Description: A discussion on using the Cox Proportional Hazards Model in developing a predictive underwriting model that produces a mortality multiplier for each individual.

Description: A discussion about how many models can address the over fitting issues caused by too many variables by regularization, variable selection is still meaningful.

Description: An introduction of predictive modeling techniques that are applicable to insurance industry, including generalized linear model (GLM) and classification and regression tree model(CART). Other models such as data clustering, neural network, and support vector machine (SVM), are also briefly discussed.