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Old 08-30-2018, 11:17 AM
Noxwalrus Noxwalrus is offline
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Join Date: Oct 2016
College: The University of Michigan
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Default How to test if mortality should be modeled separately for different products

So I'm looking at modeling mortality for multiple products, but a subset of these products have living benefits. Based on some industry studies I believe that we might want to model the two types separately. Does anyone know of a good statistical method to determine if the population mortality is significantly different between the two? Initial research keeps bringing up the K-S test, but I'm curious if any of you have ideas.

I'm mainly working with central exposure and number of deaths at each age. All of our data is left truncated since we don't know if a death occurred when the claim amount is $0. This is reinsurance so there's actually a good number of $0 deaths that just look like lapses in our data.
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