Back Issues 1974 - 1983
All back issues of The Insurance Forum, from January 1974 through December 2013, are available in hard copy. The titles of the articles in issues from January 1974 through December 1983, along with the single copy prices of the issues, are in the accordion below. Click on a year to open or close the panel for that year. For ordering instructions, click here. For bulk pricing, please contact us. All back issues are $10 except for the following eight issues, which are $25: December 1987, October 1988, April 1997, December 1998, March 1999, July 2013, August 2013, and September 2013. For bulk pricing, please contact us. For years not on this page, click on the drop-down menu link for the page you need, or use the links below.
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1974
January 1974 (4 pages; $10)
- An Illustration of What “Guaranteed Renewable” Means
- Attention: Members of the Society of Actuaries
- Attention: Accountants
- Attention: Regulatory Officials
- Pity the Old Policyholders
- Attention: Art Linkletter Fans
- A Personal Notee
February 1974 (4 pages; $10)
- How to Pay Premiums for “A Piece of the Rock” and Have No Insurance Protection
- What the Equitable of New York Does to Beneficiaries
- The Plight of Manhattan Life’s Substandard Policyholders
- What Fidelity Union Life is Doing to College Students
- A Conflict-of-Interest Situation for College Professors
- A Correction
March 1974 (4 pages; $10)
- The Non-Enforcement of the C.L.U. Code of Ethics
- Franklin Life’s President’s Plan
- Attention: Regulatory Officials
- From the Mailbag
- A Personal Note
April 1974 (4 pages; $10)
- More on Fidelity Union Life
- The Plight of the Agent on Campus
- Attention: Teachers
- Western and Southern Life in the News
- Some Facts Missing from the “Life Insurance Fact Book”
- The Northwestern Mutual Wildcatters
- The Misstatement-of-Age Clause and the “Goodman Effect”
- From the Mailbag
May 1974 (4 pages; $10)
- The Equitable of New York Responds
- The Insurance Press Displays its Colors
- Attention: Art Linkletter Fans
- From the Mailbag
- Attention: Readers of The Insurance Forum
June 1974 (4 pages; $10)
- An Emancipation Proclamation for Life Insurance Agents
- The Plight of the Nonparticipating Policyholder
- Denenberg Asks; Best’s Does Not Respond
- The New Acacia Mutual Agent’s Contract
- From the Mailbag
July 1974 (4 pages; $10)
- The Veterans Administration Fumbles Another One
- What is a Hospital Income Policy?
- How to Place a Columbus Mutual Substandard Policy
- When Probe Makes a Mistake
- Attention: Equity Funding Fans
- From the Mailbag
August 1974 (4 pages; $10)
- The National Travelers Life Advertisements
- The Plight of Old John Hancock Policyholders
- Uncle Sam’s Tontine-Like Arrangement
- An Open Letter to Albert Pike
- From the Mailbag
September 1974 (4 pages; $10)
- The “Military-Insurance Complex” Revisited
- The Policy Loan Crisis
- The Disastrous Potential of Variable Life
- From the Mailbag
October 1974 (4 pages; $10)
- Attention: Art Linkletter Fans
- How to Terminate an Agent’s Contract
- An Open Letter to John T. Fey
- A Dialogue with the CLU Journal
- From the Mailbag
November 1974 (4 pages; $10)
- Pandora and the Tennessee Volunteers
- The John Hancock Actuaries Respond
- What “Renewable at Company Option” Means
- An Open Letter to Allstate
- From the Mailbag
December 1974 (4 pages; $10)
- The Perils of Relocation
- Actuarial Hanky-Panky at the Travelers
- Connecticut General and the 8 Percent Interest Assumption
- From the Mailbag
1975
January 1975 (4 pages; $10)
- How to Make an Agent Unhappy
- Watch Out for Minnie Dee
- Damning with Faint Praise
- What ITT Life Is Doing to College Students From the Mailbag
February 1975 (4 pages; $10)
- The NALU is Not a Union
- More on the “Army Times” Series
- Northwestern Mutual and the Tax Evaders
- Attention: Regulatory Officials
- From the Mailbag
March 1975 (4 pages; $10)
- New York Life’s Tontine-Like Arrangement for Agents
- Lip Service from the MDRT
- Don’t Generalize about the Generals
- From the Mailbag
April 1975 (4 pages; $10)
- The Sleeper in New York’s Regulation 74
- An Incredible Letter from Topeka
- More on the Policy Loan Crisis
- Attention: Life Insurance Buffs
- From the Mailbag
May 1975 (4 pages; $10)
- A Little Good News and a lot of Bad News
- A Pyrrhic Victory for a Consumer
- What Should a UNAC Policyholder Do?
