Description: Discussion of ways direct marketers have beaten recessions in the recent past and suggestions for beating this recession.

Description: Applying behavioral-science and shared-value principles to insurance is a win-win proposition for both insurers and clients.

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: An introduction to ultimate life insurance, a product intended to be flexible enough to meet consumers' needs over their lifetimes. The paper gives some illustrations and discusses the Ultimate Life Financial Risk Analysis computer program.

Description: From a session at the Spring regional meeting of the Society of Actuaries held in Atlanta, Georgia, May 24-25, 1999 Panelists address a range of issues related to product development in life insurance companies.

Description: This article is based on a presentation made by Ron Kleiman at the Annual Conference of the Professional Insurance Marketing Association PIMA regarding the obstacles and a solution to worksite marketing sales.

Description: Panelists discuss: [1] the basics of intellectual property, particularly patent law, and the distinctions among patents, trademarks, and copyrights, [2] what may make a new insurance-product idea patentable, and [3] an actuarial perspective on inventing insurance products. From the 2002 Record of Society of Actuaries, Volume 28, No. 3. Session 30PD of the Boston Annual Meeting.

Description: From a session at the Spring meeting of the Society of Actuaries held in San Antonio, Texas, June 14-15, 2004. Panel members from the sales and marketing disciplines discussed their best and worst experiences in bringing an innovative product to market and share insights on how to best develop a working relationship within the product development team.

Description: Response to Life Insurance 2020 Foresight – A Call for Essays. An essay stating the author’s vision for the future of the life insurance sector.