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  <channel>
    <title>LIMRA Research Podcast</title>
    <link>http://www.limra.com/OutLoud/Research.aspx</link>
    <language>en-us</language>
    <copyright>2008 LIMRA Inc. All Rights Reserved.</copyright>
    <itunes:subtitle>The latest findings from LIMRA</itunes:subtitle>
    <itunes:author>LIMRA</itunes:author>
    <itunes:summary>Gain knowledge and a unique perspective from LIMRA researchers. This channel highlights new studies and provides valuable insight into the benefits of the report — straight from the source. Researchers address points of interest from their studies in a series of episodes that will engage and inform.</itunes:summary>
    <itunes:owner>
      <itunes:name>LIMRA</itunes:name>
      <itunes:email>podcasts@limra.com</itunes:email>
    </itunes:owner>
    <itunes:image>http://www.limra.com/feeds/podcasts/audio/Research/ResearchPodcast_RSS.jpg</itunes:image>
    <itunes:category>Business</itunes:category>
    <item>
      <title>Employee Benefits and Health Care Reform</title>
      <description>Will health care reform have an effect on other employee benefits? LIMRA experts Anita Potter and Jennifer Parmelee-Witt talk about the potential impact of health care reform on the full range of employee benefits, and what companies can do.</description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>Anita Potter and Jennifer Parmelee-Witt on health care reform's potential impact on employee benefits</itunes:subtitle>
      <itunes:summary>Will health care reform have an effect on other employee benefits? LIMRA experts Anita Potter and Jennifer Parmelee-Witt talk about the potential impact of health care reform on the full range of employee benefits, and what companies can do.</itunes:summary>
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      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_11_18.mp3</guid>
      <pubDate>Wed, 18 Nov 2009 00:00:00 EST</pubDate>
      <itunes:duration>16:02</itunes:duration>
      <itunes:keywords>reform, "health care"</itunes:keywords>
    </item>
    <item>
      <title>The New Normal – Myth or Reality?</title>
      <description>Will the world be different after the current recession is over? Will we have what some call a “new normal?” LIMRA research expert Jim Mitchel talks about the arguments both for and against major change in consumer attitudes.</description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>Will the world be different after the recession?</itunes:subtitle>
      <itunes:summary>Will the world be different after the current recession is over? Will we have what some call a “new normal?” LIMRA research expert Jim Mitchel talks about the arguments both for and against major change in consumer attitudes.</itunes:summary>
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      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_10_8.mp3</guid>
      <pubDate>Thu, 8 Oct 2009 00:00:00 EST</pubDate>
      <itunes:duration>13:12</itunes:duration>
      <itunes:keywords>consumer</itunes:keywords>
    </item>
    <item>
      <title>Forces of Change</title>
      <description>Trends in distribution in the life insurance and financial industry are the subject of this interview with Lucian Lombardi, LIMRA vice president and head of Distribution Research. Lombardi discusses findings released in recent research, titled Forces of Change – Issues Facing Distribution Leaders.</description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>Lombardi discusses findings released in recent research</itunes:subtitle>
      <itunes:summary>Trends in distribution in the life insurance and financial industry are the subject of this interview with Lucian Lombardi, LIMRA vice president and head of Distribution Research. Lombardi discusses findings released in recent research, titled Forces of Change – Issues Facing Distribution Leaders.</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_8_28.mp3" length="14365364" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_8_28.mp3</guid>
      <pubDate>Fri, 28 Aug 2009 00:00:00 EST</pubDate>
      <itunes:duration>29:56</itunes:duration>
      <itunes:keywords>life insurance, financial industry</itunes:keywords>
    </item>
    <item>
      <title>The New Reality</title>
      <description>LIMRA’s Anita Potter talks about new research on the changing face of the consumer in the 21st Century, and what insurance and financial companies and distributors need to do in order to educate consumers and successfully market products.</description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>The changing face of the consumer in the 21st Century</itunes:subtitle>
