Description: This is the third and final installment of an article about using microeconomics and the concepts of embedded value to better manage and understand the profitability of direct marketing programs. The article illustrates how traditional asset share calculations are not appropriate in this case.

Description: This article describes some of the traditional profit measurement standards for direct marketing and then presents a more comprehensive and up-to-date foundation for insurance direct marketers and actuaries to use when reviewing individual direct marketing campaigns or total marketing programs.

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

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

Description: Feature article discussing the infrequency of independent underwriting audits and the problems that creates.

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: Feature article discussing how technology can speed up and improve the accuracy of the the underwriting process. The distinction between rules and guidelines is discussed.