Description: Presented at May 2000 Spring Meeting. Some companies are planning to increase sales and lower expenses by packaging the sale of long-term-care coverage with complementary products. Life and annuity combinations, market positioning, product features and product development issues are discussed.

Description: This panel discussion session examines the marketing and pricing considerations of group insurance in the 1980's.

Description: This session reviewed the distinctions and blurring of those distinctions between group and individual life insurance. Topics include differences in underwriting, legal constraints, marketing and distribution, and the nature of guarantees provided

Description: This 1981 session reviewed the relationship of group and individual insurance. Topics include differences in underwriting, legal constraints, marketing and distribution, and the nature of guarantees provided

Description: This panel discussion session looked at recent and proposed regulation of life insurance underwriting. Specific topics included: i. Problems with traditional underwriting classifications: privacy, disclosure, anti-discrimination, etc. 2. New and acceptable classifications: smoking, lifestyle, build, blood pressure, finances, etc. 3. Possible transition problems: existing policies, persistency, coordination of previous data with newer classes, etc.

Description: This session focused on issues related to term life insurance. Topics included 1. Term life insurance products in the 1980's 2. Assumptions and experience 3. Term insurance marketing and distribution including sales compensation approaches.

Description: This meeting session from the April 1982 Society of Actuaries meeting in Orlando, presented a discussion on allocation of assets and investment income. The discussions included: implications of allocating specific assets to particular lines of business, introduction and management of specific allocation procedures, and the principal allocation methods.

Description: This session is about meeting the needs for financial information in managing an insurance company. Topics include: 1. What are management's basic needs how are they met can financial systems continue to meet the challenge? 2. Are fundamental changes ahead for GAAP reporting? 3. Is it time for mutual companies to provide more meaningful financial information? 4. Can current regulatory reporting meet the needs of the 21st century? 5. Can separate statutory and GAAP systems continue to coexist? 6. Will the United States regulatory environment reduce our global competitiveness? 7. Variance analysis - Why your predictions were wrong - Which variances are acts of God? - Which variances should be blamed on somebody? - How to deal with interest rate fluctuations 8. Market valuation, why? - What questions are being addressed with market valuation

Description: From a session at a meeting of the Society of Actuaries held in San Diego, CA, June 22-23, 2000 A discussion of liquidity management for life insurance companies marketing institutional clients, in particular with respect to GIC contracts and Funding agreements. Topics included: · What happened at General American with their defaults on funding agreements. Why did the regulators and rating agencies miss the problems? · What was the impact of reinsurance? · What is the effect of adding institutional business such as putable funding agreements on liquidity management? · Are there prudent levels of this business that can be beneficial? · What is the effect of funding agreements with downgrade provisions on liquidity risks, and do such provisions create a preference for sophisticated institutional contract holders?

Description: This is a panel discussion session examining the complaints of life insurance consumers. The subjects include readability of contracts, risk classification methods, variety of product including the meaning of product names- what does the customer think he/she is buying or has bought, perceived lack of competition,