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1999

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Full-Text Articles in Insurance

Quick Connections December 17, 1999, Blue Cross And Blue Shield Of Florida, Inc. Dec 1999

Quick Connections December 17, 1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

December 17, 1999 bi-weekly newsletter published for employees of Blue Cross and Blues Shield of Florida. Box: 10 Folder: 92


Quick Connections October 8, 1999, Blue Cross And Blue Shield Of Florida, Inc. Oct 1999

Quick Connections October 8, 1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

October 8, 1999 bi-weekly newsletter published for employees of Blue Cross and Blues Shield of Florida. Box: 10 Folder: 92


Perspectives Fall 1999, Blue Cross And Blue Shield Of Florida, Inc. Oct 1999

Perspectives Fall 1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Fall 1999 employee newsletter published quarterly for employees of Blue Cross and Blue Shield of Florida. Box: 9 Folder: 65


Quick Connections August 27, 1999, Blue Cross And Blue Shield Of Florida, Inc. Aug 1999

Quick Connections August 27, 1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

August 27, 1999 bi-weekly newsletter published for employees of Blue Cross and Blues Shield of Florida. Box: 10 Folder: 92


Ua3/9/5 Opening Faculty & Staff Convocation, Wku President's Office Aug 1999

Ua3/9/5 Opening Faculty & Staff Convocation, Wku President's Office

WKU Archives Records

Speech delivered by WKU president Gary Ransdell at the fall convocation. He discusses freshman orientation, change, Challenging the Spirit strategic plan, budget and funding model, tuition, new buildings, technology, parking, curriculum, dormitories, Diddle Arena renovations, University Senate and employee benefits.


Y2k Readiness Guide, Blue Cross And Blue Shield Of Florida, Inc. Aug 1999

Y2k Readiness Guide, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

August 1999 Y2K readiness guide. Box: 13 Folder: 148


Quick Connections July 16, 1999, Blue Cross And Blue Shield Of Florida, Inc. Jul 1999

Quick Connections July 16, 1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

July 16, 1999 bi-weekly newsletter published for employees of Blue Cross and Blues Shield of Florida. Box: 10 Folder: 92


Quick Connections July 2, 1999, Blue Cross And Blue Shield Of Florida, Inc. Jul 1999

Quick Connections July 2, 1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

July 2, 1999 bi-weekly newsletter published for employees of Blue Cross and Blues Shield of Florida. Box: 10 Folder: 92


Perspectives Summer 1999, Blue Cross And Blue Shield Of Florida, Inc. Jul 1999

Perspectives Summer 1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Summer 1999 employee newsletter published quarterly for employees of Blue Cross and Blue Shield of Florida. Box: 9 Folder: 65


Quick Connections June 4, 1999, Blue Cross And Blue Shield Of Florida, Inc. Jun 1999

Quick Connections June 4, 1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

June 4, 1999 bi-weekly newsletter published for employees of Blue Cross and Blues Shield of Florida. Box: 10 Folder: 92


Quick Connections May 21, 1999, Blue Cross And Blue Shield Of Florida, Inc. May 1999

Quick Connections May 21, 1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

May 21, 1999 bi-weekly newsletter published for employees of Blue Cross and Blues Shield of Florida. Box: 10 Folder: 92


Quick Connections April 23, 1999, Blue Cross And Blue Shield Of Florida, Inc. Apr 1999

Quick Connections April 23, 1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

April 23, 1999 bi-weekly newsletter published for employees of Blue Cross and Blues Shield of Florida. Box: 10 Folder: 92


Quick Connections April 9, 1999, Blue Cross And Blue Shield Of Florida, Inc. Apr 1999

Quick Connections April 9, 1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

April 9, 1999 bi-weekly newsletter published for employees of Blue Cross and Blues Shield of Florida. Box: 10 Folder: 92


Perspectives Spring 1999, Blue Cross And Blue Shield Of Florida, Inc. Apr 1999

Perspectives Spring 1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Spring 1999 employee newsletter published quarterly for employees of Blue Cross and Blue Shield of Florida. Box: 9 Folder: 65


Quick Connections March 26, 1999, Blue Cross And Blue Shield Of Florida, Inc. Mar 1999

Quick Connections March 26, 1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

