Description: This article discusses ideas for a long-term Customer Value Program.

Description: This article discusses the benefits of strategic alliances between companies in the insurance and financial services industry to improve product offerings and distribution options.

Description: This article describes the benefits of Interactive Voice Messaging IVM as part of a marketing program and how it can create a measurable impact on sales results.

Description: Chairperson’s column discussing the Marketing and Distribution Section initiatives.

Description: Enhanced or impaired annuities are life annuities underwritten to reflect annuitants' actual mortality. They are not currently prevalent in the U.S. or Canada, where life annuities assume low mortality and are thus unfair for impaired lives. This paper looks at the present annuity marketplace in the United States and Canada. It also reviews the underwriting and marketing of life annuities in the United Kingdom where “enhanced” life annuities are available for a broader cross section of the marketplace. It also reviews the use of P&C risk classification techniques and how they might apply to the annuity marketplace as well as potential legal constraints on broader risk classification for life annuities.

Description: This discussion reviewed: A. Measures used by smaller companies to deal with below average policy persistency rates, B. The extent to which smaller companies issue policies with little to no retention for their own accounts, C. The extent to which new lines of insurance, such as accident and sickness, and changing distribution of business by line, plan, or age, have caused reconsideration of qualification bases for agency convention and honor awards.

Description: This keynote address at the SOA 1990 San Francisco Spring Meeting looks at trends in sales, products, services and distribution for the life insurance industry.

Description: This session at the SOA 1990 San Francisco Spring Meeting discusses issues in designing a field compensation structure including practical considerations, optimizing effectiviness and dealing with New York expense limitations.

Description: 1993 SOA Spring Meeting, San Diego. This session was about the Latin-American insurance market. Topics included: 1. Size, growth, regulations, products, distribution, marketing. 2. Market entry, business strategies, cultural issues, local staffing. 3. Level of activity for U.S. companies.

Description: From a session at the Spring regional meeting of the Society of Actuaries held in Atlanta, Georgia, May 24-25, 1999 Panelists address a range of issues related to product development in life insurance companies.