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: Presenting the customer a measurable value of life insurance that makes the advice process transparent to both the customer and adviser.

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?

Description: This article presents the mathematics for evaluating direct marketing test programs.

Description: Description and welcome to the 2020 Canadian Reinsurance Conference including highlight of the key note speaker

Description: This panel discussion is about insurance organizations that combine Life and Casualty operations. It focused on: 1. Advantages and disadvantages of All-Lines Charters 2. Tax implications of adding the alternate line 3. Marketing implications 4. Capacity and surplus implications

Description: Read the Quo Vadis Reinsurance.

Description: Article from The Actuary, March 1972 – volume 6 - Issue 3 provides the author's observation of the Interest Adjusted Method for illustrating policy costs.

Description: This 1977 panel discussion focused on cost disclosure in individual life insurance. Areas covered included: 1. Status of NAIC model disclosure bill 2. Questions related to comparisons of costs and value of dissimilar policies 3. Characteristics of a good disclosure in a replacement situation 4. Developments in the use of the retention method

Description: The Actuary Vol. 22, No. 3. This article discusses how the advantages of the General Agency system which existed prior to the 1970s have diminished materially. Therefore, European companies should be very cautious with any attempts to emulate the North American-type agency distribution system of the late 1980s.