Solutions – Communication Mr. Tom Sutton (ACLI / Pacific Life) –   My personal opinion is that I would not have any problem with a kind of disclosure that could be communicated simply, but was based on extensive analysis by someone capable of making the appropriate analysis. I would not like a simplistic disclosure that…

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Solutions – Policyholder Expectations  If we are going to have a group of consumers of our products who are satisfied with what they get, we have to meet their expectations. Obviously, there are two adjustment points whereby that can be accomplished. One is that you can change the outcome to match the expectations. The other…

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