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Survivorship (Pricing considerations (Mortality (Contagion risk (broken…

- - - - broken-heart syndrome
      - apply a multiple to mort.
      - Joint accidental
- - - - age rate-up
      - extra premium => table rating or flat extra
  - - - can't be terminally ill
      - at least 1-2 yrs of life expectancy
      - a separate UW
- - - - Blend of one-alive and two-alive
      - => smooth CV and reserves
    - - three scenarios
      - CV and reserves jump upon 1st death
  - - - Dual is harder to admin
    - - Dual helps avoid anti-selection
    - - Dual: agents have to prepare 3 CSV illustrations
        Single: only 1 version
  - - - Reg: JEA CSV >= exact age CSV
    - - Fraserization
      - overcharge mort. in early age, undercharge in later age
    - - calc all age combinations => cumbersome