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: 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 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: 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: This session from the 1983 SOA Spring Meeting discusses disintermediation and intermediation risk - C-3 Risk, investment strategy and product design including market value adjusted products. From Record of Society of Actuaries Vol. 9, No. 2.

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.

Description: The panel discussed conservation strategies for permanent and term insurance. Topics included: 1.Impact on in-force business from new products e.g., continuous reduction in ART rails, non-smoker discounts, universal life: increased policy loans?, replacements?, lapses?, surrenders and _exchanges? 2. Responses from companies: e.g. extension of new cost methods to existing policyholders?, Field compensation when replacing existing business?, internal conservation functions?, update programs policyholder/agent communication strategies? applicability of new products to in-force policyholders. 3. Interest groups which must be considered and differences between stock vs. mutual companies? e.g. Policyholder, agent/broker, management, stockholders, prospective policyholder, legal/regulatory forces IRS, SEC, state insurance departments. 4. Appropriate financial considerations and anticipated results? Is stonewalling a viable alternative? GAAP effects statutory effects use of reinsurance field force compensation/survival, anticipated future mortality results, Federal Income Taxes.