Description: This research report, part of the Society of Actuaries [SOA} ‘Research Projects – Finance/Investment,’ is sponsored by the Society of Actuaries [SOA] Committee on Finance Research. This paper explores and summarizes current practices on the interest-rate risk of traditional life and health insurance products.

Description: This paper, part of the Society of Actuaries [SOA} ‘Research Projects – Life Insurance,’ sponsored by the Reinsurance Section, Smaller Insurance Company Section and the SOA’s Committee on Life Insurance Research, examines challenges encountered by smaller insurers in obtaining life reinsurance, the challenges and opportunities life reinsurers face in servicing these companies, and considers some possible solutions that might help to resolve the challenges encountered.

Description: This web page summarizes the research project entitled 'The Effect of Deflation or High Inflation on the Insurance Industry.' The project is comprised of report of the same name, Excel spreadsheets that stochastically model the effects of inflation and deflation, and a users guide for the spreadsheets, all of which can be accessed from this web page.

Description: This is a research project on issues in applying credibility in group long-term disability (LTD) insurance.

Description: In this paper, the authors have analyzed the Cash Balance pension and contributions using the methods and principles of financial economics, to give a market consistent evaluation of the costs of the CB liability.

Description: Recognizing the importance of fortifying risk adjustment programs against selection based on nontraditional variables, the Society of Actuaries’ Health Section sponsored an in-depth study into the relationship of nontraditional variables with health costs. This report presents the results of this study.

Description: In 2012, the Federal Reserve Board’s Division of Consumer and Community Affairs conducted an online survey of older adults. The survey set out to answer: • How do older adults use financial products as they age? • How do older adults make their financial decisions and where do they turn for advice? • What are older adults’ main sources of financial stress? Since the fielding of that survey, the American economy has steadily recovered from the Great Recession. In April 2015, the University of Southern California’s Understanding America Study (UAS) conducted the Financial Management Survey to investigate how the financial lives of Americans have changed with the recovery. In addition to updating the earlier survey this also serves as a contrast because the data covers all ages 18 and over, allowing a comparison of the financial management of individuals and households of all ages.

Description: The Human Mortality Database is a unique open‐access collection of detailed mortality and population data for 38 countries.

Description: This research report introduces Delta Boosting as a new member of the boosting family.

Description: This report concerns optimal new business written premium mix at the firm and state levels under varying competitive conditions.