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Profitability of Different Distribution Channels
focusing probably more on this than other aspects. Direct field costs can vary significantly from one company ... more than half is coming from sales through banks, direct response, and stockbrokers, rather than some form ...- Authors: John Fenton, Roger Heath, H Shumrak
- Date: Oct 1995
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Economics>Financial markets
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Current Individual Term Product Trends
818[c)2. Many companies also projected losses on direct business but made a profit when reinsurance was ... inherently flawed and was producing a loss on a direct basis, so the product had to be pulled when reinsurance ...- Authors: Douglas Doll, Roger Heath, P Randall Lowery, David A Schofield, Michael R. Winn
- Date: Apr 1984
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Term life
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Disclosure Systems: Can an Ideal Method be Found?
standard- ized. We now have 10 standardized long-term care products that have been de- signed by the federal ... When we do run into problems, for example with direct recognition, there is some discussion and a position ...- Authors: William D Baldwin, Steven Eisenberg, Roger Heath, William C Koenig, Rachel M Hancock
- Date: May 1991
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance; Public Policy
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Emerging Compensation Alternatives
effort in determining how to get his needs taken care of. They may not see the loads per se, but they ... wanting annuities that pay 5%, they don’t particularly care that their whole life policy, which requires them ...- Authors: Thomas E Beresford, Armand de Palo, Roger Heath, A Micheal McMahon
- Date: May 1996
- Competency: External Forces & Industry Knowledge>Internal forces and business performance; Strategic Insight and Integration>Strategy development
- Publication Name: Record of the Society of Actuaries
- Topics: Life Insurance>Marketing and distribution - Life Insurance