Description: Discussion of work site mortality— including risk classification and underwriting methodology decisions which affect the appropriate mortality assumptions

Description: Generalized Mortality Table Analysis: Discussion of the search for alternative mortality tables other than the 1975-80 and 1990-95 tables, which may be more appropriate for a particular company or specific products

Description: Discussion of the development of a new Preneed Valuation Mortality Table

Description: Discussion of the Society of Actuaries Report on Mortality Improvement Survey from March 2003 survey from the summer of 2000

Description: Effective risk management of a portfolio demands accurate and succinct models which explain the main risk factors. We look at the various requirements we demand of a model, and find that they can all be met with an import from medical statistics: survival models.

Description: Today, a plethora of tools and approaches exist to develop lifetime projections of long-term care (LTC) business. Within these tools lie two distinct approaches to project mortality; namely, by using assumptions that are applied: (1) to an all-lives exposure base, or (2) separately for disabled- versus active-lives exposure bases. Using disabled versus active mortality allows for more granular modeling of the two different cohorts that exhibit dramatically different mortality. And so, when using an all-lives mortality assumption, is the projection missing important details about the appropriate mortality level? This article seeks to not only answer this question, but also answer how a “traditional” all-lives mortality assumption can be impacted when you introduce a combination of the two modeling techniques into the development of a mortality assumption. To answer these questions, we examined the experience and results developed from one c ompany as an illustrative case study.

Description: This article examines the impact of a changing smoking rate on population-level mortality improvement and the importance of taking this driver into account.

Description: Discussion of how to measure actual to expected mortality experience in the life settlement market.

Description: The article explores the possibility of using the emerging technology for life insurers to build a monitor system for better risk and profitability management.