Description: 1993 SOA Annual Meeting, New York. In this session senior insurance executives discussed a wide variety of topics including: 1. Image of industry. 2. Technology. 3. Complex competitive environment. 4. Expense and profitability problems. 5. Expansion of government programs. 6.Positioning for potential health insurance reform. 7. Maximizing profitable use of information technology. 8. Downsizing, outsourcing and lean staff. 9. Product focusing and niche marketing. 10. Joint ventures versus mergers. 11. Improving the image of the industry. 12. Managing employee relations in a climate of change. 13. Motivation and empowerment of employees.