Description: Letter from the editor.

Description: Letter from the editor

Description: This article examines the relationship, future and current, between insurance agents and technology and determines that technology can enhance/optimize agents.

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: Life Insurers have fallen behind the customer service curve and service expectations of younger customers. This article suggests changes for correcting this.

Description: Updating relevancy of accidental death insurance for seniors

Description: Gives an overview of the main product features of Indexed Universal Life, and describes marketing factors contributing to high growth in sales.

Description: Discusses possibilities for meeting consumer needs for life insurance in the future, given the shrinkage in agents selling life insurance coupled with increasing demand for advice.