Description: Fairness in life insurance isn’t a checkbox—it’s a set of choices, trade-offs, and consequences. In this webcast, the report’s author will walk through a practical framework for defining and measuring fairness in life insurance workflows, showing why “fair” can mean very different things depending on whether you’re focusing on individuals or groups—and why you often can’t optimize both at once. You’ll get a clear tour of the major fairness criteria used in today’s literature—what they measure, where they fit in insurance, and what can break when you adopt them . Expect straight talk, concrete insurance-oriented examples, and guidance on selecting metrics that align with business objectives, regulatory expectations, and stakeholder priorities—without pretending there’s a one-size-fits-all answer.

Description: Cardiovascular disease (CVD) remains the leading cause of death among older adults in the United States. While genetics play a foundational role in establishing risk, disease progression is heavily shaped by lifestyle behaviors, environmental exposures, and social determinants of health. This Webcast will summarize key insights from an expert panel discussion on the evolving landscape of cardiovascular mortality at older ages.

Description: This webcast will update listeners on the financial status of the U.S. Social Security program, describe half a dozen widespread myths, and discuss the reality of "waste, fraud and abuse" in the program.

Description: When designing and pricing a healthcare product, it is not only important to know how to model frequency and severity, but it is essential to understand human behavior. Of course, the issue of anti-selection in medical insurance is well known as individuals know more about their health and prior expenditures than an insurer does. This type of behavior is certainly rational, and to be expected.

Description: The Long-Term Care Crisis and You John Ferrara, FCA, MAAA, and Nathan Nutt, Actuarial Intern

Description: 在本研究启动之初提出的核心假设是：参加美国联邦医疗保险（Medicare）的HIV阳性人群中，65岁及以上参保人数呈增长趋势，并且该群体在人口学结构上具有独特性，因此，他们的护理需求也会与普通医保参保人群不同。本研究旨在实现以下目标： • 验证或修正关于65岁及以上HIV阳性人群Medicare的参保比例趋势及人口构成特征的假设； • 对比分析HIV阳性与阴性Medicare参保群体在使用处方药、医疗服务使用及成本模式的整体差异； • 初步识别护理需求与成本差异，为项目规划及护理管理提供依据。 本研究通过比较HIV阳性与阴性Medicare群体人口特征、医疗成本和药品费用方面的数据，对上述目标展开初步探讨，以帮助精算界提出更精准的研究问题，从而促进HIV感染者在医保体系中获得妥善照护。

Description: Exam PA October 2025 Module Solution