- From the Mailbag
June 1975 (4 pages; $10)
- Liberty Mutual’s Claims Practices
- An Aborted Shopper’s Guide
- Attention: Burl Ives Fans
- What Does “For Reasons of Health” Mean?
- The Power of Compound Interest From the Mailbag
July 1975 (4 pages; $10)
- A Private Club Slowly Reforms
- A Report on Employee Discounts
- MONY’s Interesting Classification System From the Mailbag
August 1975 (4 pages; $10)
- Those Heavenly Forester Havens
- In Defense of the Travelers
- A Report on Death Claim Procedures
- From the Mailbag
September 1975 (4 pages; $10)
- Another Campus Caper by Fidelity Union Life
- Dividend Scale Steepening at the Aetna Life
- From the Mailbag
- Linton’s Famous Rate-of-Return Figures
- The Outspoken Actuaries
October 1975 (4 pages; $10)
- A Schoolteacher Invests Her Savings
- Best’s Answers Some Questions
- Another Measure of Company Size
- From the Mailbag
November 1975 (4 pages; $10)
- The 12-Day Professional Designation
- Who Is Protecting Whom?
- Attention: Regulatory Officials
- Attention: Art Linkletter Fans
- From the Mailbag
December 1975 (4 pages; $10)
- What the New York Life Won’t Tell Its Policyholders
- More on the Aborted Shopper’s Guide
- What is the Standard Analytical Service?
- From the Mailbag
1976
January 1976 (4 pages; $10)
- Connecticut Mutual’s Claims Practices
- What “Paid-Up” Really Means
- From the Mailbag
- An Unheralded Dimension of the Colonial Penn Episode
February 1976 (4 pages; $10)
- Northwestern Mutual’s Interesting Dividend Formula
- Active Nondisclosure by the Prudential
- The Foresters Respond
- From the Mailbag
- Replacement Is Not Necessarily Twisting
- The Institute Comes Around
- Attention: Bureaucrat Watchers
March 1976 (4 pages; $10)
- Still More on the Army Times Series
- The Mulcting of the Equitable
- From the Mailbag
- Fidelity Union’s 2,000 Percent Agent’s Commission
- Some Interesting Terminal Dividend Scales
April 1976 (4 pages; $10)
- Prudential’s Interesting Dividend Formula
- What is “Rigorous” Disclosure?
- Great News—Except for Equitable’s Old Policyholders
- Colonial Penn Responds
- More on Liberty Mutual’s Claims Practices
- From the Mailbag
May 1976 (4 pages; $10)
- More on Equitable’s Dividends
- Negative Arbitrage from Fidelity Union Life
- A Classic IRA Advertisement
- Hiding Behind the New York Insurance Department
- Northwestern Mutual’s Confidential Bulletin for Agents
- From the Mailbag
June 1976 (4 pages; $10)
- Continental American’s Interesting Dividend Formula
- How Mutual of Omaha Handles the Elderly
- Is the NYLIC a Retirement Plan?
- The Antitrust Subcommittee’s Price Study
- From the Mailbag
July 1976 (4 pages; $10)
- How the Zurich Wins Friends
- Democracy at the Metropolitan Life
- Manhattan Life’s Interesting Dividend Formula
- More on What “Paid-Up” Really Means
- From the Mailbag
- More on Connecticut Mutual’s Claims Practices
August 1976 (4 pages; $10)
- A Refreshing Touch of Candor
- The Plight of the Long-Time Female Policyholder
- The Case of the 16 Percent Dividend
- A Close Look at Policy Years 16 through 25
- From the Mailbag
September 1976 (4 pages; $10)
- Bankers Life’s Interesting Dividend Formula
- MONY and the Misstatement-of-Age Clause
- Will the Manhattan Life Never Learn?
