Don't touch that dial; these days it's likely an insurance commercial may be coming on

Article Abstract:

Television advertising has become one of the leading concerns of insurance companies as they increasingly recognize the importance of developing awareness among potential customers. Insurers are spending millions of dollars for advertising campaigns that address market forces such as global expansion, the consolidation of financial services, name recognition and new distribution channels. Among the most common approaches used are image or brand recognition, high content and direct response. In 1996 alone, an estimated $254.9 million was spent by insurers on network TV advertisements.

Advertising Management-TV, Economic aspects, Advertising, Television advertising, Marketing management

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Clinical Underwriting focuses on individuals

Article Abstract:

Life insurance applicants who fall outside the 'standard' medical classifications but who have a better-than-average chance of surviving than most in their category should benefit from a process known as Clinical Underwriting. Clinical Underwriting examines each applicant as an individual, taking into account such factors as the quality of the medical care they receive and the way they heed their physicians, to come up with an individual rating.

Standards

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Joint venturing - a survival strategy

Article Abstract:

Life insurance companies are increasingly turning to joint venture arrangements with other life insurers to help them compete in the marketplace. For example, disability, survivor whole life and individual health insurance products are often created by one insurer and distributed by another. Other functions and operations shared between two insurers include underwriting and investing capabilities, processing information and bearing risk.

Joint ventures

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