Description: Presented at May 2002 Spring Meeting. Credit insurance, long the mainstay in this venue, is being supplanted by a vast array of products designed to meet the particular needs of borrowers without the encumbrance of regulation. This session discusses the activity in this segment of the insurance industry as well as concepts that might transfer to other related instruments.

Description: discussion of a new product idea for retirement planning which integrates a variety of needs estate death benefit, annuity income, disability income, etc. into one product