Description: A research report providing a primer on the mechanics and uses of the Hidden Markov Model for actuarial and financial applications.

Description: This research summarizes interviews of individuals 85+ years old, looking at how habits and behaviors from earlier in life affect the later years of retirement.

Description: This research report develops a framework for modeling and pricing cybersecurity risk.

Description: Appendix C is round 1 reasons for projections from the Delphi report. See the SOA webite Research pages for the complete report of Delphi Study of Economic Variables Report which includes the full report along with all the appendices.

Description: Appendix F is round 1 future developments from the Delphi report. Please see the SOA website Research section for the full Delphi Study of Economic Variables Report along with all of the appendices.

Description: This paper discusses a theoretical framework for Enterprise Risk Management, risk dynamics within property-casualty insurance companies, empirical findings on widely used risk models, and examples of effective risk models.

Description: This report considers a hybrid portfolio that combines life and general insurance aspects.

Description: A research project defining relevant and actionable consumer segments among middle-income/mid-level net worth households.

Description: This paper uses data from two longitudinal surveys to examine the relationship between psychological well-being and financial well-being of older women and men, with specific interest in differences by marital status and duration of widowhood. The Wisconsin Longitudinal Study WLS provides a look at the consequences of relatively early widowhood. The Health and Retirement Study HRS has interviewed a representative sample of individuals 50 and older over the last two decades. We use the data from that survey to examine the adjustment to widowerhood over a larger age range, but with likely less precision to measure differences among women of a single age.

Description: The purpose of this research project was to identify challenges encountered by smaller insurers in obtaining life reinsurance, learn about challenges and opportunities life reinsurers face in servicing these companies, and consider some possible solutions that might help to resolve the challenges encountered.