      <itunes:summary>LIMRA’s Anita Potter talks about new research on the changing face of the consumer in the 21st Century, and what insurance and financial companies and distributors need to do in order to educate consumers and successfully market products.</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_8_5.mp3" length="10476254" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_8_5.mp3</guid>
      <pubDate>Wed, 5 Aug 2009 00:00:00 EST</pubDate>
      <itunes:duration>20:49</itunes:duration>
      <itunes:keywords>consumer, research</itunes:keywords>
    </item>
    <item>
      <title>Retirement Income Trade-offs, Implications for Product Development</title>
      <description>Marie Rice, vice president and director of LIMRA’s Retirement Research, discusses the results of a recent retirement income consumer survey and shares the surprising findings on what drives consumers’ choices when it comes to buying a retirement income product.  </description>
      <itunes:author>Catherine Theroux</itunes:author>
      <itunes:subtitle>Marie Rice on consumers' choices in retirement income products</itunes:subtitle>
      <itunes:summary>Marie Rice, vice president and director of LIMRA’s Retirement Research, discusses the results of a recent retirement income consumer survey and shares the surprising findings on what drives consumers’ choices when it comes to buying a retirement income product.  </itunes:summary>
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      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_7_21.mp3</guid>
      <pubDate>Tue, 21 Jul 2009 00:00:00 EST</pubDate>
      <itunes:duration>13:11</itunes:duration>
      <itunes:keywords>retirement</itunes:keywords>
    </item>
    <item>
      <title>Rules of Engagement</title>
      <description>Scott Kallenbach of LIMRA’s Strategic Research team talks about the important public policy changes coming along as Congress and regulators look at the new financial world emerging from the chaos of 2008.</description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>Scott Kallenbach on the new financial world emerging from the chaos of 2008</itunes:subtitle>
      <itunes:summary>Scott Kallenbach of LIMRA’s Strategic Research team talks about the important public policy changes coming along as Congress and regulators look at the new financial world emerging from the chaos of 2008.</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_7_7.mp3" length="8352812" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_7_7.mp3</guid>
      <pubDate>Tue, 7 Jul 2009 00:00:00 EST</pubDate>
      <itunes:duration>17:54</itunes:duration>
      <itunes:keywords>financial</itunes:keywords>
    </item>
    <item>
      <title>The Case of the Disappearing Customers</title>
      <description>LIMRA research analyst Ron Neyer tells about customers who “disappeared” during the direct marketing process and how solved the mystery of their absence. He is joined by LIMRA research head Bob Baranoff.</description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>Ron Neyer on the sudden dearth of customers from the direct marketing process</itunes:subtitle>
      <itunes:summary>LIMRA research analyst Ron Neyer tells about customers who “disappeared” during the direct marketing process and how solved the mystery of their absence. He is joined by LIMRA research head Bob Baranoff.</itunes:summary>
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      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_6_30.mp3</guid>
      <pubDate>Tue, 30 Jun 2009 00:00:00 EST</pubDate>
      <itunes:duration>11:50</itunes:duration>
      <itunes:keywords>marketing</itunes:keywords>
    </item>
    <item>
      <title>Employee Benefits in Uncertain Times</title>
      <description>LIMRA analysts Anita Potter and Jennifer Parmelee-Witt talk about the outlook for employee benefits in light of changing and difficult economic conditions. Their research shows continued commitment among employers and employees to offering and using benefits.</description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>Anita Potter and Jennifer Parmelee-Witt on the outlook for employee benefits</itunes:subtitle>
      <itunes:summary>LIMRA analysts Anita Potter and Jennifer Parmelee-Witt talk about the outlook for employee benefits in light of changing and difficult economic conditions. Their research shows continued commitment among employers and employees to offering and using benefits.</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_5_26.mp3" length="5122197" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_5_26.mp3</guid>
      <pubDate>Tue, 26 May 2009 00:00:00 EST</pubDate>
      <itunes:duration>10:40</itunes:duration>
      <itunes:keywords />
    </item>
    <item>
      <title>Busting the Liquidity Myth</title>
