Description: The paper presents the history of mortgage guarantee insurance in the US, beginning briefly with the history of banks and banking regulation and ending with implications for the future.

Description: Monograph about how reverse mortgages could supplement income for older homeowners. The results indicate that reverse mortgages may offer substantial benefits but at a high price.

Description: Introduction provides an overview to the monograph: measurement and history of the sex mortality differential, the differential in relation to various groupings, hypotheses, and expert opinions. From, Why Men Die Younger: Causes of Mortality Differences by Sex, M-LI01-1.

Description: In light of the almost universal mortality differential by sex, Chapter 6 examines briefly the major causes of death comparing the results by sex: heart disease, cancer, accidents/violence, cerebrovascular disease, and infectious/parasitic disease. From Why Men Die Younger: Causes of Mortality Differences by Sex, M-LI01-1.

Description: This paper looks at the spending decisions that are made during retirement and some of the options and choices available.

Description: The author advocates trying to maximize the diversification of investment portfolios based on creating multiple sources of income, each taxed in its own way, based on the premise that taxation of retirement income in the future is no longer predictable. From the 2011 Enterprise Risk Management Symposium, March 2011.

Description: The ongoing financial meltdown has cast a shadow over the entire economy, and caused some to question whether the much-hyped movement of enterprise risk management ERM has failed. My answer is, yes, an overarching theme of the credit crisis is a failure of risk management.

Description: This article intends to provide some background on how and when the state variation issues came about, why these issues present a challenge to the valuation actuary, what seems to be the current practice in dealing with these challenges, and how these issues can be addressed more effectively and efficiently in the future. From Society of Actuaries Financial Reporting Monograph, M-AS99-1.

Description: Government credit programs are intended to meet various social and economic objectives. By providing more favorable terms than are available from private lenders, credit programs assist borrowers, including some who could not obtain funds otherwise. From Study of Public Financial Guarantee Programs, M-FI96-2.

Description: Chapter 4 of the Price, Waterhouse study presents and extensive collection of numerical tables. From Study of Public Financial Guarantee Programs, M-FI96-2.