Description: Presented at May 1996 Spring Meeting. Considers many ways product distribution might evolve in the future. Discussion compares traditional forms in place today with some expected and even some unexpected forms of tomorrow. The impact of distribution on product development and design is also explored.

Description: Discussion of anticipated marketing and pricing considerations of Group Insurance in the 1980's including: a. Regulatory environment including National Health Insurance b. Economic and growth potential c. Competition including Health Maintenance Organizations d. Technology e. Evolving role of employee benefits f. Products g. Pricing considerations h. Marketing approaches Also, discussion of the 1960's and the 1970's a. Major influences b. Benefit changes c. Alternate funding approaches 2. The 1980's environment a.

Description: Feature article discussing the Life Settlements business: recent growth, pricing, and future of the business.

Description: This session discusess managing mental health cost through benefit structures, utilization review, and mandated benefits. From the Record of the SOA 1990 Vol. 16 No. 1

Description: This is a Fellowship Credit Research Paper. A portfolio of different insurance policies such as temporary, endowment and whole-life insurance policies is studied in a stochastic mortality and interest environment. The first two moments of the present value of the benefits of the portfolio are derived. The riskiness of the portfolio as measured by the variance of the present value of the benefits can be divided into an insurance risk and an investment risk in two different ways. One way leads to a more natural interpretation of the two risk components. A simple portfolio is used to illustrate the results.

Description: The first of two parts of a panel discussion, by conference call, on the the evolution of Enterprise Risk Management at life insurance companies, and actuaries' roles in that evolution.