March 26, 1999 bi-weekly newsletter published for employees of Blue Cross and Blues Shield of Florida. Box: 10 Folder: 92


Quick Connections March 12, 1999, Blue Cross And Blue Shield Of Florida, Inc. Mar 1999

Quick Connections March 12, 1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

March 12, 1999 bi-weekly newsletter published for employees of Blue Cross and Blues Shield of Florida. Box: 10 Folder: 92


Quick Connections February 26, 1999, Blue Cross And Blue Shield Of Florida, Inc. Feb 1999

Quick Connections February 26, 1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

February 26, 1999 bi-weekly newsletter published for employees of Blue Cross and Blues Shield of Florida. Box: 10 Folder: 92


Ua25/2 Connections, Wku Human Resources Feb 1999

Ua25/2 Connections, Wku Human Resources

WKU Archives Records

Newsletter created by WKU Human Resources for the faculty and staff of WKU regarding personnel issues and benefits.


Quick Connections January 4, 1999, Blue Cross And Blue Shield Of Florida, Inc. Jan 1999

Quick Connections January 4, 1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

January 4, 1999 bi-weekly newsletter published for employees of Blue Cross and Blues Shield of Florida. Box: 10 Folder: 92


Carvm And Naic Actuarial Guidelines 33 & 34, Keith P. Sharp Jan 1999

Carvm And Naic Actuarial Guidelines 33 & 34, Keith P. Sharp

Journal of Actuarial Practice 1993-2006

Annuity valuation under the NAIC Standard Valuation Law is determined according to methods different from those methods used for life insurance. The CARVM assumption of efficient policyholder selection is clarified under NAIC Actuarial Guidelines 33 and 34 to allow for non-elective (e.g., death) benefits. In particular, Actuarial Guideline 34 is oriented toward variable annuities and prescribes methods to be used in the presence of a minimum guaranteed death benefit. In this paper these methods are examined and illustrated with examples.


Positively Influencing Physicians: The Levers Of Influence, William Martin Jan 1999

Positively Influencing Physicians: The Levers Of Influence, William Martin

Publications – Dreihaus College of Business

No abstract provided.


A Study Note On The Actuarial Evaluation Of Premium Liabilities, Claudette Cantin, Philippe Trahan Jan 1999

A Study Note On The Actuarial Evaluation Of Premium Liabilities, Claudette Cantin, Philippe Trahan

Journal of Actuarial Practice 1993-2006

Several approaches have been used to estimate premium liabilities. The emphasis of these approaches has been on unearned premium and deferred policy acquisition expenses (DPAE), as such items represent the largest components of premium liabilities. The purpose of this paper is to provide a framework for the evaluation of premium liabilities and to augment the actuarial literature. We define and review the individual components of premium liabilities as well as the regulatory requirements and Canadian Institute of Actuaries recommendations and standards of practices related to premium liabilities. We also present an actuarial approach for estimating equity in the unearned premium ...


Determination Of Optimal Premiums As A Constrained Optimization Problem, Farrokh Guiahi Jan 1999

Determination Of Optimal Premiums As A Constrained Optimization Problem, Farrokh Guiahi

Journal of Actuarial Practice 1993-2006

A simple stochastic model of an insurer's underwriting and related investment operations is used to determine the optimal amounts of written premiums for one period for the insurer's book of business. The written premium for each class is determined by the solution of a constrained optimization problem. The insurer's objective function is the expected profit on a book of business over the period. The insurer has a safety constraint where a certain portion of capital and surplus can be depleted with a small probability. This paper provides an explicit solution for optimum expected profit and corresponding written ...


Multilife Premium Calculation With Dependent Future Lifetimes, Michel Denuit, Anne Cornet Jan 1999

Multilife Premium Calculation With Dependent Future Lifetimes, Michel Denuit, Anne Cornet

Journal of Actuarial Practice 1993-2006

Actuaries traditionally have calculated multi-life (joint life) premiums by assuming the independence of the future lifetimes of insured persons. Recent studies, however, demonstrate dependence of the future lifetimes of couples (such as husbands and wives). This dependence materially affects the values of multi-life annuities and insurances. Using the Frechet-Hoeffding bounds and Norberg's Markov model, we determine the effect of this dependence in lifetimes on the actuarial present values of a widow's pension benefit.


