Description: This presentation is a panel discussion from the 1991 Annual Meeting of the Society of Actuaries, held October 20-23 in Toronto. Noting that in today's direct-response marketplace, the consensus is that there are a lot of problems, and some promises, but little, if any, profitability, the panelists discuss long-term care, dread disease, and return of premium [ROP] products, and targeting profitability through research. Discussion from participants is included. From the Record of Society of Actuaries, Volume 17, No. 4A.

Description: One of the many resources that the SOA offers for download are experience studies for long-term care insurance.

Description: One of the many resources that the SOA offers for download are research projects and reports on long-term care (LTC) insurance.

Description: Appendix to the Critical Review of Stochastic Simulation Literature and Applications for Health Actuaries. The Development of a Simulation Model of Primary Prevention Strategies for Coronary Heart Disease

Description: In an age of accelerating transformation—technological, financial, and regulatory —reinsurance continues to be an important component of capital management strategy across the insurance industry. This is true in spite of, and sometimes because of, the evolving ecosystems of ceding companies and reinsurers. Direct writers and reinsurance carriers are coping with a number of critical challenges that are undermining growth potential and threatening profitability. Waning demand and increased capacity for traditional products have, in some instances, led companies to struggle to achieve traditional profit targets. An increase in commoditized pricing, internal expenses related to increased regulation, inefficiencies in internal infrastructure, and the sustained low interest rate environment are additional factors impacting the top and bottom lines of reinsurers and primary carriers alike. In this session we will explore these critical challenges and highlight prevailing practices that organizations are using to deal with the changing landscape.

Description: In the face of declining response rates from direct mail campaigns, the author suggests use of the internet to generate leads will be much more efficient and successful.

Description: Discussion of ways direct marketers have beaten recessions in the recent past and suggestions for beating this recession.

Description: Summary that the Health Care Reform bill creates a government-run long-term care insurance LTCi program CLASS ACT.

Description: This report represents the second in a series of studies conducted jointly by LIMRA International and the Society of Actuaries Long-Term Care Experience Committee and focuses on recent longterm care insurance industry persistency results. The study examines persistency experience by reporting on changes in both voluntary lapse and total termination activity for all participating companies during calendar years 2002 through 2004.

Description: This article is about the relationship of brand advertising to direct marketing and how to bridge the gap.