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

Description: Feature article describing a simple and ready solution that allows a hedging program to operate effectively without risk of mismatch due to mortality fluctuations.

Description: Investors in the Life Settlements Market have had to rely on simple actual to expected analyses for a quality assesment of life expectancy reports. This article presents an alternative validation methodology, which makes much better use of the available mortality information. Investors can thereby perform their own, statistically conclusive, analyses concerning the life expectancies on which they have based their pricing and management of future cash flows.

Description: As companies implement PBR, this article outlines challenges regarding the treatment of accelerated underwriting under VM-20 and in light of future innovation.

Description: This panel discussion session looked at recent and proposed regulation of life insurance underwriting. Specific topics included: i. Problems with traditional underwriting classifications: privacy, disclosure, anti-discrimination, etc. 2. New and acceptable classifications: smoking, lifestyle, build, blood pressure, finances, etc. 3. Possible transition problems: existing policies, persistency, coordination of previous data with newer classes, etc.

Description: Defines Accelerated Underwriting programs as a transformational trend, and outlines a process for evaluating mortality implications of such programs.

Description: Feature article describing how the Society of Actuaries (SOA) partnered with the Association of Home Office Underwriters (AHOU) and the Canadian Institute of Underwriters to conduct research focused on new medical tests and markers that may have significance and relevance to the life insurance markets to get a sense of where underwriting practices are going in the future.

Description: Discussion of financial underwriting issues and methods for individual life insurance. Followed by discussion papers submitted by several authors

Description: Presented at May 2005 Spring Meeting. Panelists discuss the insuring of the aging population in respect to assessment of the health of the insured and resulting mortality costs.

Description: The authors explain big data and the potential uses of this information, especially as it is beginning to be adopted by the life insurance industry.