Description: The Long-Term Care Insurance market is evolving. Parallels can be drawn between the current product cycle of standalone LTCI and past experiences of other insurance products. Over the last decade, the LTCI market has shifted to include a greater presence of non-standalone LTC insurance. Individual LTCI sales have been on the decline, while life-LTCI combination products have been on the rise. Because of this, many perceive that the life-combination products are taking over the LTCI market and replacing standalone LTC insurance. While life-combination products meet the LTC needs for policyholders, they may not be a good fit for all consumers in this market.

Description: Updates on current projects of the Marketing & Distribution Section of the Society of Actuaries.

Description: This is a graph from an article in The Actuary Magazine entitlled A Strategic Analysis of the U.S. Life Insurance Industry Part II: Products.

Description: A new wave of life insurance buyers is finally here - but are we ready? In this article, Richard De Sousa shares proprietary research about the Millenial generation, its beliefs related to life insurance, and its preferences when it comes to learning about, purchasing, and engaging with life insurance products, advisors and companies. Also explored is the foundational role that technology and wellness play in driving the kind of experience that will attract millenial buyers. After reading this article, you will better understand the characteristics of this new generation as well as the innovative companies that are targeting them, and learn about different and novel ways to better engage with customers and enhance the value of your own products and services.

Description: A review of the unique product needs of the senior market and how distribution can work to meet them.

Description: Actuary of the Future Section session recap covering market research.

Description: This article examines the issues, trends and opportunities associated with life insurance distribution.

Description: Article The U.S. Government Cost Disclosure Report by Moorhead in The Actuary, June 1979, Volume 13, Number 6

Description: A recap of the Canadians Institute of Actuaries Meeting held in March 1983. This article focuses on the surrender and replacement of life insurance policies as they face competition from other investment products.

Description: An introduction to ultimate life insurance, a product intended to be flexible enough to meet consumers' needs over their lifetimes. The paper gives some illustrations and discusses the Ultimate Life Financial Risk Analysis computer program.