Description: Several key market trends have encouraged the development and launch of direct to consumer business models over the last few years. The presenters will look at the impact this is having on traditional business models and the potential it has to open up growth paths to target markets. They will cover several new entrants coming to market aiming to solve specific industry gaps and/or create new opportunities in distribution, risk assessment, customer engagement and the consumer buying experience.

Description: This session discussion is about competitive strategies in mass marketing for both direct response and payroll deduction marketing. From Record of the Society of Actuaries Vol. 15, No. 2.

Description: In session 133 PD of the New York Annual Meeting panelists explore the impact of pricing products from the perspective of the direct writing company and their reinsurer. From the Record of the Society of Actuaries, Vol. 24, No. 3.

Description: The presenters will dig into the little rider that most actuaries don't spend much time thinking about. A regulator, a direct writer and a consultant will discuss their thoughts on this rider and point out areas where actuaries should focus before deeming it insignificant. Topics will include the current study underway to update the industry experience study (most recently done in 1952), underwriting considerations, interactions with other riders, benefit designs, unique issues on UL policies, tax implications and reserving considerations

Description: This discussion focuses on the changing pattern of life insurance investing into public utilities, railroads, real estate, mortgages, corporate bonds and common and preferred stocks. This session also looks at the importance of the investment department, the impact on policyholder earnings, direct placement investing and a history of stock market performance since 1918. From Transactions of Society of Actuaries 1959, Vol. 11, No. 29 AB.

Description: This is a discussion on the subject of simplified underwriting and guaranteed issue. This panel will explore 4 distinctly different guaranteed issue approaches the creation of underwriting pools for agencies and agents in the individual non-pension insurance sales area with respect to business insurance guaranteed issue mortality experience in the individual policy pension trust area how guaranteed issue underwriting is used in some direct-response marketing and finally, offering of additional insurance on a simplified underwriting basis for certain classes of existing policyholders.

Description: Over the last few years, many direct companies have started inforce management programs and are now navigating what actions can be taken to optimize the business. At the same time, the legal, compliance, and regulatory environments are also changing. The presenters will explore the development and implementation of programs such as changing non-guaranteed elements or efforts to improve experience while considering the changing compliance environment, including New York Regulation 210, ASOP2 and litigation challenges.

Description: This discussion at the SOA 1990 San Francisco Spring Meeting covers living benefit riders including benefit designs, regulatory activity, tax status, pricing considerations and reserves.

Description: This session discussion is about the long-term care and living benefit riders, early sales results, benefit structure, development of claim costs and regulatory and tax considerations. From Record of the Society of Actuaries Vol. 15, No. 3A.

Description: This discussion is about group life insurance for employees on leave due to military service, methods for estimating group dividend liabilities, and issues in the underwriting of Group Hospital Expense insurance.