- Out of the Hides of Travelers’ Agents
- The Dilemma of Northwestern Mutual’s Old Policyholders
- From the Mailbag
October 1976 (4 pages; $10)
- Mutual Benefit’s Interesting Dividend Formula
- Fighting the New York Cover-Up
- More on Bankers Life’s Dividend Formula
- How Some Agents Win Convention Trips
- Some Companies Disclose Their Dividend Formulas
- From the Mailbag
November 1976 (4 pages; $10)
- New York Life’s Claims Practices
- The Power of Periodic Disclosure
- Executives’ Salaries for 1975
- From the Mailbag
December 1976 (4 pages; $10)
- Halsey D. Josephson
- A Pair of Unconvincing Denials
- More on New York Life’s Claims Practices
- A Letter to Equitable’s Board Chairman
- From the Mailbag
1977
January 1977 (4 pages; $10)
- In Retrospect
- More about the New York Cover-Up
- New York Life’s 1977 Dividend Scale Hits the Fan
- Minnesota Mutual’s Claims Practices
- Ben Feldman Is Not the Number One NYLIC
- From the Mailbag
February 1977 (4 pages; $10)
- Cashing In on Policyholder Lists
- Still More on New York Life’s Claims Practices
- Northwestern Mutual’s Fabulous Dividends
- John Hancock’s Interesting Dividend Formula
- Insurance Companies on the Arab Blacklist
- A Sequel to the Zurich Incident
- From the Mailbag
March 1977 (4 pages; $10)
- The Delay Clause Rears Its Ugly Head
- The Actuaries Speak Out
- More on the Mulcting of the Equitable
- Substandard Standard Insurance from Mother Met
- From the Mailbag
April 1977 (4 pages; $10)
- How MONY Handles Its Orphan Policyholders
- Prudential’s Claims Practices
- Metropolitan’s Claims Practices
- How New York Life’s Policyholders Rate
- From the Mailbag
May 1977 (4 pages; $10)
- NSB’s Secret Agreement
- Protecting Those Helpless Insurance Companies
- Fidelity Union’s Apparent Bait-and-Switch Tactics
- Actuaries at Play
- From the Mailbag
June 1977 (4 pages; $10)
- Massachusetts Mutual’s Interesting Dividend Formula
- More on the Rental of Policyholder Lists
- How One Fidelity Union Agency Responded to Criticism
- From the Mailbag
- The Travelers and, Finally, the Northwestern Mutual
July 1977 (4 pages; $10)
- What Probe Won’t Tell Its Readers
- An Intriguing Offer from a Massachusetts Mutual Agent
- From the Mailbag
- More on Northwestern Mutual’s Dividends
August 1977 (4 pages; $10)
- Vane B. Lucas
- The Anti-Disclosure Strategy of the Life Insurance Industry
- Guardian Life’s Dividend Advertisement
- Executives’ Salaries for 1976
- From the Mailbag
September 1977 (4 pages; $10)
- A Provocative Telephone Conversation
- The New York Cover-Up Marches On
- Reserve Weakening in the Big Mutual Life Companies
- More on the Massachusetts Mutual Agent’s Offer
- From the Mailbag
October 1977 (4 pages; $10)
- More on Metropolitan’s Claims Practices
- The A. M. Best Company Expands Its Market
- From the Mailbag
November 1977 (4 pages; $10)
- Allstate’s Claims Practices
- From the Mailbag
December 1977 (4 pages; $10)
- How to Handle a Nonagenarian
- The Equitable Says No
- From the Mailbag
- Attention: Regulatory Officials
1978
January 1978 (4 pages; $10)
- How Not to Sell Term Insurance
- A Life Insurance Tragedy
- From the Mailbag
- Actuarial Hanky-Panky at Gulf Life
February 1978 (4 pages; $10)
- Billy Graham’s Gift Annuities
- Zero Participation from Southland Life
- New York State’s $40 Million Legislature
- More on Terminal Dividends
- From the Mailbag
March 1978 (4 pages; $10)
- How to Squelch Research
- Watch Out for Those Endowment Policies
- A Disclosure Problem for Veterans of the Korean War
- Taxing the Inside Interest
April 1978 (4 pages; $10)
- Are LUPAC Contributions Deductible?
