In particular, we showed that demand for policy loans that was driven by the ability to borrow at below-market interest rates had been significantly reduced. Carson has also examined the wave of mutual companies changing ownership to stock companies, questioning if the true motivation for such a shift might, in fact, rest in the desire to increase salaries rather than the stated goal to access capital. He continues to probe product and cost issues related to life insurance, and he is intrigued by the whole area of auto salvage policies insurance companies have in place. He hopes others will share his excitement, and consequently he now concentrates on disseminating his work more widely. He increasingly targets newspapers, magazines and journals that consumers might actually keep on their shelves.
Consumers do have legitimate questions and good questions about the products they buy.
They also have a paranoia Carson hopes his work helps to dispel. Consumers pay a high price for ignorance about the insurance product. He is encouraged to see evidence that consumers are, in fact, becoming more sophisticated in their choices and, like his students, taking an active role in their own education about an industry that Carson predicts will always keep him intrigued. As long as I keep students in my mind and the question of how my work will benefit students and how it can benefit consumers, then I will always be motivated and happy about what I do. Such words of wisdom do more than summarize Carson's view of his world.