PDF Download Variable AnnuitiesBy Tigran Kalberer, Kannoo Ravindran

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Variable AnnuitiesBy Tigran Kalberer, Kannoo Ravindran

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Variable Annuities provides an overview of all the relevant aspects of variable annuity (VA) products from an insurers perspective. It is a collection of contributions from several authors, co-ordinated in such a way that it covers all relevant areas with minimal overlap and a consistent level of detail. The market is of huge interest for US, European and Japanese insurers.
For several hundred years, the insurance industry has offered a tremendous variety of life insurance products. Some of these life insurance products are aimed at providing investment possibilities, such as with-profits endowments and annuity products. These products typically provide substantial investment guarantees, which is one of their main advantages, along with tax privileges and the fact that the assets are managed prudently.

The success of these products can be traced back to the fact that together with the distribution model, directly approaching potential customers, these products are ideal for the clients that are either less sophisticated in planning for their retirement, or do not want to invest efforts in this planning or have avoided to address this topic at all.

But there are some clear disadvantages, which may not be relevant to all, but to some customers and the forces of competition lead companies to develop new products, which addressed these disadvantages, which are:

• The opaqueness of the investment process
• The lack of customer-control over the investment process
• The not sufficient profit sharing of returns above the investment guarantee – and the opaqueness of this profit sharing mechanism

Over time it has become apparent that there is an additional disadvantage from a company perspective, which is the substantial required risk capital these products generate due to the guarantees they provide.

All these problems can be addressed with so-called unit linked products – at the expense of not providing investment guarantees any more.
Unit-linked products invest the savings part of the premiums of the policyholder transparently in investment vehicles, mostly internal or external funds and let the policyholder participate fully in the investment returns of these funds – the upside as well as the downside.

While these products clearly address the issues mentioned above they typically do not provide any investment guarantees any more.

The obvious step now is to build investment guarantees into unit-linked products – this is what Variable Annuities provide.

Variable Annuities combine the advantages of traditional life insurance products – long term investment guarantees, with the advantages of unit-linked products – transparency of the investment and full upside participation.

This of course comes with a price:

• The policyholder has to pay a premium for the additional investment guarantee
• The shareholder has to manage the substantial risks generated by such products

Nevertheless these products have had a tremendous success in the US and in the past few years we have seen these products being offered in the European markets. These products are new to Europe, except in some locations, where they have been widespread, e.g., Switzerland, and have generated a lot of interest as they can address the weaknesses of the traditional life products.

New sales volumes are encouraging and we can witness the creation of a new product class, after the unit-linked products have entered the European market some decennia ago.

The book covers:

* History of the VA market
* Current VA market environment in North America, Europe, Australasia
* Valuation of VA contracts
* Risks and Risk Management of VAs
* An analyst and rating agency’s view of a VA writer
* Insurance regulations governing VAs
* Liquidity in global derivatives markets
* Effectiveness of hedging programs during the market turmoil

• Sales Rank: #1522415 in eBooks
• Published on: 2009-12-01
• Released on: 2009-12-01
• Format: Kindle eBook

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Download Ebook Howard Hughes: His Life and MadnessBy Donald L. Barlett, James B. Steele

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The life that inspired the major motion picture The Aviator, starring Leonardo DiCaprio and directed by Martin Scorsese.

Howard Hughes has always fascinated the public with his mixture of secrecy, dashing lifestyle, and reclusiveness. This is the book that breaks through the image to get at the man. Originally published under the title Empire: The Life, Legend, and Madness of Howard Hughes. 80 photographs

• Sales Rank: #70526 in Books
• Color: Paperback,
• Brand: Barlett, Donald L./ Steele, James
• Published on: 2004-09-17
• Original language: English
• Number of items: 1
• Dimensions: 9.20" h x 1.20" w x 6.10" l, 2.10 pounds
• Binding: Paperback
• 688 pages

Review
“Donald Barlett and James Steele of The Philadelphia Inquirer, the finest team of reporters west of The Times of London, herewith present the perfect biography of the weirdest, most fascinating, most god-awful corporate creature you will ever encounter in broad daylight.” (Robert Sherrill - Nation)

“[The authors] have made an impressive use of documents to fashion this longest, most responsible and authoritative biography of Hughes to date.” (Peter S. Prescott - Newsweek)

“Now the full story of the life and death of Howard Hughes has been published, told not as cheap gossip but as a dazzlingly reported, hard-nosed account...[A] fat, beautifully researched book.” (John Justin Smith - Chicago Sun-Times)

“By far the soundest, fairest and fullest book we have on the bizarre billionaire who commanded the fortunes of Croesus yet could not command himself. It is the story of a man who had everything―and nothing.” (John Barkham Reviews)

“Of all the books written about Howard Hughes, [this] is easily the best...the first fully documented, crade-to-grave account of a unique American life.” (Ted Morgan - New York Times Book Review)

About the Author
Donald L. Barlett and James B. Steele, Time editors-at-large, are the only journalists in history to win two Pulitzer Prizes and two National Magazine Awards.

