Description: A description of the operation of an R package for experience studies. Premium patterns, lapse rates, and mortality rates can be calculated.

Description: Accelerated underwriting programs continue to evolve at a rapid pace. Triage systems have become a key element in many of the newer accelerated underwriting programs in the market. Depending on the criteria used at the triage point, these programs can have residual effects on class prevalence and mortality which in turn affect the profitability of these programs. In this article we will explore some potential impacts on mortality and prevalence within these programs.

Description: This article provides a very high level overview of accelerated underwriting programs and their history in the US marketplace. It then discusses setting up an actuarial control cycle for such products and some items related to risk management that are helpful in this setting. Pros and cons of retrospective studies, random holdouts, targeted holdouts and post issue analysis are discussed. A mathematical example of how to estimate the mortality impact of such programs from early emerging experience is provided.

Description: The article highlights the key components of the PBR resource manual and analyze its implications for companies' assumption management practice.

Description: What is a "super" model? How do we develop, maintain, and visualize them? What is the difference between models and assumptions? Most importantly, how can we use all of this to quantifiably improve risk management?