      <description>LIMRA Retirement Research expert Matt Drinkwater, Ph.D., studied the impact of annuitization on liquidity in a portfolio. He learned that, contrary to what many believe, liquidity improves when part of a portfolio is put into an annuity that produces retirement income.</description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>Matt Drinkwater on the impact of annuitization on liquidity </itunes:subtitle>
      <itunes:summary>LIMRA Retirement Research expert Matt Drinkwater, Ph.D., studied the impact of annuitization on liquidity in a portfolio. He learned that, contrary to what many believe, liquidity improves when part of a portfolio is put into an annuity that produces retirement income.</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_5_14.mp3" length="3912623" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_5_14.mp3</guid>
      <pubDate>Thu, 14 May 2009 00:00:00 EST</pubDate>
      <itunes:duration>8:09</itunes:duration>
      <itunes:keywords>retirement</itunes:keywords>
    </item>
    <item>
      <title>Social Media 101</title>
      <description>Thinking Out Loud talks to Todd Silverhart, Ph.D, LIMRA Corporate Vice President and Director of Technology in Marketing and Distribution Research about the differences between traditional and social media. Silverhart describes how leading financial service companies are utilizing these new tools and outlines some emerging best practices.</description>
      <itunes:author>Todd Silverhart</itunes:author>
      <itunes:subtitle>Todd Silverhart on traditional and social media</itunes:subtitle>
      <itunes:summary>Thinking Out Loud talks to Todd Silverhart, Ph.D, LIMRA Corporate Vice President and Director of Technology in Marketing and Distribution Research about the differences between traditional and social media. Silverhart describes how leading financial service companies are utilizing these new tools and outlines some emerging best practices.</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_4_14.mp3" length="5695637" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_4_14.mp3</guid>
      <pubDate>Tue, 14 Apr 2009 00:00:00 EST</pubDate>
      <itunes:duration>11:52</itunes:duration>
      <itunes:keywords>social media, marketing, research, limra</itunes:keywords>
    </item>
    <item>
      <title>2008 Annuity Sales Results</title>
      <description>LIMRA’s annuity research director Joe Montminy talks about annuity sales results for 2008. Overall sales were up three percent, variable sales were down, while fixed annuity sales skyrocketed. </description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>Joe Montminy says overall sales are up</itunes:subtitle>
      <itunes:summary>LIMRA’s annuity research director Joe Montminy talks about annuity sales results for 2008. Overall sales were up three percent, variable sales were down, while fixed annuity sales skyrocketed. </itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_4_6.mp3" length="4735585" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_4_6.mp3</guid>
      <pubDate>Tue, 17 Mar 2009 00:00:00 EST</pubDate>
      <itunes:duration>9:52</itunes:duration>
      <itunes:keywords>annuities, LIMRA, 2008</itunes:keywords>
    </item>
    <item>
      <title>Generations X and Y</title>
      <description>As the baby boomers wind into retirement, the following generations, X and Y, are emerging as a powerful and important market for financial services. But they have different needs and attitudes than their boomer parents, and technology is a key part of their lifestyle. LIMRA researchers Nilufer Ahmed, Ph.D., and Mary Art, talk about the new generations.</description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>Nilufer Ahmed and Mary Art on post-boomer generations</itunes:subtitle>
      <itunes:summary>As the baby boomers wind into retirement, the following generations, X and Y, are emerging as a powerful and important market for financial services. But they have different needs and attitudes than their boomer parents, and technology is a key part of their lifestyle. LIMRA researchers Nilufer Ahmed, Ph.D., and Mary Art, talk about the new generations.</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_3_4.mp3" length="3478363" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_3_4.mp3</guid>
      <pubDate>Wed, 4 Mar 2009 00:00:00 EST</pubDate>
      <itunes:duration>7:15</itunes:duration>
      <itunes:keywords>marketing, financial services</itunes:keywords>
    </item>
    <item>
      <title>Recognition Conferences Get a Closer Look</title>
      <description>With the need to cut costs, and negative publicity in the air, companies are looking at their recognition events. LIMRA’s Tom Spinelli, project director in distribution research, surveyed member companies about their plans for recognition conferences in 2009 and 2010.</description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>Tom Spinelli on adjustments for member companies' upcoming recognition conferences</itunes:subtitle>
