Description: From a session at a meeting of the Society of Actuaries held in San Diego, CA, June 22-23, 2000 The panelists discuss distribution systems that are viable in the future with emphasis on the middle markets.

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: RECORD OF SOCIETY OF ACTUARIES 1981 VOL. 7 NO. 3 This discussion looks at the future of permanent life insurance as of 1981, comparing traditional permanent products to term life, universal life, and non life insurance products. Related uncertain economic environment issues and tax issues are discussed.

Description: A discussion of what life insurance distribution systems might look like in 1990- from the perspective of 1980- under a high inflation scenario. Included the following topics: I. Traditional agency distribution systems 1a. Which systems will survive the 1980s 1b. Anticipated changes in the traditional systems 2. New agency distribution systems 3. Direct response marketing 4. New methods of selling insurance

Description: 1992 SOA Regional Meeting, Chicago. This discussion is about direct marketing growth in the 1980s, sustaining the growth in the 1990s, regulatory constraints in the 1990s, impact of continuing production cost increases, new product designs, and declining response rate.

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.

Description: Discussion of the attitudes of consumers and consumerists regarding the life insurance industry and its products and a discussion of opportunities for improvement Topics include: 1. Disclosure to existing policyholders 2. Policy loan problems, including the policy replacement problem 3. dividend determination practices and 4. deceptive sales practices in the llfe insurance business.

Description: This session reviewed the distinctions and blurring of those distinctions between group and individual life insurance. Topics include differences in underwriting, legal constraints, marketing and distribution, and the nature of guarantees provided

Description: In session 71 PD of the Montreal Spring Meeting panelists discuss how banks have entered the insurance markets in Canada, the U.S., U.K. and continental Europe. From the Record of the Society of Actuaries, Vol. 23, No. 2.

Description: This 1978 session focused on persistency and agent retention. Questions addressed: 1. What are the current industry practices and experience with regard to the recruiting, training and retention of agents? 2. Are there ways of building the marketing system that can ease the cost impact of loss because of terminated agents? 3. To what extent are agents directed to markets that will allow them to survive ? 4. Are policy persistency studies valuable in helping general agents and managers identify poor markets? 5. Are persistency studies made that relate to the profile of the insured, in addition to relating to policy characteristics? 6. What uses are made of persistency data by agency to improve results? 7. How effective are persistency incentives in compensation plans for agents and home office field management?