Outperforming the market in uncertain times : what life insurers must do to meet analysts expectations of risk control, growth and cost reduction

<?xml version="1.0" encoding="UTF-8"?><collection xmlns="http://www.loc.gov/MARC21/slim" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.loc.gov/MARC21/slim http://www.loc.gov/standards/marcxml/schema/MARC21slim.xsd">
  <record>
    <leader>00000cam a22000004b 4500</leader>
    <controlfield tag="001">MAP20120043008</controlfield>
    <controlfield tag="003">MAP</controlfield>
    <controlfield tag="005">20121011174123.0</controlfield>
    <controlfield tag="008">121011s2012    usa||||       ||| ||eng d</controlfield>
    <datafield tag="040" ind1=" " ind2=" ">
      <subfield code="a">MAP</subfield>
      <subfield code="b">spa</subfield>
      <subfield code="d">MAP</subfield>
    </datafield>
    <datafield tag="084" ind1=" " ind2=" ">
      <subfield code="a">341</subfield>
    </datafield>
    <datafield tag="245" ind1="0" ind2="0">
      <subfield code="a">Outperforming the market in uncertain times</subfield>
      <subfield code="b">: what life insurers must do to meet analysts expectations of risk control, growth and cost reduction</subfield>
    </datafield>
    <datafield tag="260" ind1=" " ind2=" ">
      <subfield code="a">New York [etc.]</subfield>
      <subfield code="b">Accenture</subfield>
      <subfield code="c">2012</subfield>
    </datafield>
    <datafield tag="520" ind1=" " ind2=" ">
      <subfield code="a">Life insurers are operating in a challenging and fast-changing environment. Their businesses are under enormous pressure from a range of external forces. The most demanding of these, the survey found, are new regulations and reforms, volatility in investment returns,  the sovereign debt crisis and slowing growth in core markets. Changes in consumer demand is another source of uncertainty. Whereas at the moment analysts believe the majority of customers prefer differentiated, value-added products rather than standardized, undifferentiated products, in the not too distant future the balance is expected to shift</subfield>
    </datafield>
    <datafield tag="650" ind1=" " ind2="1">
      <subfield code="0">MAPA20080570590</subfield>
      <subfield code="a">Seguro de vida</subfield>
    </datafield>
    <datafield tag="650" ind1=" " ind2="1">
      <subfield code="0">MAPA20080579814</subfield>
      <subfield code="a">Crisis financiera</subfield>
    </datafield>
    <datafield tag="650" ind1=" " ind2="1">
      <subfield code="0">MAPA20080574949</subfield>
      <subfield code="a">Cambio económico</subfield>
    </datafield>
    <datafield tag="650" ind1=" " ind2="1">
      <subfield code="0">MAPA20080584344</subfield>
      <subfield code="a">Control de riesgos</subfield>
    </datafield>
    <datafield tag="650" ind1=" " ind2="1">
      <subfield code="0">MAPA20090026322</subfield>
      <subfield code="a">Reducción de costes</subfield>
    </datafield>
    <datafield tag="650" ind1=" " ind2="1">
      <subfield code="0">MAPA20080550592</subfield>
      <subfield code="a">Encuestas</subfield>
    </datafield>
    <datafield tag="710" ind1="2" ind2=" ">
      <subfield code="0">MAPA20080436353</subfield>
      <subfield code="a">Accenture</subfield>
    </datafield>
  </record>
</collection>