SCOR选择定价和反选择定价

SINGAPORE ACTUARIAL CONFERENCE 202426 -29 August 2024Avoid filling this space with text, will not be seen by audiencePricing for Selection and Anti-SelectionBen RandallHead of Pricing, South EastAsiaSCOR27thAugust 2024SINGAPORE ACTUARIAL CONFERENCE 202426 -29 August 2024Selection and Anti-SelectionINSURERINSURERUnderwritingSum AssuredOther Selective ControlsSales ChannelPolicy WordingSINGAPORE ACTUARIAL CONFERENCE 202426 -29 August 2024The Right BalanceThis presentation objectives:•Inform & share•Opine•Develop…for the Singapore actuarial communitySINGAPORE ACTUARIAL CONFERENCE 202426 -29 August 2024Agenda:•Low concern examples•Underwriting changes•Medium concern/impact•Gender-neutral pricing•Embedding selective benefits•Major concern/impact•US Post-Level Term•Methodologies and strategies•Looking to the future•Question timeSINGAPORE ACTUARIAL CONFERENCE 202426 -29 August 2024NML ChangeRisk meterNo/minor market =>deviationRisk meterRisk meterPriceable with low anti-selection riskMarket