Description: This is the third and final installment of an article about using microeconomics and the concepts of embedded value to better manage and understand the profitability of direct marketing programs. The article illustrates how traditional asset share calculations are not appropriate in this case.

Description: The Actuary Vol. 22, No. 3. This article discusses how the advantages of the General Agency system which existed prior to the 1970s have diminished materially. Therefore, European companies should be very cautious with any attempts to emulate the North American-type agency distribution system of the late 1980s.

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

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

Description: Read the Quo Vadis Reinsurance.

Description: Description and welcome to the 2020 Canadian Reinsurance Conference including highlight of the key note speaker

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: Talks about Mobile Insurance innovations for microinsurance to bridge financial inclusion gab.

Description: This article discusses problems with life insurance sales illustrations. Potential abuses include use of unrealistic interest rates, projection of mortality improvements, elimination of loads after the 15th year and bonus crediting after the 15th year.