Behavioral lapse models that fail in stress are not a modeling footnote, they are a direct earnings and capital problem for life and health reinsurers. Here is why the failure happens and what it costs.
Biometric risk correlation after population events is the diagnosis problem growing quietly behind biometric-informed reinsurance portfolios. Here is why individually strong risk signals can become correlated portfolio risk overnight.
Mortality improvement assumptions after structural shocks stop matching real experience because the tables were built for calmer health and social conditions. Here is why the gap opens and how reinsurers should read it.