Description: The viability and future outlook for the individual disability industry has dramatically improved from where it was 10 years ago. Evidence of this turn–around can be found in the industry's current profitability and its development of new markets. This article discusses where the market stands today.

Description: The panelists in this session at the SOA 2003 Vancouver Spring Meeting discuss the outlook for the individual disability business including sales potential, nontraditional approaches to the market, and risk management issues.