- Fidelity Union’s Outstanding Young Man
- How Not to Sell Tax-Sheltered Annuities
- Observations on Deposit Term
- From the Mailbag
May 1978 (4 pages; $10)
- Helen B. Belth
- Sylvia Porter and Deposit Term
- A Note on Copyright Infringement
- From the Mailbag
- The New York Cover-Up Begins to Unravel
June 1978 (4 pages; $10)
- More on Gulf Life’s President’s Preferred Policy
- A Few Comments on Dividend Histories
- Northwestern Mutual’s Dividend Advertisement Revisited
- More on Life Insurance for Veterans of the Korean War
- From the Mailbag
July 1978 (4 pages; $10)
- How Not to Replace Cash-Value Life Insurance
- Democracy at the Equitable
- A Deafening Silence Thus Far
- From the Mailbag
August 1978 (4 pages; $10)
- The Life Insurance Industry Goes for the FTC Jugular
- Mitigation of a Life Insurance Tragedy
- More on Billy Graham’s Gift Annuities
- The Clouded Future of Prudential’s Brokerage Business
- From the Mailbag
September 1978 (4 pages; $10)
- A Case Study in the Vulnerability of Agents
- The Quiet End of a Big Libel Suit
- A Piece of the Rock Requires Caution
- From the Mailbag
October 1978 (4 pages; $10)
- The New York Cover-Up Continues to Unravel
- An Extraordinary Price Comparison
- From the Mailbag
November 1978 (4 pages; $10)
- The National Audubon Society’s Insurance Plan
- Deception in Our Own Back Yard
- From the Mailbag
- More on Democracy at the Metropolitan Life
December 1978 (4 pages; $10)
- A Forgotten Aspect of Life Insurance Disclosure
- Another Problem for the Terminated Agent
- Executives’ Salaries for 1977
- From the Mailbag
1979
January 1979 (4 pages; $10)
- More on Allstate’s Claims Practices
- More on Endowment Policies
- From the Mailbag
- The Great Dividend Cop-Out
February 1979 (4 pages; $10)
- Phoenix Mutual’s Janeway Advertisements
- The MDRT May Be Headed for Big Trouble
- Attention: Regulatory Officials
- From the Mailbag
March 1979 (4 pages; $10)
- A Case Study in Piggybacking
- From the Mailbag
April 1979 (4 pages; $10)
- Cashing In on Congressional Service
- More on the Great Dividend Cop-Out
- Observations on Negativeness
- Deception in the Sale of Tax-Sheltered Annuities
May 1979 (4 pages; $10)
- The Case of the Outdated Settlement Agreement
- More on Prudential’s Brokerage Business
- Phoenix Mutual’s Knauer Advertisements
- A Comment Regarding General Reinsurance Life Corporation
- From the Mailbag
June 1979 (4 pages; $10)
- The Actuaries of “The Quiet Company” Assume a Leadership Role
- More on Phoenix Mutual’s Janeway Advertisements
- More on Piggybacking
- From the Mailbag
July 1979 (4 pages; $10)
- Massachusetts Casualty Honors a Claim—Eventually
- From the Mailbag
- Canada Life’s Delayed Death Claim
- How Not to Sell John Hancock’s Bond Fund
August 1979 (4 pages; $10)
- The New York Department and the Big New York Mutuals
- Life Insurance Consumerism at Its Best
- How Not to Handle a Policyholder’s Authorization
- More on the Reiskytl Letter
September 1979 (4 pages; $10)
- The FTC Drops an Atomic Bomb
- The New Homeowners Policies
- How to Earn Less Than 4 Percent on Your Money
- From the Mailbag
October 1979 (4 pages; $10)
- The Marketing of Credit Insurance
- Franklin Life’s PEIP
- A Fine Liberalization—Except for Old Policyholders
- From the Mailbag
November 1979 (4 pages; $10)
- High Finance at National Western Life
- Observations on Manhattan Life’s Nonsmoker Discount
- A Surprising Breach of Confidence
- Health Insurance for Epileptics
- From the Mailbag
December 1979 (4 pages; $10)
- A Series of Life Insurance Disclosure Recommendations
- Cancer Insurance and the Credit Unions
- Executives’ Salaries for 1978
- From the Mailbag
1980
January 1980 (4 pages; $10)
- Northwestern Mutual’s “Project Update”
- Complaint Ratios for Automobile Insurance
