companies can no longer rely on agents to be their primary point of contact with their middle market clients ... financial com- pany I deal with, “online” is the primary (if not only) way that I access my account in- ...

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42 percent work for a rein- surer, 38 percent a direct writer, 13 percent a consul- tant, and 7 percent ... falling out of sync with those who comprise their primary target market: young indi- viduals. The Untouchables ...

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of the large medical claim trend in U.S. health care insurance. By Yang Hu The increasing frequency ... catastrophic exposures greatly challenges today’s managed-care reinsurance market. Catastrophic-claim “horror stories” ...