Description: Overview of evolving industry trends and examples of how life insurers in Canada are innovating.

Description: Article Disparate Origins Of Life And Non-Life Insurances by Beard in The Actuary, February 1979, Volume 13, Number 2

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

Description: Discussion of LTC insurance product developments being spurred by recent demographic and regulatory trends, especially combination products such as LTC benefits with disability income, annuities, and life insurance. Several viable product styles are considered, along with the pros and cons of each.

Description: Feature article discussing the Life Settlements business: recent growth, pricing, and future of the business.