Description: This report summarizes the results of a mortality and pricing survey. It indicates significant differences between the mortality assumptions for different product lines and even between different companies within a single product line. Widespread differences in mortality expectations between products may give individuals an advantage by acting on inefficiencies in the financial services market.

Description: This paper estimates the acquisition and maintenance costs associated with life policies as a function of the amount of insurance and number of policies of an insurer by estimating a cost function for our sample of insurers.

Description: This is an excel spreadsheet with some data pertaining to an article of the same name from the Product Development News

Description: The attached report presents the results of a survey whose purpose was to explore life insurance company practices regarding the use of a mortality improvement assumption in the pricing of life insurance products. The survey distinguished between updating base mortality tables for historical mortality improvement versus projecting mortality improvement into the future.

Description: This report describes the results of a survey on reflecting risk in pricing. The survey expands on one conducted in 2003 and was expanded to include life, health, P&C, and non-North American insurance companies.

Description: Using data from a large insurance company, we construct a parametric model for the joint survival function based on a Hougaard copula function.

Description: This paper will use a sample example to examine the relationship between the pricing objective of ROI and the corporate profit measure of ROE. From Transactions of Society of Actuaries 1987, Vol. 39.