Description: Discusses a method to construct an endowment plan which provides for a maturity value greater than face by treating the paid up amount as the sum insured whenever it exceeds face. The formulas for premiums, cash values and amount of insurance are provided.

Description: This paper was prepared to facilitate discussions with the New York State Insurance Department concerning price regulation and the application of minimum loss ratio standards for individual health insurance. From Transactions of Society of Actuaries 1982, Vol. 34.

Description: Provides non-standard methods to determine correct answers to problems in life contingency examinations without necessarily solving the problem. Document includes population problems, problems using special rates of interest, and more.

Description: This document shows you how to set up modeling platforms and start to work with them. Used in conjunction with Complexity Science - An Introduction and Invitiation for Actuaries.

Description: It is well accepted that, for ages 30 and above, human mortality rates increase with age, yet no established graduation method makes direct use of this knowledge. Such a method is offered in this paper.