      <itunes:summary>With the need to cut costs, and negative publicity in the air, companies are looking at their recognition events. LIMRA’s Tom Spinelli, project director in distribution research, surveyed member companies about their plans for recognition conferences in 2009 and 2010.</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_2_17.mp3" length="4071656" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_2_17.mp3</guid>
      <pubDate>Tue, 17 Feb 2009 00:00:00 EST</pubDate>
      <itunes:duration>8:29</itunes:duration>
      <itunes:keywords>recognition, conferences, events</itunes:keywords>
    </item>
    <item>
      <title>Forces of Change in Distribution</title>
      <description>Thinking Out Loud talks to Pat Leary in LIMRA’s Distribution Research Center about a new, joint research initiative with McKinsey and Company. Pat talks about industry trends and challenges and how companies need to adapt to a changed economic environment.</description>
      <itunes:author>Cora Hall</itunes:author>
      <itunes:subtitle>A new collaboration with McKinsey and Company</itunes:subtitle>
      <itunes:summary>Thinking Out Loud talks to Pat Leary in LIMRA’s Distribution Research Center about a new, joint research initiative with McKinsey and Company. Pat talks about industry trends and challenges and how companies need to adapt to a changed economic environment.</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_2_3.mp3" length="14949044" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_2_3.mp3</guid>
      <pubDate>Tue, 3 Feb 2009 00:00:00 EST</pubDate>
      <itunes:duration>10:04</itunes:duration>
      <itunes:keywords>distribution research mckinsey</itunes:keywords>
    </item>
    <item>
      <title>Worksite Marketing from the Inside Out</title>
      <description>LIMRA’s worksite analyst Ron Neyer and Walter Podgurski, head of the Workplace Benefits Association, talk about the worksite market and how worksite professionals see it today, as well as what the future might bring.</description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>Worksite market and worksite professionals talking about today's issues</itunes:subtitle>
      <itunes:summary>LIMRA’s worksite analyst Ron Neyer and Walter Podgurski, head of the Workplace Benefits Association, talk about the worksite market and how worksite professionals see it today, as well as what the future might bring.</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_1_20.mp3" length="8755516" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_1_20.mp3</guid>
      <pubDate>Tue, 20 Jan 2009 00:00:00 EST</pubDate>
      <itunes:duration>18:14</itunes:duration>
      <itunes:keywords>worksite, Ron Neyer, LIMRA, Workplace Benefits Association, Research, professionals</itunes:keywords>
    </item>
    <item>
      <title>LIMRA Research in 2009</title>
      <description>LIMRA’s head of research, Bob Baranoff, talks about how LIMRA research has evolved over the years to meet changing company needs, and gives a preview of the highlights of important research projects coming out in 2009.</description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>Highlights of Upcoming Research Studies</itunes:subtitle>
      <itunes:summary>LIMRA’s head of research, Bob Baranoff, talks about how LIMRA research has evolved over the years to meet changing company needs, and gives a preview of the highlights of important research projects coming out in 2009.</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_1_7.mp3" length="10469776" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2009_1_7.mp3</guid>
      <pubDate>Wed, 7 Jan 2009 00:00:00 EST</pubDate>
      <itunes:duration>15:00</itunes:duration>
      <itunes:keywords>LIMRA, research, Baranoff, 2009 projections, financial services</itunes:keywords>
    </item>
    <item>
      <title>LIMRA’s Market Maturity Model</title>
      <description>Thinking Out Loud talks with Jennifer Berlin, head of LIMRA’s International Research unit, about the Market Maturity Model. This is a model that identifies different phases that a financial services market goes through, especially in emerging economies around the world.</description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>A description of the phases financial services markets experience in emerging economies</itunes:subtitle>
      <itunes:summary>Thinking Out Loud talks with Jennifer Berlin, head of LIMRA’s International Research unit, about the Market Maturity Model. This is a model that identifies different phases that a financial services market goes through, especially in emerging economies around the world.</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2008_12_22.mp3" length="11432754" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2008_12_22.mp3</guid>
