Description: A convergence of forces has obsolesced virtually every element of the traditional paradigm of the U.S. life insurance business - the products sold, who sells them, and how they are sold. This article documents the decline in life insurance ownership and sales, and emerging trends - with the market being bifurcated into service intensive vs. commodity.

Description: Letter from the editor.

Description: Letter from the editor

Description: This article examines the relationship, future and current, between insurance agents and technology and determines that technology can enhance/optimize agents.

Description: As we further explore how life insurance customers think and behave, we can address their needs more effectively. Using data and predictive analytics we can better identify groups to target. By embracing technology and approaching customers with the right distribution channels based on preference, we can make life insurance more accessible. We can speak the customers' language. We can understand that they are not all created equal, and tailor products to meet individual needs. In short, we can leverage data, research and technology to become very consumer centric. Getting closer to the customer, can we lower the perceived cost, and raise the perceived benefit of life insurance to a point where customers get excited? Will this not then be a product to buy, not sell?

Description: Reviews the book 'The Life Insurance Industry's Marketing Dilemma,' by Richard Johns about the transition of Variable Life Insurance 'VLI' from being a high-demand product to its current state of unpopularity. The book demonstrates that VLI can perform well over time, thus providing good consumer value.

Description: Article Editorial by Moorhead in The Actuary, February 1979, Volume 13, Number 2

Description: Updating relevancy of accidental death insurance for seniors

Description: Life Insurers have fallen behind the customer service curve and service expectations of younger customers. This article suggests changes for correcting this.

Description: Article Nathaniel Ingersoll Bowditch by Bartlett in The Actuary, June 1979, Volume 13, Number 6