Description: Examines the trends affecting the distribution system for the industry's products, and the regulatory and tax environment in which life companies operate. Also looks briefly at the state of competition in the industry.

Description: An article that talks about the individual disability income IDI Market and how it is reaching out to Physicians. Issue No. 59

Description: The viability and future outlook for the individual disability industry has dramatically improved from where it was 10 years ago. Evidence of this turn–around can be found in the industry's current profitability and its development of new markets. This article discusses where the market stands today.

Description: Provides background on the Brazilian insurance authority's ban of the group life rider benefit for Total and Permanent Disability due to illness, TPD. Then discusses alternative benefits that could be offered as replacements.

Description: Voluntary health insurance coverage options are described including hospital indemnity, accident plans, disability insurance, and critical illness policies.

Description: In the development of a group long term disability LTD premium scale it is necessary to consider the level of credit that should be given for offset of Social Security benefits. The amount of the Social Security award and the proportion of LTD payments that will be made while the individual is receiving that award should be considered.

Description: The author discusses group short-term disability or STD programs, including the advantages and disadvantages of self insured vs. insured plans, as well as hybrid approaches.

Description: A review of how credit life and disability insurance is used in conjuction with real estate loans.

Description: This article offers a brief summary of experience for individual disability income policies based on individual disability income policies which have their first benefit year beginning during 1982 and 1983.

Description: This paper derives exact expressions for the ultimate ruin probability and establishes the effect of correlation on ruin probability using the Wiener-Hopf factorization.