      <pubDate>Tue, 23 Dec 2008 00:00:00 EST</pubDate>
      <itunes:duration>11:54</itunes:duration>
      <itunes:keywords>financial services emerging market model</itunes:keywords>
    </item>
    <item>
      <title>Inside the Economic Crisis</title>
      <description>A panel of LIMRA experts looks at the results of consumer and producer research conducted during October, at the height of the financial crisis. In addition to pessimism and mistrust, they see hope for the future and possible opportunities</description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>Consumer and producer research from October 2009</itunes:subtitle>
      <itunes:summary>A panel of LIMRA experts looks at the results of consumer and producer research conducted during October, at the height of the financial crisis. In addition to pessimism and mistrust, they see hope for the future and possible opportunities</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2008_12_2.mp3" length="14867751" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2008_12_2.mp3</guid>
      <pubDate>Tue, 2 Dec 2008 00:00:00 EST</pubDate>
      <itunes:duration>30:58</itunes:duration>
      <itunes:keywords>LIMRA, research, financial, economic, crisis, consumers, producers, insurance</itunes:keywords>
    </item>
    <item>
      <title>What Producers Value</title>
      <description>Distribution research analyst Denise Marvel talks with Cora Hall about the results of the latest producer panel survey on what producers value in their relationships with companies. Competitive products remain extremely important. Producers also want other kinds of support, such as lead generation, service support and a sense of urgency in dealing with requests.</description>
      <itunes:author>Cora Hall</itunes:author>
      <itunes:subtitle>Denise Marvel about what producers value in their relationships with companies</itunes:subtitle>
      <itunes:summary>Distribution research analyst Denise Marvel talks with Cora Hall about the results of the latest producer panel survey on what producers value in their relationships with companies. Competitive products remain extremely important. Producers also want other kinds of support, such as lead generation, service support and a sense of urgency in dealing with requests.</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2008_11_18.mp3" length="12957469" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2008_11_18.mp3</guid>
      <pubDate>Tue, 18 Nov 2008 00:00:00 EST</pubDate>
      <itunes:duration>9:00</itunes:duration>
      <itunes:keywords>sellers agents producers independent insurance sales relationships value</itunes:keywords>
    </item>
    <item>
      <title>Banks Sell Life Insurance? Who knew?</title>
      <description>LIMRA research manager Pat Leary talks about a new report on consumer knowledge and interest in purchasing life insurance through banks. He says more education is needed to raise consumer awareness.</description>
      <itunes:author>Cora Hall</itunes:author>
      <itunes:subtitle>Pat Leary on consumer knowledge of life insurance offerings from banks.</itunes:subtitle>
      <itunes:summary>LIMRA research manager Pat Leary talks about a new report on consumer knowledge and interest in purchasing life insurance through banks. He says more education is needed to raise consumer awareness.</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2008_11_4.mp3" length="14949044" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2008_11_4.mp3</guid>
      <pubDate>Tue, 4 Nov 2008 00:00:00 EST</pubDate>
      <itunes:duration>15:34</itunes:duration>
      <itunes:keywords>life insurance consumers knowledge marketing awareness</itunes:keywords>
    </item>
    <item>
      <title>Canadians: Ready to Retire?</title>
      <description>LIMRA’s Shawn Flynn and Stephanie Nickson of SunLife find that many Canadians are not well-prepared for looming retirement. They talk about the need for more saving and how insurance companies can help with education, as well as products and services.</description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>Shawn Flynn and Stephanie Nickson on the need for more saving and how insurance companies can help. </itunes:subtitle>
      <itunes:summary>LIMRA’s Shawn Flynn and Stephanie Nickson of SunLife find that many Canadians are not well-prepared for looming retirement. They talk about the need for more saving and how insurance companies can help with education, as well as products and services.</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2008_10_21.mp3" length="13786282" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2008_10_21.mp3</guid>
      <pubDate>Tue, 21 Oct 2008 00:00:00 EST</pubDate>
