Description: This article details different methods for calculating mortality impact associated with new underwriting programs. A common simplified calculation is compared and contrasted with two first principles approaches. The strengths and weaknesses of both approaches are discussed.

Description: Meet Christine Hofbeck. Christine is pushing the boundaries of traditional life and general insurance by finding problems and fixing them with new technology, modeling methods and sources of data. Most recently, she built a predictive analytics team at one of the world's largest financial services institutions to support the pricing team for a $5 billion portfolio covering life, disability, critical illness and more.