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"Halley's Comet has been prominently displayed in many newspapers during the last few months. For the first time in 76 years it appeared this winter, the nocturnal sky. This is an appropriate occasion to clearly visible against point out the fact that Sir Edmund Halley also constructed the world's first life table in 1693, thus creating the scientific foundation of life insurance. Halley's life table and its successors were viewed as deterministic laws, i. e. the number of deaths in any given group and year was considered to be a well defined number that could be calculated by means of a life table. However, in reality this number is random. Thus any mathematical treatment of life insurance will have to rely more and more on probability theory. By sponsoring this monograph the Swiss Association of Actuaries wishes to support the ""modern"" probabilistic view of life contingencies. We are fortu­ nate that Professor Gerber, an internationally renowned expert, has assumed the task of writing the monograph. We thank the Springer-Verlag and hope that this monograph will be the first in a successful series of actuarial texts. Zurich, March 1986 Hans Biihlmann President Swiss Association of Actuaries Preface Two major developments have influenced the environment of actuarial math­ ematics. One is the arrival of powerful and affordable computers; the once important problem of numerical calculation has become almost trivial in many instances."

Enhanced Natural Processing, Learnining and Retention. Think Faster with this Once-a-Day Formula. Gluten Free. Non-GMO. Weve all heard the term think fast. But what does that mean? Well, there are measurable processes in your brain that govern retention, recall and processingand the right nutrients can support them all. If you've ever wanted to think faster on your feet, you're not alone. Millions of Americans are looking for a way to stay alert, remain focused, learn faster and generally promote their cognitive abilities to better navigate the world around them. These three nutrients have impressive data to support exactly those brain functions. Lutein and zeaxanthin carotenoids. Because they are heavily concentrated in macular pigment, lutein and zeaxanthin are associated with eye healthbut they are also found in the brain. This is significant because three, year-long, independent studies indicate that these carotenoids can also encourage improved spatial memory, reasoning skills and complex attention scores. These positive cognitive results appeared regardless of age: healthy older adults taking lutein and zeaxanthin saw increased measurements of their ability to filter out irrelevant information while multitaskingas well as increased activity in the left prefrontal area of the brain involved in understanding verbal information, forming long-term memories, focusing on challenges and more. Young people (ages 18 to 25) taking these carotenoid nutrients for six months also showed improved cognitive performance, as well as healthy levels of brain-derived neurotrophic factora neurotransmitter modulating compound essential to healthy learning and memory formation. Gotu kola (Centella asiatica). Gotu kola has been the subject of extensive research. Eleven different studies showed that C. asiatica can help improve both alertness and mood health. However, it's important to understand that traditional gotu kola extracts aren't standardizedand this makes a big difference when you look at the results. A two-month study had healthy adults either take a gotu kola extract standardized to a naturally occurring compound called, asiaticoside," or a placebo. The first group showed significant improvements in their working memory, word recognition, spatial memory and alertness. They also reported feeling calmer. Water hyssop (Bacopa monnieri). Bacopa monnieri extract is a very popular study aid, and for good reason. In one study, a group that ranged between 18 and 60 years old were given bacopa, daily. After only three months they beganprocessing visual information faster, had better learning rates and easier memory consolidationand even reported worrying less. Several studies of adults between the ages of 45 and 65 also indicated improved working memory, attention, and memory qualityin as little as four weeks. Additional improvements included visual processing speeds, verbal learning, as well as memory retention.

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This book presents a market-consistent valuation framework for implicit embedded options in life insurance contracts. This framework is used to perform an empirical analysis based on more than 110,000 actual and in-force life insurance policies and with a focus on the modeling of interest rates. Its results are the answer to the central question posed in the objectives: What value do the embedded options and guarantees considered have? This question is answered both absolutely and relative to the current policy reserves, from the perspective of the insurer, the policyholder and the shareholder respectively

Find Life, Accident & Health by Rodney M. Jefferson in Paperback and other formats in Business & Economics > Insurance - Life.

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