Mortality and morbidity risk varies by variables such as age, sex and smoking. In traditional actuarial experience analysis, these variables, and certain combinations thereof can be explored. However, with the wealth of data now available it is becoming increasingly challenging to identify the key drivers of experience and account for the interaction between different variables. A univariate approach often compares apples and pears, for example males are more likely to smoke and have larger policies than females. Likewise, variable interactions are missed unless specifically included. In this talk, we will advocate a systematic and multivariate approach to experience analysis.
Chair: Nay Wynn
Nay Wynn is a Research Actuary at Hannover Re UK Life Branch responsible for setting the best estimate Term and CI basis. He is the Chair of the UK Innovation Group, which helps the business coordinate innovation activities though setting up frameworks and sharing best practice across the company to embed an innovation culture.
Michiel Luteijn, Biometric Research Data Specialist
Michiel Luteijn works as data scientist at Hannover Re UK Life Branch. Michiel holds a PhD in epidemiology and has a background in academia as well as life and CI reinsurance. He is passionate about finding new approaches to address old problems.
Tim Smith, Head of Protection
Tim Smith is Head of Protection at Hannover Re UK Life Branch. With a background spanning life insurance and pensions, and experience in a number of protection markets across the globe, he is committed to supporting clients in increasing access to protection in the UK. By bringing innovative ideas and supporting clients with their own initiatives, Hannover Re is the go-to reinsurer for any provider looking to challenge the life market norms.
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