Marketing insurance through banks

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      <subfield code="a">Banks including savings and loan companies (S&La), bank-owned agencies, and insurance affiliates - have proven to be an important distribution channel for individual annuities.* Some third-party marketing companies (TPMS) are expand ing to help banks sell life and health insurance in addition to annuities. Some insurers are taking advantage of the distribution efficiencies of selling insurance through banks by forming marketing relationships direct with banks. This report provides information on life insurance, health insurance, and annuity marketing. The first section summarizes banks' role in this marketing and the second section summarizes responses of TPMs and insurers. The insurers represented in this study underwrite and market insurance through banks; they do not work through marketing companies. The report focuses on premium volume, compensation, and marketing strategies
 for insurance sales. It also presents the primary reasons banks enter the insurance market and the attributes that TPMs and insurers look for when forming insurance distribution relationships
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