James B. Steele and Donald L. Barlett, Time editors-at-large, are the only journalists in history to win two Pulitzer Prizes and two National Magazine Awards.

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PDF Download Bayesian Models: A Statistical Primer for EcologistsBy N. Thompson Hobbs, Mevin B. Hooten

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Bayesian Models: A Statistical Primer for EcologistsBy N. Thompson Hobbs, Mevin B. Hooten

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Bayesian modeling has become an indispensable tool for ecological research because it is uniquely suited to deal with complexity in a statistically coherent way. This textbook provides a comprehensive and accessible introduction to the latest Bayesian methods--in language ecologists can understand. Unlike other books on the subject, this one emphasizes the principles behind the computations, giving ecologists a big-picture understanding of how to implement this powerful statistical approach.

Bayesian Models is an essential primer for non-statisticians. It begins with a definition of probability and develops a step-by-step sequence of connected ideas, including basic distribution theory, network diagrams, hierarchical models, Markov chain Monte Carlo, and inference from single and multiple models. This unique book places less emphasis on computer coding, favoring instead a concise presentation of the mathematical statistics needed to understand how and why Bayesian analysis works. It also explains how to write out properly formulated hierarchical Bayesian models and use them in computing, research papers, and proposals.

This primer enables ecologists to understand the statistical principles behind Bayesian modeling and apply them to research, teaching, policy, and management.

• Presents the mathematical and statistical foundations of Bayesian modeling in language accessible to non-statisticians
• Covers basic distribution theory, network diagrams, hierarchical models, Markov chain Monte Carlo, and more
• Deemphasizes computer coding in favor of basic principles
• Explains how to write out properly factored statistical expressions representing Bayesian models

• Sales Rank: #178740 in Books
• Published on: 2015-08-04
• Original language: English
• Number of items: 1
• Dimensions: 9.30" h x .90" w x 6.20" l, .0 pounds
• Binding: Hardcover
• 320 pages

From the Back Cover

"This pitch-perfect exposition shows how Bayesian modeling can be used to quantify our uncertain world. Ecologists--and for that matter, scientists everywhere--are aware of these uncertainties, and this book gives them the understanding to do something about it. Hobbs and Hooten take us on a signposted journey through the culture, construction, and consequences of conditional-probability modeling, readying us to take our own scientific journeys through uncertain landscapes."--Noel Cressie, University of Wollongong, Australia

"Hobbs and Hooten provide a complete guide to Bayesian thinking and statistics. This is a book by ecologists for ecologists. One of the powers of Bayesian thinking is how it enables you to evaluate knowledge accumulated through multiple experiments and publications, and this excellent primer provides a firm grounding in the hierarchical models that are now the standard approach to evaluating disparate data sets."--Ray Hilborn, University of Washington

"In this uniquely well-written and accessible text, Hobbs and Hooten show how to think clearly in a Bayesian framework about data, models, and linking data with models. They provide the necessary tools to develop, implement, and analyze a wide range of ecologically interesting models. There's something new and exciting in this book for every practicing ecologist."--Aaron M. Ellison, Harvard University

"Hobbs and Hooten provide an important bridge between standard statistical texts and more advanced Bayesian books, even those aimed at ecologists. Ecological models are complex. Building from likelihood to simple and hierarchical Bayesian models, the authors do a superb job of focusing on concepts, from philosophy to the necessary mathematical and statistical tools. This practical and understandable book belongs on the shelves of all scientists and statisticians interested in ecology."--Jay M. Ver Hoef, Statistician, NOAA-NMFS Alaska Fisheries Science Center

"Tackling an important and challenging topic, Hobbs and Hooten provide non-statistically-trained ecologists with the skills they need to use hierarchical Bayesian models accurately and comfortably. The combination of technical explanations and practical examples is great. This book is a valuable contribution that will be widely used."--Benjamin Bolker, McMaster University

"This excellent book is one of the best-written and most complete primers on Bayesian hierarchical modeling I have seen. Hobbs and Hooten anticipate many of the common pitfalls and concerns that arise when non-statisticians are introduced to this material. Researchers across a wide range of disciplines will find this book valuable."--Christopher Wikle, University of Missouri

About the Author
N. Thompson Hobbs is senior research scientist at the Natural Resource Ecology Laboratory and professor in the Department of Ecosystem Science and Sustainability at Colorado State University. Mevin B. Hooten is associate professor in the Department of Fish, Wildlife, and Conservation Biology and the Department of Statistics at Colorado State University, and assistant unit leader in the US Geological Survey's Colorado Cooperative Fish and Wildlife Research Unit.

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Get Free Ebook Oscar and the Lady in PinkBy ERIC-EMMANUEL SCHMITT

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• Sales Rank: #1101635 in Books
• Published on: 2005
• Ingredients: Example Ingredients
• Format: Import
• Original language: English
• Number of items: 1
• Dimensions: 7.32" h x .43" w x 5.39" l, .51 pounds
• Binding: Hardcover
• 96 pages

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