This savings opportunity comes from Clerical Medical - one of the country's leading life offices.
The actuarial profession traces its origins back to 1762, with the establishment of the first life office to run on scientific principles.
The life offices, for their part, saw the brokers, their traditional distribution agents, vanishing.
At the same time, he suspects, life offices did not realise how tough regulation would be.
For the life office it was an embarrassing incident.
Lautro's proposed rules, by increasing the financial penalties on life offices, may have some effect in improving standards.
The spiritual life office also awards Credits for students who participate in church or university sponsored mission trips.
A bankassurer is the life office of a bank offering life assurance and pensions products to retail customers.
It claims to rank among the 20 largest mutual life offices in the world.
According to the university's Greek life office, the fraternity has 96 members.
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