Description: Ways of closing the mortality protection gap, by leveraging some of the new technology, data and analytics to reduce the friction in the buying process.

Description: In recent years, vast amount of data from emerging experiences has helped insurers gain a deeper understanding of their policyholders and the factors driving their behaviors. However, due to limitations in traditional experience study methods, this understanding typically remains at the cohort level. This series of articles proposes a novel machine learning-based model that analyzes and predicts policyholder behaviors at the individual policy level. Policyholder embedding representations are learned using a Recurrent Neural Network (RNN) that takes into account the sequence of historical transactions associated with a policy. Additionally, a Neural Network with a multi-head architecture is trained to predict the policyholder's next action based on the policyholder embedding and other policy attributes. The resulting model offers several advantages over traditional experience studies and assumption-setting methods, including the ability to set policy-level assumptions that improve reserve accuracy, predict multiple behaviors simultaneously while capturing the interrelationships between them, and generate policyholder embedding representations that are useful for segmentation.

Description: We compare two predictive analytics methods - GLM and GBM in terms of predictiveness vs. interpretability.

Description: Feature article discussing the ways artificial intelligence will influence the actuarial field.

Description: Chairperson's column for the May 2019 issue of Predictive Analytics & Futurism.

Description: The article focuses on the use of predictive analytics in the development of experience studies, pros and cons of using predictive analytics versus traditional techniques, and the implications for setting assumptions and improving profitability.

Description: LTC insurers can proactively identify policyholders more likely to go on claim in the near future, and methods to potentially delay or prevent claims, benefiting company and customer.

Description: Feature article describing how exponential technologies will affect the actuarial profession.

Description: Reviewing a text covering multiple statistical modeling topics: e.g., generalized linear models, decision trees, clustering, using the statistical language R.

Description: Actuaries have the opportunity to transform to a new role that utilizes predictive analytics and new data sources such as epigenetics, to better humankind.