 72OF of the Montreal Spring Meeting panelists discuss alternatives that companies are considering in the compensation area, including levelized commissions. From the Record of the Society of Actuaries, Vol. 23, No. 2.

Description: This session from the 1983 SOA Spring Meeting discusses the adoption and implementation of a segmentation and market specialization strategy. Two examples of strategy for the Individual and Group lines of business are reviewed. From Record of Society of Actuaries Vol. 9, No. 1

Description: This presentation is a panel discussion, session 66PD, from the 2004 Spring Meeting of the Society of Actuaries, held June 14-15 in San Antonio, TX. Noting that life insurance and annuity products in general have grown much more complex [e.g. universal life with secondary guarantees], the panelists discuss the product development process and the resources you can use to get the product to market quickly. They discuss topics including the product development cycle, reinsurance assistance, and filing with state insurance departments and the Securities and Exchange Commission [SEC]. Discussion from participants is included. From the Record of Society of Actuaries, Volume 30, No. 2.

Description: This session at the SOA 1990 San Francisco Regional Meeting focuses on sales illustrations for life insurance policies with nonguaranteed elements. Historical development, current regulations and ideas for future improvement in consumer provided information on these products are discussed.