This session will cover three topics, centenarians, alzheimer’s and brain trauma and morbidity.

Presentation from the SOA 09 Annual Meeting moderated by Ms. Heijde describe a model of anti-selection and optimal pricing of individual and small group health insurance policies. Slides provide some rather rich content on loss ratios, individual vs. group market differences, and graphically represented claim costs by age.

Presentation from the SOA 09 Annual Meeting moderated by Ms. Heijde describe a model of anti-selection and optimal pricing of individual and small group health insurance policies. Slides provide some rather rich content on loss ratios, individual vs. group market differences, and graphically represented claim costs by age.

The Health Section of the SOA has sponsored a wide variety of research recently, part of ongoing efforts to support innovation within the profession. In this session, results from two recent projects will be discussed: the study of aging curves based on data from the Health Care Cost Institute; and research into the quantification of uncertainty in claim-based risk assessment.

With health care reform requiring unlimited benefits, many insurers are either seeking reinsurance or looking for assistance in pricing this benefit. This session will discuss what data is currently available and what the problems are with using prior claims data, which consists of limited benefits. We will also discuss what the realistic limits are of a large claim, how we determine trends and future expectations.

Report of the Task Force to Recommend Morbidity Standards for Valuation of Credit Disability. The key recommendation was that a new morbidity standard for valuation of policy reserves be adopted based on the tables developed by the Task Force. The tables are developed from the 85CIDA tables with incidence rates increased by 12%.

This session will explore new techniques being used in the analysis of mortality improvement trends, including the use of two-dimensional tables such as the CMI model developed in the United Kingdom. The session will also provide details about Scale BB’s construction and discuss RPEC's plans for the near future.

This paper presents an approach to analyzing continuing care retirement community CCRC data and demonstrates the methodology by using data from a CCRC. It models the resident's transitions among states and estimates intensity functions for transitions among such states.

This session will cover three topics: -Centenarians – Ongoing scientific research into groups of Centenarians. How do they differ from the general population? Are there basic genetic or lifestyle differences that might be deciphered and applied to prolong the human lifespan? -Alzheimer’s and Brain Trauma– Theimportance of AD; why it is growing as a cause of death; and how it will impact mortality improvement at older ages. What is the cause of death for people with Alzheimer’s? Does brain trauma cause Alzheimer’s? -Morbidity– How medical advances are impacting morbidity. New technology has led to increased screening and disease detection. Clinical doctors are also changing the way diseases are defined affecting disease incidence rates and disability risk. New treatments also come at a cost. These issues have relevance to health products and other living benefits such as critical illness,

This SOA report provides an overview and analysis of the mortality models, theories and trends contained in the papers presented at the past four international Living to 100 symposia.