Description: The article offers a discussion about future products, distribution, insurance laws, and contracts. Some ideas might not be possible today, but it is offered as food for thought.

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: This is an article that has excerpts from each of the four winning papers of a contest sponsored by the Society of Actuaries on the subject of visions of the life insurance industry in 2020.

Description: Imagine that the insurance purchase process is a bridge. The customer is coming from one direction and crossing the bridge and the insurer is coming from the other side. The point at which they meet is the transaction point. At one time, customers were willing to completely cross the bridge to get to the insurer. They knew that they needed insurance, and like any retail purchase, they would “travel” to make it happen. Today, the insurers are normally the ones “journeying” across the bridge. This is the future of insurance — useful, convenient, intelligent protection that does its best analytic and protective work on the client-side of the bridge.

Description: Editor’s Viewpoint: Stepping into the All-Electronic Future...

Description: This article provides summaries of the sessions sponsored by the Nontraditional Marketing Section at the recent SOA meeting in Orlando Florida. Topics included measuring sales success, professionalism and the cost of medical malpractice.

Description: This article is about the concept of the Sentinel Effect SE—that selfselection process which directs unhealthy insurance applicants to apply for coverage at amounts where testing is not done, thereby minimizing the chances that their afflictions will be discovered.

Description: Part III of III Managing Non-Life-Insured Products Sold Through Auto Dealers covers Finance Reserve product

Description: This article discusses the results of a LIMRA survey about the use of the internet by life insurance and annuity consumers.

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