Description: Article from The Actuary, March 1972 – volume 6 - Issue 3 provides the author's observation of the Interest Adjusted Method for illustrating policy costs.

Description: Essay of using microeconomics and Embedded Value concepts to evaluate direct marketing programs.

Description: Presenting the customer a measurable value of life insurance that makes the advice process transparent to both the customer and adviser.

Description: This is the third and final installment of an article about using microeconomics and the concepts of embedded value to better manage and understand the profitability of direct marketing programs. The article illustrates how traditional asset share calculations are not appropriate in this case.

Description: This article discusses problems with life insurance sales illustrations. Potential abuses include use of unrealistic interest rates, projection of mortality improvements, elimination of loads after the 15th year and bonus crediting after the 15th year.

Description: The Actuary Vol. 22, No. 3. This article discusses how the advantages of the General Agency system which existed prior to the 1970s have diminished materially. Therefore, European companies should be very cautious with any attempts to emulate the North American-type agency distribution system of the late 1980s.

Description: This article describes some of the traditional profit measurement standards for direct marketing and then presents a more comprehensive and up-to-date foundation for insurance direct marketers and actuaries to use when reviewing individual direct marketing campaigns or total marketing programs.

Description: This is the second installment of an article about using microeconomics and the concepts of embedded value to better manage and understand the profitability of direct marketing programs.