Description: This paper describes the prevalence of the still uninsured long-term care financial risk, and how the at-need annuity/home equity combination can address long term care needs.

Description: Discussant comments for the 2009 Housing Wealth monograph paper, “The Impact of Diminishing Wealth on Future Consumption: How Housing Wealth Affects Retirement Planning.” The goal of the paper is to help financial professionals and plan sponsors recognize that retirement planning is being influenced by new factors and suggests ways they can readjust retirement planning strategies. The discussant has additional suggestions for financial professionals.

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: This paper addresses some of the issues arising from the combination of lower birth rates and increasing life expectancy, which have become more pronounced over the past 40 years in Canada and many other countries, too. The paper examines the effect of a gradual increase in retirement ages in order to attempt to maintain the “senior dependency ratio” at or close to its current level.

Description: Discussion on Living to 100 General Session 2.