Description: An interview with Joe Gilmour to share his views on the future innovations in underwriting that will help grow the individual life insurance business.

Description: The paper summarizes results from two doctoral dissertations. The first discusses integration of insurance products with investment products to mitigate the risk of outliving one’s assets. The second discusses modeling and pricing for the longevity risk in the secondary market in insurance, including a provision for adverse deviation PAD.

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

Description: This article discusses gaining a competitive advantage by reducing new-business processing costs using point-of-sale technology.

Description: Discusses what is known about HIV and the prospect of wider availability of life insurance coverage for infected people in Kenya.

Description: The article provides several examples of projects led by actuaries who are applying advanced data analytics and big data to solve industry-specific business problems.

Description: This is an interview with Stephen F. Siegel, Director of Knowledge Engineering at Applied Intelligence Systems, Inc. Mr. Siegel defines what an expert system is, how they are built and their applicability in the life insurance industry.

Description: This article shows how to use a RBF Neural network to predict if a breast tumor is malignant. The network is trained using a genetic algorithm that uses C# multi-threading.

Description: Enhanced or impaired annuities are life annuities underwritten to reflect annuitants' actual mortality. They are not currently prevalent in the U.S. or Canada, where life annuities assume low mortality and are thus unfair for impaired lives. This paper looks at the present annuity marketplace in the United States and Canada. It also reviews the underwriting and marketing of life annuities in the United Kingdom where “enhanced” life annuities are available for a broader cross section of the marketplace. It also reviews the use of P&C risk classification techniques and how they might apply to the annuity marketplace as well as potential legal constraints on broader risk classification for life annuities.

Description: Response to Life Insurance 2020 Foresight – A Call for Essays. An essay stating the author’s vision for the future of the life insurance sector.