Description: Essay of using microeconomics and Embedded Value concepts to evaluate direct marketing programs.

Description: In May of 2006 the Life Insurance Mortality and Underwriting Survey Committee of the SOA surveyed both reinsurers and direct companies about their practices with respect to making business decisions in the underwriting process. This article highlights the comparison of the results of the two surveys.

Description: Panelists at this session of the SOA 2001 Toronto Spring Meeting discuss incorporating reinsurance costs into the pricing of their retail products. Panelists also discuss the different effects of various reinsurance arrangements.

Description: This report presents the results of the Survey on the Business Decision practices of direct companies conducted by the Society of Actuaries Committee on Life Insurance Mortality and Underwriting Surveys. A survey of reinsurers is reported separately.

Description: This report presents the results of a survey conducted in August and September of 2008 on foreign travel underwriting practices of direct writing companies.

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

Description: Renal disease is a very heterogenous medical condition whose end state is dialysis, a recurring cost intensive medical condition. Dialysis cost is one of the major medical cost drivers in USA. Insufficient and improper care management in the early stages of CKD (chronic kidney disease) leads to early incidence of end stage renal disease (ESRD) among CKD patients which not only leads to high medical costs, but also reflects poor health quality.

Description: This article examines the costs of mental health parity, presents the primary drivers of cost increases from legislation and shows evidence the initial cost projections were too high. From Health Section News, March 2005, Issue No. 49.

Description: This paper is a theoretical examination of the structure of the property-casualty insurance industry using economic theory to compare companies with agency distribution versus direct distribution. The purpose of the paper is to justify the existence of both types of distribution systems in equilibrium.

Description: Review of non public options to finance care including personal savings, revers mortgages, family care and private insurance.