Description: Discusses sources of traditional agent issues, trends in employer-sponsored sales, successes with financial institutions, and developments in direct-response marketing. From the 1987 Record of Society of Actuaries, Vol. 13, No. 2.

Description: The article summarizes the results of the 2022 U.S. and Canadian Life Reinsurance Survey, for both Individual Life and Group Life business, conducted by the Reinsurance Section of the Society of Actuaries.

Description: The article offers a discussion about future products, distribution, insurance laws, and contracts. Some ideas might not be possible today, but it is offered as food for thought.

Description: This is the second installment of an article about using microeconomics and the concepts of embedded value to better manage and understand the profitability of direct marketing programs.

Description: This article discusses the changes in the marketing and distribution of lindividual life and annuity products. It highlights new distribution channels including banks, broker dealers, wirehouses and the Internet as well as fee-for-service financial planning.

Description: Discusses bancassurance in the United States, after providing a brief background about it in Europe.

Description: At least 60 percent of households are now on the Do Not Call list, the level of telemarketing is down, but it still remains an effective marketing channel for insurance companies.

Description: In this article, we discuss the future of wearable technology in life insurance. Evidence from recent research shows that low levels of physical activity, as measured by steps per day indicate much higher mortality risk while higher levels of activity correspond with lower risk. The article shares insights of how insurers can use wearables to innovate by improving the customer journey, expanding insurability, engaging customers, promoting healthy lifestyles and improving risk assessment. Lastly, we discuss the challenges and considerations when using new data and technology to ensure success.

Description: This is the first article in a four-part series. In this series of articles, analysis of the U.S. life insurance industry's customers, products, distribution system and regulatory and tax environment will be given. This first part of the series focuses on the customer and the changing product mix of the life insurance industry.

Description: This keynote address at the SOA 1990 San Francisco Spring Meeting looks at trends in sales, products, services and distribution for the life insurance industry.