GLG News by Life & Health Insurance Consultants

Titus Bocseri, Managing Director

Titus BocseriManaging DirectorUmbrella Solutions What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Understanding the Potential Impact of Future Trends in the Life Insurance Industry

December 6, 2007

Global Expansion in Life Insurance | www.eds.com

The article is interesting because is evaluating the engines behind the globalization trend in life insurance insdustry. In particular, the article examines two important demographic trends:   (1) the ageing of the world's population and (2) the increase in life expectancy of these populations. It is interesting to explore additional trends - customers becoming more demanding, the technology playing an even bigger role, and the challenge in attracting and retaining talent - and their potential impact on the future of life insurance industry.

Bilyana Savic, President

Bilyana SavicPresidentInsurance Insights What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Creative Cost Containment for Healthcare Premiums

July 13, 2007

Insurer offers healthy bonus | www.denverpost.com

There are ways to control costs, reduce premiums and provide access to quality healthcare plans. Creativity in plan design and customization of plans are key areas insurers are exploring in order to meet the demands of current trends and to build and retain customer loyalty.

Bilyana Savic, President

Bilyana SavicPresidentInsurance Insights What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Commissions: To Take or Not To Take. The Debate Continues.....

July 13, 2007

Insurance brokers reconsider taking insurer commissions | www.marketwatch.com

The controversy of contingent commissions is not a new one. This debate has caused significant changes to our views of broker payments, disclosure, ethics, and loyalty. The central question started off as being one about disclosure. Theoretically, if the client is aware then there isn't an issue. If this article is any indication, the debate is far from over. Aon, Marsh, Willis Group and Arthur J. Gallagher have all dealt with repercussions from investigations. Even though full disclosure is now a standard business practice, the question still remains.

Bilyana Savic, President

Bilyana SavicPresidentInsurance Insights What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Healthcare: The New International Market

July 9, 2007

Borders are no barrier to affordable healthcare | www.latimes.com

There are two key considerations I think are very indicative of the changing times of American healthcare. First of all, the Consumer Driven Model emerging as the primary vehicle of healthcare insurance. And secondly, the effects on domestic medical costs should this trend continue.

Bilyana Savic, President

Bilyana SavicPresidentInsurance Insights What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Go eletronic or get left behind

July 9, 2007

"Hybrid" medical records an option for some hospitals | www.healthcareitnews.com

In an era of high speed information, it is unfortunate that our heatlhcare providers are lagging behind consumer demand. The transition from paper to eletronic is inevitable for all providers.

Bilyana Savic, President

Bilyana SavicPresidentInsurance Insights What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

changing dynamics of health costs

May 29, 2007

Retail clinics: Accepting the inevitable | www.fiercehealthcare.com

There are a number of new trends emerging in the care and delivery of health needs. One of the most prominent is the rise of retail health clinics. For the first time, Primary Care Physicians, an area traditionally unchallenged is facing competition.

Bilyana Savic, President

Bilyana SavicPresidentInsurance Insights What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

outsourcing - is it cost effective???

May 29, 2007

Insurance Outsourcing Focuses on India | www.insurancejournal.com

Insurers looking for cost cutting programs are interested in outsourcing operations and customer service functions. However, the success rate has been marginal. Outsourcing faces many challenges and will continue to do so until the Indian culture adapts its business models to ones compatible with our insurance practices.

Daniel Buckle, Principal

Daniel BucklePrincipalEmployee Benefit Resources of South Texas What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

PBM's Fail Employers with Mail

May 9, 2007

Comparison of Mail Order with community Pharmacy Cost | www.amcp.org


Mail did not produce higher generic utilization rates or lower costs for employers who hired a PBM to accomplish both.

Daniel Buckle, Principal

Daniel BucklePrincipalEmployee Benefit Resources of South Texas What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Media Smells Blood at Big Pharma

April 2, 2007

Under The Influence | www.cbsnews.com

60 Minutes aired its story last night on the impact of The Pharmaceutical Lobby in writing and passing  Medicare Prescription Drug Plan.

Over the course of the upcoming Presidential campaign  the high cost of prescription drugs will become an issue and spill over into employer plans as well with implications for PBMS and Pharmaceutical Margins.

Daniel Buckle, Principal

Daniel BucklePrincipalEmployee Benefit Resources of South Texas What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Hello Managed Care!

March 28, 2007

Employers Push Health Plans to integrate Onsite Health Centers With Care Management | www.aishealth.com

Edward Deming famous quote comes to mind as I read this mornings Industry Radar about employers pushing health insurers to either run or integrate with the on-site health centers they are either running or planning. hello Health Insurers--the choice is integrate or die. At what point will many of the large managed care carriers realize their large self-funded clients will be walking for vendors capable of fully integrating their services with the strategic direction their efforts to manage health & productivity are taking? Read on


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