Titlebook: Changes in the Life Insurance Industry: Efficiency, Technology and Risk Management; J. David Cummins,Anthony M. Santomero Book 1999 Spring

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,The Generalized Ohm’s Law in Plasma,ted over 50% of insurance company capital expenditure throughout the 1980s (Francalanci and Hossum, 1998). As one observer succinctly stated, “today you can’t do anything in a life insurance company without technology” (Harnett, 1997).

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nd the emergence of non-traditional competitors such asbanks, mutual fund companies and investment advisory firms. This isthe first book to analyze the determinants of firm performance in thelife insurance industry by identifying the `best practices‘ employedby leading insurers to succeed in this dy

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The Industry Speaks: Results of the WFIC Insurance Survey,re trends. Specifically, the survey focuses on what set or sets of individual practices and strategies contribute to efficiency gains and lead to competitive advantage in this marketplace. While these questions are not new, the current circumstances in which the industry finds itself are certainly changing.

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Efficiency in the U.S. Life Insurance Industry: Are Insurers Minimizing Costs and Maximizing Revenufficiency analysis is employed to evaluate the efficiency of U.S. life insurance companies. We estimate technical, scale, cost, and revenue efficiency for a sample of insurers that represent 80 percent of industry assets.

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