- A Fine Review of the Equity Funding Disaster
- From the Mailbag
February 1980 (4 pages; $10)
- The Hartford’s Position on Collateral Business
- A New Book about the New York Life
- More on the MDRT Code of Ethics
- From the Mailbag
March 1980 (4 pages; $10)
- Minnesota Mutual’s “Special Product”
- More on the Marketing of Credit Insurance
- Attention: Regulatory Officials
- From the Mailbag
April 1980 (4 pages; $10)
- Lloyd L. Hall
- A Close Look at Some of Prudential’s Practices
- From the Mailbag
May 1980 (4 pages; $10)
- The Official Response of the MDRT
- From the Mailbag
- How to Mislead Buyers about Term Insurance
- Watch Out for the Foresters’ Loan Values
- Somebody Is Investigating Us
June 1980 (4 pages; $10)
- Lie Detector Tests for Insurance Claimants
- A Blistering Attack on Cancer Insurance
- The Saga of New York’s Regulation 74
- From the Mailbag
July 1980 (4 pages; $10)
- Robert L. Rose
- Insurance and a Vital Medical Service
- The Continuing Saga of National Western Life
August 1980 (4 pages; $10)
- The Problem of Unclaimed Benefits
- Penn Mutual Goes to Court
- More on the National Audubon Society’s Insurance Plan
- The Results of Our Survey
September 1980 (4 pages; $10)
- An Important Committee Report
- Rates of Return in the FTC Staff Study
- Executives’ Compensation in 1979
- The MDRT and American Politics
October 1980 (4 pages; $10)
- A Report Card on Agents’ Contracts
- Reactions to Northwestern Mutual’s Amendment Program
- From the Mailbag
November 1980 (4 pages; $10)
- A Couple of Burning Questions
- Attention: Regulatory Officials
- More on the U.S. Senate Race in Vermont
- From the Mailbag
- More on the Selling of John Hancock’s Bond Fund
December 1980 (4 pages; $10)
- The Plight of Jefferson Standard’s Old Policyholders
- Prudential’s Booklet on Consumerism
- More on Complaint Ratios
- Still More on the National Audubon Society’s Insurance Plan
- From the Mailbag
1981
January 1981 (4 pages; $10)
- An Extraordinary NAIC Task Force Proposal
- Pan-American Life’s Benefit Increase
- From the Mailbag
February 1981 (4 pages; $10)
- Franklin Life’s “Dividend Enhancement Program”
- How Not to Sell Cash-Value Life Insurance
- Some Suggested Reading on Privacy
- From the Mailbag
March 1981 (4 pages; $10)
- ManuLife’s “Enhanced Death Benefit” Program
- “Sliding” in Automobile Insurance
- Advertising “Low Cost” Life Insurance
- The Widening Dividend Interest Rate Gap at the Equitable
- From the Mailbag
April 1981 (4 pages; $10)
- The A. L. Williams Replacement Empire
May 1981 (4 pages; $10)
- Unsolicited Life Insurance from Encyclopaedia Britannica
- More on Penn Mutual’s Trip to Court
- From the Mailbag
- Term Conversions and the Traditional Net Cost Method
June 1981 (4 pages; $10)
- Confronting the Traditional Net Cost Method
- From the Mailbag
July 1981 (4 pages; $10)
- Northwestern Mutual’s “Comparable Interest Rate”
- Combined Insurance Company’s Accident Insurance
- Executives’ Compensation in 1980
- From the Mailbag
August 1981 (4 pages; $10)
- Massachusetts Mutual Comes Through
- NICO’s Guide for Life Insurance Consumers
- Observations on Arson Immunity Statutes
- On the Firing of H. P. Hudson
- Phoenix Mutual’s Retirement Advertisements
- From the Mailbag
September 1981 (4 pages; $10)
- Financing the A. L. Williams Replacement Empire
- Observations on Retroactive Liability Insurance
- From the Mailbag
October 1981 (4 pages; $10)
- Income Taxes and the Reinsurance Explosion
- Our Forthcoming Article on Universal Life
November 1981 (4 pages; $10)
- The War Over Universal Life—Part 1
December 1981 (4 pages; $10)
- The War Over Universal Life—Part 2
1982
January 1982 (4 pages; $10)
- The A. L. Williams Replacement Empire Strikes Back (The Banning of “The Insurance Forum” in North Carolina)
