Description: The purpose of this paper was to examine the job and compensation of the ordinary life insurance agent in relation to commissions and expense regulation and to examine how well the industry responds to customer needs, and consider how the system might be changed. The paper establishes some criteria for evaluating appropriateness of systems of both agent compensation and expense regulation. The paper is followed by submitted discussion papers

Description: Discussion of how operations research can address some fo the problems in insurance field and home office operations and applications to other types of problems. Can be applied to increasing efficiency of projects and processes.