Description: This report studies the interrelationships between the general levels of unemployment in the economy and the sale and persistency of insurance products. The report explores whether insurance products have reduced sales and persistency as the level of unemployment increased in a given economic environment.

Description: The 2020 ERISA Advisory Council of the Department of Labor had a project on Considerations for Recognizing and Addressing Participants with Diminished Capacity. I delivered testimony to the ERSIA Advisory Council on this topic in September 2020. This article summarizes some key points from the testimony and also offers ideas for how employers can help employees and retirees deal with these issues. There are two different audiences that employers deal with as a result of diminished capacity – the individuals whose capacity is diminished, and those who help them.

Description: This abstract describes a paper that proposes a stochastic population structure model based on the Leslie matrix, in which a Lee-Carter model framework is used to describe the future mortality and fertility changes.

Description: The author's conclusion is that retirees focus should not be investment strategy or withdrawal rate but cash flow. From the 2011 Enterprise Risk Management Symposium, March 2011.

Description: This is the report on the findings of the January 2002 retirement risk survey. The purpose of the study was to evaluate American's awareness of possible financial risks and how this awareness impacts the management of their finances with respect to retirement.