Description: This is a panel discussion session examining the complaints of life insurance consumers. The subjects include readability of contracts, risk classification methods, variety of product including the meaning of product names- what does the customer think he/she is buying or has bought, perceived lack of competition,

Description: Discussion of the attitudes of consumers and consumerists regarding the life insurance industry and its products and a discussion of opportunities for improvement Topics include: 1. Disclosure to existing policyholders 2. Policy loan problems, including the policy replacement problem 3. dividend determination practices and 4. deceptive sales practices in the llfe insurance business.

Description: To remain relevant, life insurers need to understand changing consumer behavior and the shifting sands of buying triggers. The presenters will look at consumer studies, both U.S. and global, that reveal changing behaviors that influence the decision to buy or not buy life insurance. They will look at four demographic and economic categories including Millennials, Generation X, Boomers and the Silent Generation and how these generational groups do or don't differ in their feelings and behaviors around life and health. The presenters will address new growth opportunities for companies that align their value proposition to these changing attitudes. They will explore opportunities around health and wellness to increase policy holder engagement and share insight into generational attitudes around wearables and the sharing of personal data.

Description: Discussion of new individual life, annuity and disability product developments designed to meet conditions in today's market. This article was presented at the Spring 1975 Meeting in Los Angeles.

Description: From the Record 1976 Vol. II, No. 4, this presentation is from a concurrent session at the Society of Actuaries 1976 Annual Meeting, held in Toronto, Ontario October 20-22. In this session, the presenters discuss the current problems with policy loans in the current interest rate environment, covering topics such as legal considerations, allocation of investment income, pricing, sales problems, and policyholder considerations.

Description: This article is about how insurance companies are deploying insurance technologies.

Description: From the 1960 Transactions Vol. 12 No. 32, this ‘Discussion of Subjects of Special Interest’ addresses insurance withdrawal rates. Topics include recent studies of factors affecting withdrawal rates and the question of whether new standard tables to replace Linton’s A and B tables are needed.

Description: Over the last few years, many direct companies have started inforce management programs and are now navigating what actions can be taken to optimize the business. At the same time, the legal, compliance, and regulatory environments are also changing. The presenters will explore the development and implementation of programs such as changing non-guaranteed elements or efforts to improve experience while considering the changing compliance environment, including New York Regulation 210, ASOP2 and litigation challenges.

Description: Panelists discuss recent trends in the effects of mortality and lapse rates on term life insurance. The discussion includes: • Theories predicting the impact lapse rates have on mortality after the level premium period • Recent industry studies on mortality and lapses • The impact lapse and mortality rates have on profits

Description: Panelists discuss customer life-cycle needs for life and annuity products and what can be done when a customer's needs change. They also discuss the opportunities and risks associated with the migration of customers through products and wealth-transfer needs. From the 2002 Record of Society of Actuaries, Volume 28, No. 3. Session 32PD of the Boston Annual Meeting.