Commissioners Annuity Reserve Valuation Method (Carvm), Keith P. Sharp Jan 1999

Commissioners Annuity Reserve Valuation Method (Carvm), Keith P. Sharp

Journal of Actuarial Practice 1993-2006

This paper describes the commissioners annuity reserve valuation method (CARVM) and highlights the fundamental contrast with insurance valuation. Numerical examples illustrate methods of applying CARVM to particular annuity designs. The application of NAIC Actuarial Guideline 13 on bailouts is given particular attention.


Recognizing Actuarial Assumptions, Victoria Stachowski, Alice Underwood Jan 1999

Recognizing Actuarial Assumptions, Victoria Stachowski, Alice Underwood

Journal of Actuarial Practice 1993-2006

As assumptions underlie every aspect of actuarial calculations, actuaries must be aware of the assumptions they are using and understand their importance and the possible effects of changing assumptions on the results of their calculations. This paper explores the nature of assumptions in: (i) mathematical models, (ii) data selection, (iii) actuarial methods, and (iv) the business environment. We examine reasons for making assumptions such as convenience, tradition, indications in the data, or lack of data. In addition, we discuss (i) how actuaries can judge whether these reasons are sufficient; (ii) methods that can help actuaries quantify the impact of their ...


Credibility Calculations Using Analysis Of Variance Computer Routines, Dennis H. Tolley, Michael D. Nielsen, Robert Bachler Jan 1999

Credibility Calculations Using Analysis Of Variance Computer Routines, Dennis H. Tolley, Michael D. Nielsen, Robert Bachler

Journal of Actuarial Practice 1993-2006

In this paper we present a method of calculating Buhlmann-Straub credibility factors using standard statistical techniques developed for the analysis of variance. Emphasis is placed on using readily available statistical packages such as SAS and SPSS. Additionally many other computational tools such as EXCEL can be programmed to make such calculations. An example and some sample SAS programs are provided.


A Fuzzy Approach To Grouping By Policyholder Age In General Insurance, Richard J. Verrall, Yakoub H. Yakoubov Jan 1999

A Fuzzy Approach To Grouping By Policyholder Age In General Insurance, Richard J. Verrall, Yakoub H. Yakoubov

Journal of Actuarial Practice 1993-2006

In general insurance, policyholder age is often treated as a factor with the number of levels requiring that the individual ages of the policyholders be grouped. Although the groups are usually defined by the existing underwriting structure, it should be investigated as part of any premium rating exercise that uses a model to assess past claims experience. It is possible that an incorrect grouping by policyholder age could bias the results of the risk premium estimation. On the other hand, it may not be computationally feasible to use separate ages in the premium model, making some form of grouping necessary ...


Journal Of Actuarial Practice, Volume 7, Nos. 1 And 2, 1999, Colin Ramsay , Editor Jan 1999

Journal Of Actuarial Practice, Volume 7, Nos. 1 And 2, 1999, Colin Ramsay , Editor

Journal of Actuarial Practice 1993-2006

ARTICLES

A Study Note on the Actuarial Evaluation of Premium Liabilities • Claudette Cantin and Philippe Trahan (First Prize)

Recognizing Actuarial Assumptions • Victoria Stachowski and Alice Underwood (Second Prize)

Commissioners Annuity Reserve Valuation Method (CARVM) • Keith P. Sharp (Third Prize)

CARVM and NAIC Actuarial Guidelines 33 & 34 • Keith P. Sharp

Multilife Premium Calculation with Dependent Future Lifetimes • Michel Denuit and Anne Cornet

A Fuzzy Approach to Grouping by Policyholder Age In General Insurance • Richard J. Verrall and Yakoub H. Yakoubov

Determination of Optimal Premiums as a Constrained Optimization Problem • Farrokh Guiahi

Credibility Calculations Using Analysis of Variance Computer Routines • H. Dennis ...


The Market Revolution In Bank And Insurance Firm Governance: Its Logic And Limits, David A. Skeel Jr. Jan 1999

The Market Revolution In Bank And Insurance Firm Governance: Its Logic And Limits, David A. Skeel Jr.

Faculty Scholarship at Penn Law

No abstract provided.