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: 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: Editor’s Viewpoint: Stepping into the All-Electronic Future...

Description: This article provides summaries of the sessions sponsored by the Nontraditional Marketing Section at the recent SOA meeting in Orlando Florida. Topics included measuring sales success, professionalism and the cost of medical malpractice.

Description: This article is about the concept of the Sentinel Effect SE—that selfselection process which directs unhealthy insurance applicants to apply for coverage at amounts where testing is not done, thereby minimizing the chances that their afflictions will be discovered.

Description: Part III of III Managing Non-Life-Insured Products Sold Through Auto Dealers covers Finance Reserve product

Description: In the face of declining response rates from direct mail campaigns, the author suggests use of the internet to generate leads will be much more efficient and successful.

Description: This article discusses change initiatives and how companies and executives need to take a proactive approach to manage the change in order to assure success.

Description: This article discusses the results of a LIMRA survey about the use of the internet by life insurance and annuity consumers.