Description: Report to explain the uses and limitations of the underwriting criteria score calculator

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

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: Report on follow-up survey conducted in Jul/Aug 2017, which covered accelerated underwriting and predictive analytics.

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

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: Securitization of mortality risks is an alternative risk management tool that may have some advantages over reinsurance. The purpose of this paper is to study mortality-based securities, such as swaps and mortality bonds, and to price the proposed mortality securities. We focus on group life annuity data, although the techniques could be applied to other lines of annuity or life insurance.

Description: By disinformation we mean the inclusion of data that should not be considered in a study. In this paper we discuss a case in which the presence of disinformation was clear, but it was not possible to determine with certainly which records were extraneous.

Description: The Lee and Carter LC method is getting widely adopted for long-run forecasts of age specific mortality rates. That popularity is first due to the model simplicity. Moreover, the LC model has given successful results for various countries e.g. U.S., Chile, G7 countries. However, some difficulties arose when using population data from certain countries such as UK and Australia. In the present paper, the LC model is applied to data from four Nordic countries: Denmark, Finland, Norway and Sweden. The Singular Value Decomposition SVD, the Weighted Least Square WLS and the Maximum Likelihood estimate MLE are used. These approaches give satisfactory results. The appropriate fitting period needs, however, to be well chosen. The properties of the model's parameters are studied using a bootstrap simulation.

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.