1. Welfare Implications of Fair and Accountable Insurance Pricing (with Hajime Shimao), Journal of Risk and Insurance, 2026 (SSRN version)

2.  Anti-discrimination Insurance Pricing: Regulations, Fairness Criteria, and Models (with Xi Xin (PhD candidate)), North American Actuarial Journal,  2024 

This paper has received the Carol Dolan Actuaries Summit Prize (2022), ASTIN Colloquium Best Paper Award (2022), American Academy of Actuaries' Academy Award for Research (2025), North American Actuarial Journal Best Paper Award (2025), and American Risk and Insurance Association (ARIA) Patrick Brockett & Arnold Shapiro Actuarial Award (2026).

3.  The Discriminating (Pricing) Actuary (with Edward (Jed) Frees), North American Actuarial Journal, 2023

Working papers:

4. Fairness Testing for Algorithmic Pricing (with Giles Hooker), Working Paper, 2026 (arXiv version)

5. Do Fair Algorithms Improve Welfare? Evidence from the Insurance Market (with Hajime Shimao and Warut Khern-am-nuai), Working Paper. 2026 (SSRN version)

6. How Proxy Race Distorts Regression-Based Fairness Audits (with Xi Xin and Giles Hooker), Working Paper, 2026 (arXiv version)

7. Learning Fair Decisions with Factor Models: Applications to Annuity Pricing (with Junhao Shen, Yanrong Yang, and Ran Zhao), Working Paper 2025 (arXiv version)

8. Marginal Fairness: Fair Decision-Making under Risk Measures (with Silvana M. Pesenti), Working Paper. 2025 (SSRN version /  arXiv version)

1.  Beyond the Binary: Gender Bias in LLM-Evaluated Insurance Claims. (with Md Mushahidul Islam Shamim, Warut Khern-am-nuai, and Maxime C Cohen), 2026 (SSRN version)

1.  Evaluating AlphaEarth Foundations Embeddings for Wildfire Susceptibility Mapping (with Yuan Zhuang, Sanaa Hobeichi, and Peng Shi), 2026 (arXiv version)

1.  Pitfalls in machine learning interpretability: Manipulating partial dependence plots to hide discrimination. (with Xi Xin and Giles Hooker), Insurance: Mathematics and Economics, 2025 (arXiv version)

1.  Towards Fairer Retirement Outcomes: Socio-economic Mortality Differentials in Australia (with Francis Hui and Andres Villegas) Working Paper. 2025 (SSRN version / Australian Socio-Economic Mortality Dataverse /Australian Longevity Explorer )

2. Huang F; Maller R; Ning X, 2020, 'Modelling life tables with advanced ages: An extreme value theory approach', Insurance Mathematics and Economics, 93, pp. 95 - 115, http://dx.doi.org/10.1016/j.insmatheco.2020.04.004
   Software Package: STLT: STLT fits the Smooth Threshold Life Table (STLT) and Dynamic Smooth Threshold Life Table (DSTLT) as outlined in the paper. It also provides S3 methods for predicting using fitted STLT and DSTLT models, as well as plotting the fitted lines.

1. Multi-State Modelling of Customer Churn (with Yumo Dong, Edward (Jed) Frees, Francis Hui), ASTIN Bulletin, 2022 (SSRN version)

2. A Joint Model of Cost and Churn for the Insurance Industry  (with Yumo Dong, Edward (Jed) Frees, Francis Hui, and Harald van Heerde), Journal of Risk and Insurance, 2026 (SSRN version)

1. Zhu F; Dong Y; Huang F, 2025, 'Data-rich Economic Forecasting for Actuarial Applications', Insurance, Mathematics & Economics, 124, http://dx.doi.org/10.1016/j.insmatheco.2025.103126

2. Fahrenwaldt M; Furrer C; Hiabu ME; Huang F; Jørgensen FH; Lindholm M; Loftus J; Steffensen M; Tsanakas A, 2024, 'Fairness: plurality, causality, and insurability', European Actuarial Journal, 14, pp. 317 - 328, http://dx.doi.org/10.1007/s13385-024-00387-3

3. Zhang X; Huang F; Hui FKC; Haberman S, 2023, 'Cause-of-death mortality forecasting using adaptive penalized tensor decompositions', Insurance Mathematics and Economics, 111, pp. 193 - 213, http://dx.doi.org/10.1016/j.insmatheco.2023.05.003

4. He L; Huang F; Shi J; Yang Y, 2021, 'Mortality forecasting using factor models: Time-varying or time-invariant factor loadings?', Insurance Mathematics and Economics, 98, pp. 14 - 34, http://dx.doi.org/10.1016/j.insmatheco.2021.01.006

5. Ma J; Huang F; Bruhn A, 2020, 'Estimating China’s Future Life Insurance Market', Asia-Pacific Journal of Risk and Insurance, 15, http://dx.doi.org/10.1515/apjri-2019-0027

6. Ferreira A; Huang F, 2018, 'Is human life limited or unlimited? (A discussion of the paper by Holger Rootzén and Dmitrii Zholud)', Extremes, 21, pp. 373 - 382, http://dx.doi.org/10.1007/s10687-018-0318-8

7. Huang F; Yu H, 2018, 'Optimal reinsurance: A reinsurer's perspective', Annals of Actuarial Science, 12, pp. 147 - 184, http://dx.doi.org/10.1017/S1748499517000161

8. Huang F; Browne B, 2016, 'Mortality forecasting using a modified Continuous Mortality Investigation Mortality Projections Model for China I: Methodology and country-level results', Annals of Actuarial Science, 11, pp. 20 - 45, http://dx.doi.org/10.1017/S1748499516000142

9. Huang F, 2016, 'Mortality forecasting using a modified CMI Mortality Projections Model for China II: Cities, towns and counties', Annals of Actuarial Science, 11, pp. 46 - 66, http://dx.doi.org/10.1017/S174849951600018X

10. Huang F; Butt A; Ho KY, 2014, 'Stochastic economic models for actuarial use: An example from China', Annals of Actuarial Science, 8, pp. 374 - 403, http://dx.doi.org/10.1017/S1748499514000104

1. Aas K; Charpentier A; Huang F; Richman R, 2024, 'Insurance analytics: Prediction, explainability, and fairness', Annals of Actuarial Science, 18, pp. 535 - 539, http://dx.doi.org/10.1017/S1748499524000289

2. Dolman C; Frees E; Huang F, 2021, 'Multidisciplinary collaboration on discrimination - Not just Nice to Have', Annals of Actuarial Science, 15, pp. 485 - 487, http://dx.doi.org/10.1017/S174849952100021X