August 2020 – Page 9

Jacob Jacoby 1978 – “Consumer accessing and use of information in making life insurance purchase decisions” A technical report submitted to the Life Insurance Task Force of the Federal Trade Commission , (61 pages; + 50 page appendix). — <Bonk: Found. I did a FOIA Request for all 3, but they only had this one.>…

Cost of Insurance Maybe we can jiggle a bit with our cost of insurance rates. — Michael R. Tuohy 1985 – SOA -Variable Life Insurnce in Canada and the United States, Society of Actuaries – 24p SOA – Agent – I didn’t know Costs Came Out Commissioner Lyons reported that the working group feels strongly…

Annual Statement This can also allow for a low first-year target premium. On the other side, however, it may cause some difficulties in terms of the annual reporting to the policyholder if, indeed, the policyholder really pays attention to the statement sent to him. — Christian J. DesRochers 1983 – SOA – Universal Life (RSA83V9N212), Society…

Refind SOA What if all agents don’t know stuff? Walker v LSW Why would you pay more Cash Value guaranteed NAIC Agent – I didn’t know Costs Came Out Van Mueller Polic Mechanics it’s not a 10 pay / paid up policy Metzenbaum the US Economy goes the way of the life insurance industry 2008 0917…