{"id":100001638,"date":"2016-05-17T11:31:22","date_gmt":"2016-05-17T09:31:22","guid":{"rendered":"http:\/\/know-how-to-risk.com\/?p=100001638"},"modified":"2019-01-12T22:04:43","modified_gmt":"2019-01-12T21:04:43","slug":"white-paper-on-mortality","status":"publish","type":"post","link":"https:\/\/www.reacfin.com\/index.php\/2016\/05\/17\/white-paper-on-mortality\/","title":{"rendered":"Mortality"},"content":{"rendered":"<p>{&#8220;main-title&#8221;:{&#8220;component&#8221;:&#8221;hc_title&#8221;,&#8221;id&#8221;:&#8221;main-title&#8221;,&#8221;subtitle&#8221;:&#8221;Adverse selection in lifetables models, Methods &#038; applications&#8221;,&#8221;title_content&#8221;:{&#8220;component&#8221;:&#8221;hc_title_image&#8221;,&#8221;id&#8221;:&#8221;title-image&#8221;,&#8221;image&#8221;:&#8221;&#8221;,&#8221;full_screen&#8221;:false,&#8221;full_screen_height&#8221;:&#8221;&#8221;,&#8221;parallax&#8221;:false,&#8221;bleed&#8221;:&#8221;&#8221;,&#8221;ken_burn&#8221;:&#8221;&#8221;,&#8221;overlay&#8221;:&#8221;&#8221;,&#8221;breadcrumbs&#8221;:false,&#8221;white&#8221;:true},&#8221;title&#8221;:&#8221;Mortality&#8221;},&#8221;section_5ZtkF&#8221;:{&#8220;component&#8221;:&#8221;hc_section&#8221;,&#8221;id&#8221;:&#8221;section_5ZtkF&#8221;,&#8221;section_width&#8221;:&#8221;&#8221;,&#8221;animation&#8221;:&#8221;&#8221;,&#8221;animation_time&#8221;:&#8221;&#8221;,&#8221;timeline_animation&#8221;:&#8221;&#8221;,&#8221;timeline_delay&#8221;:&#8221;&#8221;,&#8221;timeline_order&#8221;:&#8221;&#8221;,&#8221;vertical_row&#8221;:&#8221;&#8221;,&#8221;box_middle&#8221;:&#8221;&#8221;,&#8221;css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_styles&#8221;:&#8221;&#8221;,&#8221;section_content&#8221;:[{&#8220;component&#8221;:&#8221;hc_column&#8221;,&#8221;id&#8221;:&#8221;column_vtfQF&#8221;,&#8221;column_width&#8221;:&#8221;col-md-12&#8243;,&#8221;animation&#8221;:&#8221;&#8221;,&#8221;animation_time&#8221;:&#8221;&#8221;,&#8221;timeline_animation&#8221;:&#8221;&#8221;,&#8221;timeline_delay&#8221;:&#8221;&#8221;,&#8221;timeline_order&#8221;:&#8221;&#8221;,&#8221;css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_styles&#8221;:&#8221;&#8221;,&#8221;main_content&#8221;:[{&#8220;component&#8221;:&#8221;hc_space&#8221;,&#8221;id&#8221;:&#8221;5ZtkF&#8221;,&#8221;css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_styles&#8221;:&#8221;&#8221;,&#8221;size&#8221;:&#8221;m&#8221;,&#8221;height&#8221;:&#8221;&#8221;},{&#8220;component&#8221;:&#8221;hc_icon_list&#8221;,&#8221;id&#8221;:&#8221;tn12T&#8221;,&#8221;css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_styles&#8221;:&#8221;color: #9C9C9C;&#8221;,&#8221;rows&#8221;:[{&#8220;component&#8221;:&#8221;repeater_item&#8221;,&#8221;id&#8221;:&#8221;RyCUy&#8221;,&#8221;icon&#8221;:&#8221;fa fa-info-circle&#8221;,&#8221;icon_style&#8221;:&#8221;&#8221;,&#8221;icon_image&#8221;:&#8221;&#8221;,&#8221;text&#8221;:&#8221;<b>Title : <\/b>Adverse selection in lifetables models, Methods &#038; applications&#8221;},{&#8220;component&#8221;:&#8221;repeater_item&#8221;,&#8221;id&#8221;:&#8221;Cdhay&#8221;,&#8221;icon&#8221;:&#8221;fa fa-pencil&#8221;,&#8221;icon_style&#8221;:&#8221;&#8221;,&#8221;icon_image&#8221;:&#8221;&#8221;,&#8221;text&#8221;:&#8221;<b>Authors : <\/b>Aur\u00e9lie Miller and Julien Antunes Mendes&#8221;},{&#8220;component&#8221;:&#8221;repeater_item&#8221;,&#8221;id&#8221;:&#8221;PisW5&#8243;,&#8221;icon&#8221;:&#8221;fa fa-calendar&#8221;,&#8221;icon_style&#8221;:&#8221;&#8221;,&#8221;icon_image&#8221;:&#8221;&#8221;,&#8221;text&#8221;:&#8221;<b>Date : <\/b>May 2016&#8243;},{&#8220;component&#8221;:&#8221;repeater_item&#8221;,&#8221;id&#8221;:&#8221;aFO7N&#8221;,&#8221;icon&#8221;:&#8221;fa fa-bookmark&#8221;,&#8221;icon_style&#8221;:&#8221;&#8221;,&#8221;icon_image&#8221;:&#8221;&#8221;,&#8221;text&#8221;:&#8221;<b>Reference : <\/b>Reacfin White Paper 2016&#8243;},{&#8220;component&#8221;:&#8221;repeater_item&#8221;,&#8221;id&#8221;:&#8221;OtFcD&#8221;,&#8221;icon&#8221;:&#8221;fa fa-tags&#8221;,&#8221;icon_style&#8221;:&#8221;&#8221;,&#8221;icon_image&#8221;:&#8221;&#8221;,&#8221;text&#8221;:&#8221;<b>Key words : <\/b>Non-Life &#8211; Mortality &#8211; Model&#8221;}],&#8221;direction&#8221;:&#8221;vertical-icon-list&#8221;,&#8221;alignment&#8221;:&#8221;text-left&#8221;,&#8221;icon_position&#8221;:&#8221;&#8221;,&#8221;text_size&#8221;:&#8221;text-xs&#8221;,&#8221;icon_size&#8221;:&#8221;&#8221;},{&#8220;component&#8221;:&#8221;hc_space&#8221;,&#8221;id&#8221;:&#8221;UE3c3&#8243;,&#8221;css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_styles&#8221;:&#8221;&#8221;,&#8221;size&#8221;:&#8221;m&#8221;,&#8221;height&#8221;:&#8221;&#8221;},{&#8220;component&#8221;:&#8221;hc_quote&#8221;,&#8221;id&#8221;:&#8221;ak3WW&#8221;,&#8221;css_classes&#8221;:&#8221;text-justify text-s &#8220;,&#8221;custom_css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_styles&#8221;:&#8221;&#8221;,&#8221;text&#8221;:&#8221;In many different applications (Solvency Capital Requirement, Best Estimate of Liabilities computation, Economic Balance Sheet statement, insurance products pricing, profit analysis\u2026), insurance companies use lifetables to model the probability of death or survival.\\n\\nAdverse selection\u00a0is the fact that, depending on the features of the insurance products underwritten, policyholders could present different behavioral or health characteristics. This could lead to observe different death probabilities between policyholders of the same age among the different products. For Valuation and Risk Management purposes, as this difference could be large, it should therefore be accounted for.\\n\\nThe lifetables\u00a0will thus be different for some segments of insurance policyholders and will be different from the general population mortality (of a country for example). By using adapted life tables, the insurance company can take into account the adverse selection.\\n\\nCalibration of such tables will be based on a trade-off between appropriateness (specific features of the policyholders adequately captured) and accuracy (sufficient volume of data to obtain reliable parameters).&#8221;,&#8221;style&#8221;:&#8221;double_quote&#8221;,&#8221;author&#8221;:&#8221;Aur\u00e9lie Miller and Julien Antunes Mendes&#8221;}]},{&#8220;component&#8221;:&#8221;hc_column&#8221;,&#8221;id&#8221;:&#8221;column_5ZtkF&#8221;,&#8221;column_width&#8221;:&#8221;col-md-4&#8243;,&#8221;animation&#8221;:&#8221;&#8221;,&#8221;animation_time&#8221;:&#8221;&#8221;,&#8221;timeline_animation&#8221;:&#8221;&#8221;,&#8221;timeline_delay&#8221;:&#8221;&#8221;,&#8221;timeline_order&#8221;:&#8221;&#8221;,&#8221;css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_styles&#8221;:&#8221;&#8221;,&#8221;main_content&#8221;:[{&#8220;component&#8221;:&#8221;hc_space&#8221;,&#8221;id&#8221;:&#8221;2KiUS&#8221;,&#8221;css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_styles&#8221;:&#8221;&#8221;,&#8221;size&#8221;:&#8221;m&#8221;,&#8221;height&#8221;:&#8221;&#8221;},{&#8220;component&#8221;:&#8221;hc_button&#8221;,&#8221;id&#8221;:&#8221;GZd14&#8243;,&#8221;css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_styles&#8221;:&#8221;&#8221;,&#8221;icon&#8221;:&#8221;fa