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The online discussion forum has emerged as the medium of choice for many Americans. Most recently, forum platforms like vBulletin, Infopop, and Snitz

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

have enabled the novice webmaster to host and moderate their own forum. One of the areas that needs this type of medium the most is the Insurance an

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

Financial Industry.

To give you a little background, the online discussion forum is an updated version of the old bulletin board of the nineties. M

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

mbers can join, post, and browse topics at will. Free speech and a candid mood makes it all the more enjoyable. Some discussion forums even allow me

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

bers to chat amongst themselves (is it a chick or a pea?) in private areas or send "PMs" (private messages) to each other if they do not want to share

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

it among the other members of the forum. The thing that makes these more modern forums better is the fact that new posts and replies to posts are imm

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

ediately sent to the subscribers email inbox.

So why is this good for the Insurance and Financial Advisor Industry? Well, there are several reasons.

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

One is the fact that people out there need answers but are often intimidated by Insurance consultants and the like. Clients often do not want to be

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

olicited to as a result of their simple curiosity...but they still need answers to critical and often confusing Insurance and Financial Related topics

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

Take the Life Insurance Buyer for instance. Often times, they get on the internet, compare quotes and rates for term life insurance, whole life ins

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

rance, or universal life insurance only to get more confused. These clients need a way to communicate on an impartial, and perhaps anonymous basis wi

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

th a professional who can help. What fuels the fire is the idea that these "window shoppers" may turn into clients for those Industry Professionals w

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

o earn that client's business through helpful assistance.

The other half of the public that participates in the forum format is the Insurance Agent o

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

Financial Advisor. These members will answer questions posted at large to the forum and help the client with their questions. Insurance Agents and

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

inancial Advisors (such as Bankers, Investment Brokers, and Mortgage Brokers) can also share information amongst themselves.

All the while, this onli

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

e discussion format creates a virtual database of information ranging from investment issues, to health insurance issues, to life insurance issues. T

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

he forums are "searchable" and open for all to view and make use of.

Lastly, a benefit of these online discussion forums for insurance and financial

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

dvisors is the idea that members (and guests) can advertise their service. Advertising on a forum comes in the forum of "links" to the member's websi

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

e, hyperlinks to their email address, and paid advertising links and banners that can be prominently placed by the host of the forum.

So if you ever

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

ave the need to discuss your insurance, financial, or investing situation, look for an online discussion forum - they're becoming increasingly popular

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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