Description: The article offers a discussion about future products, distribution, insurance laws, and contracts. Some ideas might not be possible today, but it is offered as food for thought.

Description: Essay of using microeconomics and Embedded Value concepts to evaluate direct marketing programs.

Description: This article discusses customer lifetime value CLV programs for insurance companies and their benefits.

Description: This article summarizes a presentation for the Professional Insurance Marketing Association PIMA discussing the need to better understand the direct marketing customer in order to be successful.

Description: This article discusses the issues of meeting the life insurance needs of the middle market.

Description: This article discusses the growing interest in the Preneed market.

Description: This article is an overview of an SOA seminar on using predictive modeling and other quatitative approaches for evaluating direct marketing programs.

Description: This article discusses new tools to underwrite faster, cheaper and better in order to be more profitable and also market to the middle market.

Description: This article looks at the question, Will the Internet become a viable method of insurance sales and service for the middle market? Recommendations are given on the best uses of the internet for reaching this market on line.

Description: This article provides a summary of “Insurance Coverage for ALL: And How Insurers Can Afford to Provide It”, a session at a recent SOA meeting.