Description: This presentation is a teaching session, number 98TS, from the 2000 Annual Meeting of the Society of Actuaries, held October 15-18 in Chicago. The financial services industry is changing rapidly. Thirty years ago the industry made its profits from mortality and expense margins in premiums. Fifteen years ago it was interest margins on fixed annuities and universal life. Today profits come from fees on variable products, interest margin on fixed products, and mortality on term insurance. The instructors look to the future and discuss where profits will come from 10 years from now. Discussion from participants is included. From the Record of Society of Actuaries, Volume 26, No. 3.

Description: This panel discussion session examines the marketing and pricing considerations of group insurance in the 1980's.

Description: RECORD OF SOCIETY OF ACTUARIES 1981 VOL. 7 NO. 3 This discussion looks at the future of permanent life insurance as of 1981, comparing traditional permanent products to term life, universal life, and non life insurance products. Related uncertain economic environment issues and tax issues are discussed.