- From the Mailbag
February 1982 (4 pages; $10)
- Franklin Life and the Termites
- Insurance Endorsements by the Credit Unions
- Required Reading from North of the Border
- An Important Study of Life Insurance Agents’ Contracts
- From the Mailbag
March 1982 (4 pages; $10)
- The A. L. Williams Strategy Begins to Unravel—Part 1
- From the Mailbag
April 1982 (4 pages; $10)
- The A. L. Williams Strategy Begins to Unravel—Part 2
- From the Mailbag
May 1982 (4 pages; $10)
- The Big Mutuals and Their Disappearing Taxes
- How to Earn 50 Percent on Your Savings
- Recent Developments Involving the A. L. Williams Organization
- Executives’ Compensation in 1981
June 1982 (4 pages; $10)
- Is Your Life Insurance Reasonably Priced? (How to Evaluate an Existing Life Insurance Policy)
July 1982 (4 pages; $10)
- Paul S. Mills
- More on the Big Mutuals and Their Federal Income Taxes
- Underwriting at the Time of Claim (The Attorneys Are Sometimes the Major Winners)
- More on the Plight of Jefferson Standard’s Old Policyholders
- Attention: Regulatory Officials
- From the Mailbag
August 1982 (4 pages; $10)
- The Assault on New York’s Regulatory Apparatus
- The Upward Drift in Best’s Ratings
- A Look into Our Crystal Ball
- From the Mailbag
September 1982 (4 pages; $10)
- A Pair of Case Studies in Insurance Stock Speculation
- Deceptive Sales Practices and Professional Responsibility
- From the Mailbag
October 1982 (4 pages + 2 page supplement; $10)
- Are You Receiving a Reasonable Rate of Return on the Savings Component of Your Life Insurance?
- The Reaction to Our First Consumer Issue
- From the Mailbag
November 1982 (4 pages; $10)
- TEFRA and Universal Life
- The Anatomy of a Public Relations Disaster
- Andrew Tobias and the Insurance Industry
December 1982 (4 pages; $10)
- Attention: Friends of Bob Osler
- A Suggested Method for Disclosing the Net Rate of Return on the Savings Component of a Universal Life Policy
- The Policy Loan Clause and Professional Responsibility
- From the Mailbag
- Attention: Regulatory Officials
1983
January 1983 (4 pages; $10)
- More on TEFRA and Universal Life
- How Not to Calculate Rates of Return
- An Agent’s Letter to His Clients
- From the Mailbag
February 1983 (4 pages; $10)
- How to Buy Term Life Insurance
March 1983 (4 pages; $10)
- Attention: Bird Enthusiasts
- Insurance Solicitations under Nonprofit Postage Permits
- Intimidation from Truman National Life
- Watch Out for Association Group Insurance
- From the Mailbag
- A Request for Comments
April 1983 (4 pages; $10)
- A. L. Williams and The Saturday Evening Post
- More about Security National of Indiana Corporation
- From the Mailbag
May 1983 (4 pages; $10)
- The Policy Loan Crisis Revisited
- How Not to Handle an Insurance Claim
- From the Mailbag
- Executives’ Compensation in 1982
June 1983 (4 pages; $10)
- How to Select a Life Insurance Agent
- The Results of a Class Project
- From the Mailbag
July 1983 (4 pages; $10)
- Cashing In on A. L. Williams
- Statement on Life Insurance Taxation
August 1983 (4 pages; $10)
- A. L. Williams’ New Brochure
- From the Mailbag
- Executives’ Compensation in 1982—Continued
September 1983 (4 pages; $10)
- The Life Insurance Agent and the Board of Directors
- An Interesting Attitude Toward Policyholders
- A Few Observations about the Life Insurance Industry
- How Not to Engage In Prospecting
- From the Mailbag
October 1983 (4 pages + 2 page supplement; $10)
- How to Buy Cash-Value Life Insurance
November 1983 (4 pages + 1 page supplement; $10)
- The Cover-Up in Insurance Academe
- From the Mailbag
December 1983 (4 pages; $10)
- How Not to Engage in Health Insurance Prospecting
- From the Mailbag
- Attention: Regulatory Officials
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