This report on the changing nature of work examines developing issues and potential changes in the world of work relevant to life insurance company management. The main body of the report is divided into three sections. Topics covered in the first section are demography, women, minorities, the young worker, and blurring work roles. Challenges to management, expectations of supervisors, interface with the environment, individual rights, contract employment, and worker response to new management philosophies are discussed in section 2. In section 3, which deals with the work context, alternative work schedules, preparation for work, and technology and the workplace are described. Two scenarios (for work in the year 1998), attempting to provide credible paths to alternative futures, are presented. A fourth section summarizes the implications of these trends for life and health insurance company management. Topics dealt with in this section are life insurance personnel, management, marketing/sales, the agent, disability, and new products and practices. Capsulized descriptions of four other issues relating to criminal behavior and health care are given in a final section. A bibliography follows. (A related report entitled "Power and Decisions: Institutions in an Information Era" is available separately through ERIC--see note.) (MN)