      <itunes:duration>7:11</itunes:duration>
      <itunes:keywords>Canada retirement investment insurance</itunes:keywords>
    </item>
    <item>
      <title>Bancassurance in Asia, Part Two</title>
      <description>This podcast features International Research Analyst Lori Chester talking about bancassurance practices in Japan, China, India and Malaysia, and what has been successful.</description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>Comparing bancassurance in four Asian countries</itunes:subtitle>
      <itunes:summary>This podcast features International Research Analyst Lori Chester talking about bancassurance practices in Japan, China, India and Malaysia, and what has been successful.</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2008_10_7.mp3" length="11726579" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2008_10_7.mp3</guid>
      <pubDate>Tue, 7 Oct 2008 00:00:00 EST</pubDate>
      <itunes:duration>6:06</itunes:duration>
      <itunes:keywords>bancassurance asia Lori Chester insurance insurers</itunes:keywords>
    </item>
    <item>
      <title>Bancassurance in Asia, Part One</title>
      <description>This podcast features International Research Analyst Lori Chester talking about the working relationship between banks and insurers, including the division of labor, first-year commission rates and training in the Asia bancassurance industry.</description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>An overview of bancassurance operations in Asia</itunes:subtitle>
      <itunes:summary>This podcast features International Research Analyst Lori Chester talking about the working relationship between banks and insurers, including the division of labor, first-year commission rates and training in the Asia bancassurance industry.</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2008_9_25.mp3" length="8006127" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2008_9_25.mp3</guid>
      <pubDate>Thu, 25 Sep 2008 00:00:00 EST</pubDate>
      <itunes:duration>8:20</itunes:duration>
      <itunes:keywords>bancassurance asia Lori Chester insurance insurers</itunes:keywords>
    </item>
    <item>
      <title>The Timing of Retirement	</title>
      <description>Sally Bryck of LIMRA’s retirement research team talks about how people decide when they are going to retire, and how they prepare – or fail to prepare – for the big step. For many people, retirement comes sooner than they expected, sometimes due to ill health or other problems, and sometimes because they feel ready.</description>
      <itunes:author>Howard Drescher</itunes:author>
      <itunes:subtitle>Sally Bryck on why people retire when they do.</itunes:subtitle>
      <itunes:summary>Sally Bryck of LIMRA’s retirement research team talks about how people decide when they are going to retire, and how they prepare – or fail to prepare – for the big step. For many people, retirement comes sooner than they expected, sometimes due to ill health or other problems, and sometimes because they feel ready.</itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2008_9_8.mp3" length="6183186" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2008_9_8.mp3</guid>
      <pubDate>Mon, 8 Sep 2008 00:00:00 EST</pubDate>
      <itunes:duration>6:26</itunes:duration>
      <itunes:keywords>Retirement LIMRA "Financial Services" Research</itunes:keywords>
    </item>
    <item>
      <title>What you need to know about e-marketing.</title>
      <description>Betsy Schwarz of LIMRA's markets and technology research team, talks about the promise and pitfalls of using new Internet tools to market financial services through e-marketing. By following the rules of interactivity, marketers can use the Internet strategically to build trust and understanding with customers. </description>
      <itunes:author>Betsy Schwarz</itunes:author>
      <itunes:subtitle>Using new Internet tools to market financial services through e-marketing.</itunes:subtitle>
      <itunes:summary>Betsy Schwarz of LIMRA's markets and technology research team, talks about the promise and pitfalls of using new Internet tools to market financial services through e-marketing. By following the rules of interactivity, marketers can use the Internet strategically to build trust and understanding with customers. </itunes:summary>
      <enclosure url="http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2008_8_27.mp3" length="9543160" type="audio/mpeg" />
      <guid>http://www.limra.com/feeds/podcasts/audio/Research/LIMRAResearch_2008_8_27.mp3</guid>
      <pubDate>Tue, 2 Sep 2008 00:00:00 EST</pubDate>
      <itunes:duration>3</itunes:duration>
      <itunes:keywords>marketing, e-marketing, interactivity</itunes:keywords>
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