A survey of life insurance CFOs conducted by the Tillinghast division of Towers Perrin revealed that significant changes in insurance distribution are likely.In March, the Stamford, Conn.-based services firm asked more than 70 executives about the issues underlying distribution and remuneration concerns.

Tillinghast asserts the changes are the result of recent regulatory inquiries and the effects of the National Association of Insurance Commissioners' broker disclosure model amendment.

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