Description: In this article, we discuss the future of wearable technology in life insurance. Evidence from recent research shows that low levels of physical activity, as measured by steps per day indicate much higher mortality risk while higher levels of activity correspond with lower risk. The article shares insights of how insurers can use wearables to innovate by improving the customer journey, expanding insurability, engaging customers, promoting healthy lifestyles and improving risk assessment. Lastly, we discuss the challenges and considerations when using new data and technology to ensure success.

Description: Discussion of the current state of U.S. individual life insurance new premium sales.

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: A review of the unique product needs of the senior market and how distribution can work to meet them.

Description: Discussion of growth in popularity of UL products designed to focus on the guarantee of death benefit protection rather than cash value accumulation and some of the pricing and reserving issues with respect to those products

Description: Discussion of work site mortality— including risk classification and underwriting methodology decisions which affect the appropriate mortality assumptions

Description: Chairman’s corner addressing the many recent external events which have impacted the level of trust in the insurance industry and how this affects product and marketing success for the industry.

Description: Written in reaction to the AG49-A "quick-fix" passed, this article covers the history of IULillustration regulation. It begins by covering major product development and regulationmilestones to date, with numerical examples to show their impacts on illustrations. It thenexplains how the "quick-fix" works and what its impact on illustrations is. Lastly, the articlelooks forward to what could be in store in the future for IUL illustrations.

Description: A discussion of how patents can be used to recover the cost of innovation in product development and operations

Description: discussion of a LIMRA survey on the quantity and types of recent product development efforts of life insurance companies and the considerations driving these efforts