Life in-force management : improving consumer value and long-term profitability

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<title>Life in-force management</title>
<subTitle>: improving consumer value and long-term profitability</subTitle>
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<publisher>Swiss Reinsurance Company Ltd.</publisher>
<dateIssued>2017</dateIssued>
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<abstract displayLabel="Summary">For long-term sustainability, life insurers need to maintain a strong connection with their consumers. Increasingly, insurers are focusing on improving relations with existing policyholders by steering customers toward high-value products, increasing persistency and improving claims management. This increased focus on existing rather than new business is about enhancing long-run profitability. Insurers can improve profits on in-force life books by judicious asset management, optimal capital allocation and reduced operating costs. These actions can reduce the cost of providing insurance and hence increase sales with lower prices</abstract>
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<title>Gestión del negocio vigente en el ramo de vida : mejorar el valor para el consumidor y la rentabilidad a largo plazo</title>
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