Financial/Actuarial Mathematics Seminar

Fall 2004: Thursdays 3:10-4:00, 3088 East Hall



Forward risk adjusted measure and its applications to insurance

Sheldon Lin

University of Toronto, Department of Statistics

November 18, 2004



Abstract

The first half of this talk will be expository. I will review one-factor Gaussian forward rate model, Jamshidian's forward risk adjusted measure and related closed form formulas for options on bonds. Forward rate models are arguably more suitable than short rate models for pricing and analyzing insurance and annuity products. To illustrate, I will derive the stochastic processes for life insurances and a closed form formula for the value of the guaranteed minimum death benefit (GMDB) of a variable annuity.


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