Mean vs. Median — The Importance of Using the Mean
Recently, an asset manager asked me why the mean and median life expectancy (LE) figures in life expectancy reports seemed to have widened in recent years. The fact is we […]
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Understanding Mortality Improvement
There are a number of fallacies about how micro-longevity underwriting works that seem to pervade the marketplace. One that I hear far too often goes something like this: “Life settlements […]
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Facing Off-Market Life Expectancy Providers
In several recent conversations with clients, the topic of “off-market” life expectancy providers has come up…again and again. Most of these clients are concerned about the effect these operators are […]
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The Pernicious Fiction of Accurate Medical Information
Lately, in the life insurance world, the buzz is that electronic health care data will revolutionize underwriting. Someday…maybe, but not today. Why? Because much of what’s taking place now is […]
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