fa-file-pdf-o&#8221;,&#8221;style&#8221;:&#8221;square&#8221;,&#8221;size&#8221;:&#8221;&#8221;,&#8221;position&#8221;:&#8221;left&#8221;,&#8221;animation&#8221;:false,&#8221;text&#8221;:&#8221;Download&#8221;,&#8221;link_type&#8221;:&#8221;classic&#8221;,&#8221;lightbox_animation&#8221;:&#8221;&#8221;,&#8221;caption&#8221;:&#8221;&#8221;,&#8221;inner_caption&#8221;:false,&#8221;new_window&#8221;:true,&#8221;link&#8221;:&#8221;https:\/\/www.reacfin.com\/wp-content\/uploads\/2016\/12\/Reacfin-White-Paper-Mortality-adverse-selection.pdf&#8221;,&#8221;link_content&#8221;:[],&#8221;lightbox_size&#8221;:&#8221;&#8221;,&#8221;scrollbox&#8221;:false}]}],&#8221;section_settings&#8221;:&#8221;&#8221;},&#8221;scripts&#8221;:{},&#8221;css&#8221;:{},&#8221;css_page&#8221;:&#8221;&#8221;,&#8221;template_setting&#8221;:{&#8220;settings&#8221;:{&#8220;id&#8221;:&#8221;settings&#8221;}},&#8221;template_setting_top&#8221;:{},&#8221;page_setting&#8221;:{&#8220;settings&#8221;:[&#8220;lock-mode-off&#8221;]},&#8221;post_type_setting&#8221;:{&#8220;settings&#8221;:{&#8220;image&#8221;:&#8221;http:\/\/know-how-to-risk.com\/wp-content\/uploads\/2016\/10\/new-scientific-paper.jpg|354|777|100000979&#8243;,&#8221;excerpt&#8221;:&#8221;Adverse selection in lifetables models, Methods &#038; applications\\n<br \/>\\n<a class=\\\"btn btn-sm\\\" style=\\\"margin-top:10px;\\\" href=\\\"https:\/\/www.reacfin.com\/wp-content\/uploads\/2016\/12\/Reacfin-White-Paper-Mortality-adverse-selection.pdf\\\" target=\\\"_blank\\\">         <i class=\\\"fa fa fa-file-pdf-o\\\"><\/i>Download<\/a>&#8220;,&#8221;extra_1&#8243;:&#8221;&#8221;,&#8221;extra_2&#8243;:&#8221;&#8221;,&#8221;icon&#8221;:{&#8220;icon&#8221;:&#8221;&#8221;,&#8221;icon_style&#8221;:&#8221;&#8221;,&#8221;icon_image&#8221;:&#8221;&#8221;}}}}<\/p>\n","protected":false},"excerpt":{"rendered":"<p>{&#8220;main-title&#8221;:{&#8220;component&#8221;:&#8221;hc_title&#8221;,&#8221;id&#8221;:&#8221;main-title&#8221;,&#8221;subtitle&#8221;:&#8221;Adverse selection in lifetables models, Methods &#038; applications&#8221;,&#8221;title_content&#8221;:{&#8220;component&#8221;:&#8221;hc_title_image&#8221;,&#8221;id&#8221;:&#8221;title-image&#8221;,&#8221;image&#8221;:&#8221;&#8221;,&#8221;full_screen&#8221;:false,&#8221;full_screen_height&#8221;:&#8221;&#8221;,&#8221;parallax&#8221;:false,&#8221;bleed&#8221;:&#8221;&#8221;,&#8221;ken_burn&#8221;:&#8221;&#8221;,&#8221;overlay&#8221;:&#8221;&#8221;,&#8221;breadcrumbs&#8221;:false,&#8221;white&#8221;:true},&#8221;title&#8221;:&#8221;Mortality&#8221;},&#8221;section_5ZtkF&#8221;:{&#8220;component&#8221;:&#8221;hc_section&#8221;,&#8221;id&#8221;:&#8221;section_5ZtkF&#8221;,&#8221;section_width&#8221;:&#8221;&#8221;,&#8221;animation&#8221;:&#8221;&#8221;,&#8221;animation_time&#8221;:&#8221;&#8221;,&#8221;timeline_animation&#8221;:&#8221;&#8221;,&#8221;timeline_delay&#8221;:&#8221;&#8221;,&#8221;timeline_order&#8221;:&#8221;&#8221;,&#8221;vertical_row&#8221;:&#8221;&#8221;,&#8221;box_middle&#8221;:&#8221;&#8221;,&#8221;css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_styles&#8221;:&#8221;&#8221;,&#8221;section_content&#8221;:[{&#8220;component&#8221;:&#8221;hc_column&#8221;,&#8221;id&#8221;:&#8221;column_vtfQF&#8221;,&#8221;column_width&#8221;:&#8221;col-md-12&#8243;,&#8221;animation&#8221;:&#8221;&#8221;,&#8221;animation_time&#8221;:&#8221;&#8221;,&#8221;timeline_animation&#8221;:&#8221;&#8221;,&#8221;timeline_delay&#8221;:&#8221;&#8221;,&#8221;timeline_order&#8221;:&#8221;&#8221;,&#8221;css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_styles&#8221;:&#8221;&#8221;,&#8221;main_content&#8221;:[{&#8220;component&#8221;:&#8221;hc_space&#8221;,&#8221;id&#8221;:&#8221;5ZtkF&#8221;,&#8221;css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_styles&#8221;:&#8221;&#8221;,&#8221;size&#8221;:&#8221;m&#8221;,&#8221;height&#8221;:&#8221;&#8221;},{&#8220;component&#8221;:&#8221;hc_icon_list&#8221;,&#8221;id&#8221;:&#8221;tn12T&#8221;,&#8221;css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_styles&#8221;:&#8221;color: #9C9C9C;&#8221;,&#8221;rows&#8221;:[{&#8220;component&#8221;:&#8221;repeater_item&#8221;,&#8221;id&#8221;:&#8221;RyCUy&#8221;,&#8221;icon&#8221;:&#8221;fa fa-info-circle&#8221;,&#8221;icon_style&#8221;:&#8221;&#8221;,&#8221;icon_image&#8221;:&#8221;&#8221;,&#8221;text&#8221;:&#8221;Title : Adverse selection in lifetables models, Methods &#038; applications&#8221;},{&#8220;component&#8221;:&#8221;repeater_item&#8221;,&#8221;id&#8221;:&#8221;Cdhay&#8221;,&#8221;icon&#8221;:&#8221;fa fa-pencil&#8221;,&#8221;icon_style&#8221;:&#8221;&#8221;,&#8221;icon_image&#8221;:&#8221;&#8221;,&#8221;text&#8221;:&#8221;Authors : Aur\u00e9lie Miller and Julien Antunes Mendes&#8221;},{&#8220;component&#8221;:&#8221;repeater_item&#8221;,&#8221;id&#8221;:&#8221;PisW5&#8243;,&#8221;icon&#8221;:&#8221;fa fa-calendar&#8221;,&#8221;icon_style&#8221;:&#8221;&#8221;,&#8221;icon_image&#8221;:&#8221;&#8221;,&#8221;text&#8221;:&#8221;Date : May 2016&#8243;},{&#8220;component&#8221;:&#8221;repeater_item&#8221;,&#8221;id&#8221;:&#8221;aFO7N&#8221;,&#8221;icon&#8221;:&#8221;fa fa-bookmark&#8221;,&#8221;icon_style&#8221;:&#8221;&#8221;,&#8221;icon_image&#8221;:&#8221;&#8221;,&#8221;text&#8221;:&#8221;Reference : Reacfin White Paper 2016&#8243;},{&#8220;component&#8221;:&#8221;repeater_item&#8221;,&#8221;id&#8221;:&#8221;OtFcD&#8221;,&#8221;icon&#8221;:&#8221;fa fa-tags&#8221;,&#8221;icon_style&#8221;:&#8221;&#8221;,&#8221;icon_image&#8221;:&#8221;&#8221;,&#8221;text&#8221;:&#8221;Key words : Non-Life &#8211; Mortality &#8211; Model&#8221;}],&#8221;direction&#8221;:&#8221;vertical-icon-list&#8221;,&#8221;alignment&#8221;:&#8221;text-left&#8221;,&#8221;icon_position&#8221;:&#8221;&#8221;,&#8221;text_size&#8221;:&#8221;text-xs&#8221;,&#8221;icon_size&#8221;:&#8221;&#8221;},{&#8220;component&#8221;:&#8221;hc_space&#8221;,&#8221;id&#8221;:&#8221;UE3c3&#8243;,&#8221;css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_styles&#8221;:&#8221;&#8221;,&#8221;size&#8221;:&#8221;m&#8221;,&#8221;height&#8221;:&#8221;&#8221;},{&#8220;component&#8221;:&#8221;hc_quote&#8221;,&#8221;id&#8221;:&#8221;ak3WW&#8221;,&#8221;css_classes&#8221;:&#8221;text-justify text-s &#8220;,&#8221;custom_css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_styles&#8221;:&#8221;&#8221;,&#8221;text&#8221;:&#8221;In many different applications (Solvency Capital Requirement, Best Estimate [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[38],"tags":[30,56,32],"class_list":["post-100001638","post","type-post","status-publish","format-standard","hentry","category-white-papers","tag-model","tag-mortality","tag-non-life"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mortality | Reacfin<\/title>\n<meta name=\"description\" content=\"Reacfin is a consulting firm. 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