Description: A discussion of funding arrangements that can reduce the costs of providing medical coverage through lower reserves or state tax savings, instead of through cutting benefits.

Description: Investors in the Life Settlements Market have had to rely on simple actual to expected analyses for a quality assesment of life expectancy reports. This article presents an alternative validation methodology, which makes much better use of the available mortality information. Investors can thereby perform their own, statistically conclusive, analyses concerning the life expectancies on which they have based their pricing and management of future cash flows.

Description: Summary of the ReFocus 2018 Conference, jointly sponsored by the American Council of Life Insurers and the SOA.