Mortality

Mortality generally refers to death and more specifically to the rate of death among a given population.

Calculating the Value of a Pension Buyout Offer

One way to evaluate a...

Key Phrases Autotag: 

Calculating the Extra Yield Provided by a Life Annuity

A common question is how annuities compare to other financial products that seem similar such as bonds, certificates of deposit (CD) and money market funds.  After all, each of these products promises to provide some type of fixed return in exchange for your investment. 

Looking at a simple life annuity can help answer this...

Key Phrases Autotag: 

Why Low Interest Rates Have a Silver Lining

As discussed in a recent post, ultra low interest rates are an...

RMS Model Provides a New Perspective on Longevity Risk

Risk Management Solutions (RMS) is well known as a leader in the area of catastrophe modeling and analytics.  The company provides its services to a broad range of insurers, reinsurers, consultants and capital markets participants who are active in the property and casualty insurance industry.

More recently, the company has developed resources that focus on life and health risks.  Though initially focused on mortality risks, RMS recently...

Swiss Re to Issue First Longevity-Linked Cat Bond

Swiss Re is preparing to issue the first catastrophe bond linked to longevity risk . Catastrophe bonds ("cat bonds") are insurance linked securities that pass along risks to capital markets participants rather than an insurance company balance sheet. Cat bonds are more commonly structured for natural disasters such as earthquakes or hurricanes. The Swiss Re security is an eight year bond that will be based on the difference between the annualized mortality improvement in a UK-based age group...
Key Phrases: 

Pages