Description: Essay of using microeconomics and Embedded Value concepts to evaluate direct marketing programs.

Description: In May of 2006 the Life Insurance Mortality and Underwriting Survey Committee of the SOA surveyed both reinsurers and direct companies about their practices with respect to making business decisions in the underwriting process. This article highlights the comparison of the results of the two surveys.

Description: Panelists at this session of the SOA 2001 Toronto Spring Meeting discuss incorporating reinsurance costs into the pricing of their retail products. Panelists also discuss the different effects of various reinsurance arrangements.

Description: This report presents the results of a survey conducted in August and September of 2008 on foreign travel underwriting practices of direct writing companies.

Description: This article presents the mathematics for evaluating direct marketing test programs.

Description: This report presents the results of the Survey on the Business Decision practices of direct companies conducted by the Society of Actuaries Committee on Life Insurance Mortality and Underwriting Surveys. A survey of reinsurers is reported separately.

Description: This article examines the costs of mental health parity, presents the primary drivers of cost increases from legislation and shows evidence the initial cost projections were too high. From Health Section News, March 2005, Issue No. 49.

Description: This paper is a theoretical examination of the structure of the property-casualty insurance industry using economic theory to compare companies with agency distribution versus direct distribution. The purpose of the paper is to justify the existence of both types of distribution systems in equilibrium.

Description: This article describes some of the traditional profit measurement standards for direct marketing and then presents a more comprehensive and up-to-date foundation for insurance direct marketers and actuaries to use when reviewing individual direct marketing campaigns or total marketing programs.

Description: Realizing the impact of medical errors on the U.S. health care system, the Health Section commissioned a research project to measure the annual frequency of medical errors and their total measurable direct and indirect cost to the economy.