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  • Report on the Conversion Experience Study for Level Premium Term Plans
    with a particular focus on conversion rates and mortality experience of term to permanent converted policies ... policies. Conversion experience;term life;mortality impact;policyholder behavior 6442468886 6/7/2016 ...

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    • Authors: Lindsay Meisinger, Hezhong Ma, Donna Christine Megregian, Kyle Proebsting
    • Date: Jun 2016
    • Competency: External Forces & Industry Knowledge
    • Topics: Life Insurance
  • Term Conversions – Pricing and Reserves
    yearly renewable term rates follow point-in-scale mortality (PISM). Since there is no prefunding for conversions ... Plans” (SOA Conversion Experience Report), the mortality experience of converted permanent policies can ...

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    • Authors: Hezhong Ma
    • Date: Mar 2017
    • Competency: Technical Skills & Analytical Problem Solving>Problem analysis and definition; Technical Skills & Analytical Problem Solving>Process and technique refinement
    • Publication Name: Reinsurance News
    • Topics: Life Insurance>Term life; Life Insurance>Whole life
  • Term Conversions: Pricing and Reserves
    By Hezhong (Mark) Ma Most term products in the U.S. offer policyholders the option of conversion to ... renewable term (YRT) rates follow point-in-scale mortality (PISM). Since there is no prefunding for conversions ...

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    • Authors: Hezhong Ma
    • Date: Mar 2017
    • Competency: Professional Values>Practice expertise; Technical Skills & Analytical Problem Solving>Problem analysis and definition
    • Publication Name: Product Matters!
  • Substitute One Mis-impression
    Substitute One Mis-impression The authors take a deeper look at the long-standing motto of ... the obvious ‘big three’ study note topics of mortality, interest and expenses. Our mod- els do an excellent ...

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    • Authors: David Snell, Hezhong Ma
    • Date: Nov 2012
    • Competency: Leadership>Thought leadership; Strategic Insight and Integration>Big picture view; Technical Skills & Analytical Problem Solving>Incorporate risk management
    • Publication Name: Actuary of the Future
    • Topics: Actuarial Profession; Pensions & Retirement>Risk management
  • Interested in Being Interest- Sensitive?
    Interested in Being Interest- Sensitive? Both claim inflation rate and yield drive the loss ratio ... inflation protection. Proprietary morbidity, mortality and lapse assump- tions are used. Each policy ...

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    • Authors: Hezhong Ma
    • Date: Dec 2014
    • Publication Name: Long-Term Care News