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Beyond Actual to Table: Models in Experience Studies

Traditional life experience studies show actual claims as a ratio of a reference table. Despite the issue that mixing heterogeneous segments can distort results, segments are typically aggregated to gain a larger volume of experience.  This paper demonstrates an approach to addressing the issue by modeling experience, and then interpreting the model and residual errors instead of actual / table ratios alone.

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Beyond Actual to Table: Models in Experience Studies

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