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

Description: An update to the 1975-79 report, this time including experience by amounts as well as by lives.

Description: This is an Impairment Study Capture System (ISCS) study of contemporary Diabetes Mellitus mortality among insured lives. The policies were issued at standard or substandard premium rates between 1989 and 2002 policy anniversaries.

Description: Discussion the issues/difficulties associated with setting mortality assumptions for the later durations of life insurance illustrations. Because some UL products incorporate low cost of insurance charges in late durations as part of the current scale in the product design, some conclude that mortality improvement assumptions are being employed in the disciplined current scale, in violation of the Model Illustrations Regulation.

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 Early Duration Claims Survey Subcommittee of the Society's Committee on Life Insurance Mortality & Underwriting Surveys has completed their report on the results of a survey on life insurance claims in early policy durations.

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: We employ a framework for the classification of mortality evolution patterns to HMD data. We find both supra-regional patterns and outliers from global trends.

Description: View the complete issue for the August 2014 Reinsurance News newsletter.

Description: The results of the 2016 Group Term Life Experience Study, which includes experience for policies in force anytime during 2010 through 2013.