Description: Using the Cox proportional Hazards Model to improve underwriting debits and credits.

Description: Discussion of a direct writer survey and a reinsurer survey conducted in the fall of 2002 by the Society of Actuaries. The surveys asked a number of questions about underwriting criteria needed to qualify for preferred risk. They also asked questions about the percentage of issues in each underwriting category and the mortality assumptions for the different categories.

Description: A discussion of the Society of Actuaries study of Mortality Under Standard Individually Underwritten Life Insurance Between 1995 and 1996 Policy Anniversaries.”

Description: This article provides a very high level overview of accelerated underwriting programs and their history in the US marketplace. It then discusses setting up an actuarial control cycle for such products and some items related to risk management that are helpful in this setting. Pros and cons of retrospective studies, random holdouts, targeted holdouts and post issue analysis are discussed. A mathematical example of how to estimate the mortality impact of such programs from early emerging experience is provided.

Description: In this paper the authors discuss the official decennial Unites States Life Tables for 1979-81, presenting age-specific mortality rates and expectations of life. Mortality trends are examined going back to the first decennial tables published at the beginning of the century, and brief comparisons with mortality in other industrialized countries are made. The paper includes written discussion. From the 1985 Transactions Vol. 37.

Description: Accelerated underwriting programs continue to evolve at a rapid pace. Triage systems have become a key element in many of the newer accelerated underwriting programs in the market. Depending on the criteria used at the triage point, these programs can have residual effects on class prevalence and mortality which in turn affect the profitability of these programs. In this article we will explore some potential impacts on mortality and prevalence within these programs.

Description: Higlights from the 1977 volume of TSA Reports, including Standard Ordinary mortality ratios, an intercompany study of accidental death benefit experience, and reports from the committees on various lines of insurance.

Description: The author discusses arguments for the appropriate methods for determining exposure and mortality rates, quoting the actuarial literature back to 1898. From ‘The Actuary’ Volume 15, No. 3.

Description: Highlights of the International Experience Study (IES), a joint research venture of the SOA’s International Section and Research Department, the International Actuarial Association, local actuarial associations and corporate sponsors to provide actuaries around the world with practical experience information in emerging markets.

Description: Expanding channels and datasets to understand our policyholders