Description: This report investigates how mental health diagnoses and social determinants influence life insurance underwriting and mortality risk.

Description: The Aging and Retirement Strategic Research Program is pleased to make available a guide written by Financial Finesse to help older retirees and those who assist them make informed decisions.

Description: The Health Care Cost Trends Strategic Research Committee is looking for a risk adjustment proposal that will examine the current risk adjustment landscape in the US and globally and the effect of increased complexity on risk adjustment accuracy.

Description: This document is an appendix titled "Respondent Demographic Overview and Survey Questions" to a research report on perceptions of insurance and retirement products across diverse U.S. populations. It provides demographic data on survey respondents and includes survey questions related to various demographic characteristics.

Description: Document discusses growing risks in the life and health insurance industry from catastrophic events like pandemics and climate change. It explores how insurers can model these risks and highlights the impact of traditional and nontraditional catastrophic events on the industry. The document also addresses climate-related risks concerning insurers.

Description: This report focuses on disparities in retirement savings based on race and ethnicity. It includes a thorough review of the literature on the extent of racial disparities in retirement savings and possible causes for and correlates of these disparities.

Description: This report evaluates the long-term mortality consequences of the COVID-19 pandemic from a cohort-based perspective using historical mortality data.

Description: This study explores the use of geospatial imagery and high-resolution image technology in the property and casualty (P&C) insurance industry, focusing on improving risk determination through accurate building location data. It introduces new methods like structure footprints and high-resolution elevation information to enhance underwriting, rating, and claims settlement. The study includes two case studies: one on flood risk in Hillsborough County, Florida, and another on wildfire risk in three California communities, demonstrating the significant impact of precise location and elevation data on risk assessment and insurance premiums.

Description: This report analyzes insurance product design, morbidity trends, and pricing models for individuals with pre-existing illnesses in China to improve coverage for substandard health populations.

Description: An analysis of U.S. mortality trends by socioeconomic category from 1982 to 2023, emphasizing the continuing effects of the COVID-19 pandemic on mortality disparities.