Description: This article discusses the use of product databases to increase response rates from direct mail campaigns. The concept includes renting name lists for a year, appending demographic information, and using a model to better target prospects.

Description: Focusing on the topic of Principle Based Reserves (PBR), the SOA offers on-demand education. The PBR series consists of ten micro-lessons providing foundational education on PBR and requirements of VM-20.

Description: Discusses the different forms of guarantees that have been used in life insurance, and the various means of analyzing and establishing financial support to assure that these promises can be met.

Description: This article discusses the fact that consumers at large do not know that banks sell life insurance. Banks are encouraged to develop a more focused strategy to increase awareness and sales.

Description: Mortality improvement rates for AG38 for 2017.

Description: This article summarizes a recent session at an SOA meeting that presented tips on improving and speeding the product filing process.

Description: This article discusses the changes in the marketing and distribution of lindividual life and annuity products. It highlights new distribution channels including banks, broker dealers, wirehouses and the Internet as well as fee-for-service financial planning.

Description: This is the second article in a four–part series. In this article, the industry's products are examined.