Push now, pay later
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| Tag | 1 | 2 | Valor |
|---|---|---|---|
| LDR | 00000cab a2200000 4500 | ||
| 001 | MAP20260004150 | ||
| 003 | MAP | ||
| 005 | 20260213092310.0 | ||
| 008 | 260212e20260202gbr|||p |0|||b|eng d | ||
| 040 | $aMAP$bspa$dMAP | ||
| 084 | $a6 | ||
| 100 | $0MAPA20260003016$aVaghela, Jateen | ||
| 245 | 1 | 0 | $aPush now, pay later$cJateen Vaghela |
| 520 | $aThe article examines the guarantee dilemma in the insurance industry: management teams gain short-term rewards by selling long-term guaranteed products, while the real costs surface decades later and fall on future teams. Historical cases such as Equitable Life, AIG, and The Hartford show how misaligned incentives, behavioral biases, and weak governance lead to underestimated risks. The text also highlights modern versions of the dilemma, including asset-intensive reinsurance and participating products in Asia. It concludes by urging actuaries to take a stronger role-challenging underpriced risks, improving governance structures, and applying rigorous modelling, stress testing, and product lifecycle planning to secure long-term sustainability | ||
| 650 | 4 | $0MAPA20080598358$aProductos de seguros | |
| 650 | 4 | $0MAPA20080564322$aTarificación | |
| 650 | 4 | $0MAPA20080558901$aInfraseguro | |
| 650 | 4 | $0MAPA20080616106$aCálculo de probabilidades | |
| 650 | 4 | $0MAPA20080619022$aCiclo de vida del producto | |
| 773 | 0 | $wMAP20200013259$g02/02/2026 Number 7 - February 2026 , p. 46 - 49$tThe Actuary : the magazine of the Institute & Faculty of Actuaries$dLondon : Redactive Publishing, 2019- |