Description: The differences between select and ultimate insurance mortality are usually explained in terms of: 1. deterioration of a person's physical condition which occurs due to aging, and 2. anti-selection which occurs as some policyholders allow their coverage to lapse [i.e., those policyholders who find their health has become poor keep their coverage, while those who remain healthy discontinue their insurance]. This paper explores the differences in mortality between companies related to the differences in lapse rates of the companies.

Description: These are presentation slides to supplement, Mortality Under Standard Individuality Life Insurance Between 1999–2002 Anniversaries from ARCH, January 2006.

Description: There are many investigations probing the relationship between health outcomes [such as mortality rate, fertility rate] and economic variables [such as rise in income] and other variables [such as level of education, availability of clean water]. Usually, these results are demonstrated using data from countries where economic conditions are improving over time along with health outcomes. This paper studies the links between health risks and the current economic conditions in Mexico where general mortality conditions improved during the period 1980-2000 but income fell.

Description: In this paper the author discusses the use of splines in graduation and offers a possible improvement of the graduation methods used for the English Life Tables. He offers some illustrations of his ideas. From ACTUARIAL RESEARCH CLEARING HOUSE 1980, VOL. 2.

Description: In this paper we shall present our results in terms of the estimation of human mortality rates, but the results carry over to other applications. We shall discuss a Bayesian model that encompasses both graduation [smoothing] and prediction.

Description: The purpose of this paper is to introduce the use of least squares for estimating parameters of mortality curves and discuss the advantages of this method.

Description: Demography is a very exciting subject. With a simple mathematical model, students can project a country's population forward 25, 59, 75 even 100 years. This paper will focus on six ideas from demography. They all can be useful to an actuary, yet none of them would be considered at any length if the actuary didn’t study demography.

Description: The theory underlying the Moving Weighted Average graduation method is restated in the language of linear algebra which provides for an enrichment of the family of formulas. A comparison of the results of applying six members of the family to 100 simulated data sets is provided.

Description: In this paper population mortality rates are used to explore the question of whether a biologically determined maximum age actually exists for the human species. From Actuarial Research Clearing House 1993, VOL. 3.

Description: This is the abstract of the referenced paper which studies the mortality of left-handed baseball players versus that of right-handed players by examining the times and ages of death of more than 6,000 players who died before 1990. From Actuarial Research Clearing House 1994, VOL. 1.