Description: Response to Life Insurance 2020 Foresight – A Call for Essays. An essay stating the author’s vision for the future of the life insurance sector. Some smaller companies might focus on smaller niche markets rather than compete with larger companies in the broader markets.

Description: As technology continues to advance and consumers' preferences constantly change, the need for insurance to be sold at more competitive prices has become apparent, forcing the Broker channel to adjust its business model and also creating a new opportunity for the Direct-to-Consumer channel. The presenter will examine how various channels have co-existed in the past, and evaluate how they will evolve and co-exist in the future. The discussion will also include an analysis of a channel strategy to optimize results for the growth of a company. Presenters will include representative from the following distribution channels

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

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: This article takes a look at direct response marketing the associated costs, and the tools necessary to start building a company’s presence in this developing market.

Description: This article evaluates findings from a new LIMRA focus group consumer study that examined the decision-making process that consumers follow when buying life insurance including their use of direct channels, including direct mail, the internet and call centers.

Description: This article defines the distribution gap, customer's gap, and distributor's gap in the marketing and sales process. It offers solutions to close these gaps and therby create a more efficient distribution system that better meets customer's needs.

Description: Chairperson’s column addressing recent and planned activities of the Marketing and Distribution Section of the Society of Actuaries.

Description: A discussion on the need for insurance companies to reimagine the way they market, engage and sell to consumers.

Description: Letter from the editor