Description: A new wave of life insurance buyers is finally here - but are we ready? In this article, Richard De Sousa shares proprietary research about the Millenial generation, its beliefs related to life insurance, and its preferences when it comes to learning about, purchasing, and engaging with life insurance products, advisors and companies. Also explored is the foundational role that technology and wellness play in driving the kind of experience that will attract millenial buyers. After reading this article, you will better understand the characteristics of this new generation as well as the innovative companies that are targeting them, and learn about different and novel ways to better engage with customers and enhance the value of your own products and services.

Description: Applying behavioral-science and shared-value principles to insurance is a win-win proposition for both insurers and clients.

Description: This article examines the relationship, future and current, between insurance agents and technology and determines that technology can enhance/optimize agents.

Description: Professional development opportunities from the Society of Actuaries.

Description: This is an article that has excerpts from each of the four winning papers of a contest sponsored by the Society of Actuaries on the subject of visions of the life insurance industry in 2020.

Description: Chairman’s corner addressing the many recent external events which have impacted the level of trust in the insurance industry and how this affects product and marketing success for the industry.

Description: An introduction to ultimate life insurance, a product intended to be flexible enough to meet consumers' needs over their lifetimes. The paper gives some illustrations and discusses the Ultimate Life Financial Risk Analysis computer program.

Description: This article defines the distribution gap, customer's gap, and distributor's gap in the marketing and sales process. It offers solutions to close these gaps and therby create a more efficient distribution system that better meets customer's needs.

Description: Discussion of growth in popularity of UL products designed to focus on the guarantee of death benefit protection rather than cash value accumulation and some of the pricing and reserving issues with respect to those products

Description: Discusses attributes of online selling.

Description: Article from The Actuary, June 1999 – volume 33 - Issue 6: Independent brokerage agencies have been the alternative distribution system of choice by life insurers using methods other than the career agency system to bring products to market.