Insurance Commons^™

Principal Health Care (Phc) Newsletter, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

No abstract provided.

Booklet: An Approach To Retaining Valuable Human Resources: Concept Paper, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

No abstract provided.

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.

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.

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.

Blue Cross Blue Shield Coalition Wins Motion On Anti-Tobacco Lawsuit, 2/26/1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A statement release about BCBS coalition wins motion on Anti-Tobacco Lawsuit from February 26, 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.

Ua25/2 Connections, Wku Human Resources

WKU Administration Documents

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.

Florida Blue Archives Printed Materials

January 4, 1999 bi-weekly newsletter published for employees of Blue Cross and Blues Shield of Florida.

Blue Cross And Blue Shield Of Florida Completes Purchase Of Principal Health Care Of Florida, 1/4/1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A news release about BCBSF completing the purchase of Principal Health Care of Florida from January 4, 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, …

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.

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.

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 premiums by classes. …

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. …

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.

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 …

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

College of Business Faculty and Staff Works

No abstract provided.

Principal Health Care Packet, 1999, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Packet includes: Special Sales Bulletin, 1999, Principal Health Care letter to members, Principal Health Care Q&A, and Principal Health Care Primary Care Physicians/Lab Facilities Directory. Box 22A, Folder 1

Principal Healthcare - Important New Contact Information Sheet, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Important New Contact Information for Tampa and Orlando informational guide.1999.

1999-2000 Corporate Directory, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

1999-2000 corporate directory.

Principal Health Care Agent Update, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

1999 agent update regarding changes to Blue Cross and Blue Shield of Florida products.

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 …

Medical Management Framework Presentation- Anderson Consulting, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Medical Management Framework Presentation- Anderson Consulting.

Blue Cross And Blue Shield Of Florida Annual Report: 1999, Blue Cross Of Florida, Inc.

Florida Blue Archives Printed Materials

Annual company report for 1999 detailing Blue Cross of Florida's business operations, financial assets and expenditures, and executive leadership.

Quick Connections December 18, 1998, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

December 18, 1998 bi-weekly newsletter published for employees of Blue Cross and Blues Shield of Florida.

Statement, "Talking Points; Highlights Of 1998", Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

No abstract provided.

Quick Connections December 4, 1998, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

December 4, 1998 bi-weekly newsletter published for employees of Blue Cross and Blues Shield of Florida.

Central Bank Of Nigeria Statistical Bulletin, December 1998, Central Bank Of Nigeria

CBN Statistical Bulletin

The explanatory notes outline the methods for compiling financial, public finance, national accounts, and international trade statistics in Nigeria. Financial statistics are compiled from balance sheets and financial statements, covering lending and deposit interest rates, bank liquidity, and clearing house statistics. Public finance statistics include government revenue, expenditure, and debt, as well as debt conversion programs and promissory notes. National accounts are based on the System of National Accounts and include data on GDP, Gross Fixed Capital Formation, consumption expenditure, and Gross National Savings. International trade statistics measure the value and quantity of imports and exports, presented in the Standard …