Description: In this expository paper several comments are made with respect to the statistical independence of the curtate future lifetime and the fractional part of the future lifetime, both of a general status. In particular, the conditions for independence need to be stated carefully. The last-survivor status is cited as an example. More general assumptions than the uniform distribution of deaths assumption are then considered, together with applications to insurances, annuities, and reserves. Similar results to those under the uniform distribution of deaths assumption are obtained. Brief comments are made with respect to contingent probabilities in multiple lives and multiple decrement theory.

Description: It is obvious that the introduction of a deductible has two major effects. The amount paid for every claim will drop, resulting in a lower claim burden for the insurance company. There will also be a drop in claim frequency, leading to a decrease in claim handling expenses. However, it is by no means obvious how the average claim size changes with the introduction of a deductible. In this paper, we will study this question. First, we derive some theoretical results then apply them to concrete distributions.

Description: Download the papers from the "Managing Retirement Assets Symposium".

Description: This is the Does Migration Result in Mortality Improvement: A Case Study in Taiwan abstract authored by Chih-Kai Chang, Jack C. Yue, and Yen-Wen Chen for Session 3B of the January 13-15, 2020 Living to 100 Symposium in Orlando, Florida.

Description: A collection of essays aimed to gather perspectives, opinions and data on how to advance the state of effective retirement planning to assist individuals, actuaries, financial advisors, employers, and other stakeholders. The goal was to explore ideas and thoughts on identifying current and alternative means of achieving and measuring retirement income adequacy.

Description: This is a paper from the session on Climate Change Effects at the January 15-18, 2023, 2023 Living to 100 Symposium in Orlando, Florida.

Description: This is a paper from the session on the Asia at the January 15-18, 2023, 2023 Living to 100 Symposium in Orlando, Florida.

Description: This is a paper from the session on Migration and Other Factors at the January 15-18, 2023, 2023 Living to 100 Symposium in Orlando, Florida.