Browsing: Commentary
Opinion and observations from life risk industry insiders, academics and policy makers
In an effort to differentiate between cohort and large population mortality information that predominates most discussions about longevity, life expectancy…
Many investors in the life settlements asset class do not fully grasp the complexities underlying the asset before making the…
The World Health Organization (WHO) declared an end to the public health emergency due to COVID-19 on May 11th of…
On 15 June 2023 the Prudential Regulatory Authority (PRA) published a letter to bulk annuity insurers regarding their use of…
I find it interesting to draw parallels between theories we see in the Life Expectancy space and what was considered…
More than 200 years ago, Equitable Life, the now defunct UK mutual life insurer, realised that they were making excess…
As long as there has been a life settlement market, there has been disagreement over the ‘best’ or appropriate mortality…
In this paper I will discuss mortality and life expectancy trends in the 20th and 21st centuries, developments that offer…
Investors in the life settlement industry’s secondary market work with a provider to source policies; indeed, most states that have…
Insurers need to balance the short term financial and reputational incentives to grow rapidly, with long term and enduring financial strength, to meet the long term needs of policyholders and the economy