Description: This research examines the intersection of US insurance ratemaking and analytics techniques in advanced modern rating systems and associated regulatory considerations in the US.

Description: In the United States, the insurance industry is regulated by the individual states. To assist in uniformity, the National Association of Insurance Commissioners (NAIC) meets three times a year to review and propose model laws and assess emerging issues. This report examines the process from start to finish.

Description: What role do retirement accounts and insurance products play in wealth inequality pre- and post-bankruptcy in Washington, DC, in 2011?

Description: This report explores AI bias in insurance and health data, highlighting the ethical role of actuaries and offering cross-disciplinary guidance for fairer decision-making systems.

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.

Description: As results emerged showing the influence of COVID-19 on recent mortality, the Society of Actuaries Research Institute’s Mortality and Longevity Strategic Research Program Steering Committee (MLPSC) began to ponder what it means for the future. Was the coronavirus pandemic just a temporary shock to U.S. mortality with mortality quickly returning to prepandemic levels upon its conclusion or a lingering factor in future U.S. mortality from the potential occurrence of new coronavirus variants, post-COVID-19 conditions (“long COVID”), deferral of needed health care treatment, a fatigued health care system and other elements? Only time will provide the answers to these questions.

Description: This report examines the influence of climate-induced migration on U.S. state-level population shifts and property insurance market responses, including rate setting, regulation, and insurer behavior.

Description: India is in the process of updating to a more risk-based capital framework. The article provides a high level introduction of the development and discusses some of the key design and implementation considerations.

Description: In the U.S., the insurance industry is regulated by the individual states. Learn more about the National Association of Insurance Commissioners (NAIC), which reviews and proposes model laws and assesses emerging issues.