The policy paper Bridging the Longevity Divide examines the differences in life expectancy across socio-economic groups and potential retirement income implications, including lifetime income products. It identified a striking 11.5 year difference in life expectancy at age 60 between men in the most and least advantaged socio-economic profiles examined. Among women, the gap was 9.1 years.

Open Dataset: Australian Socio-Economic Mortality Dataverse

Technical Paper: Towards Fairer Retirement Outcomes: Socio-economic Mortality Differentials in Australia

Media coverage: [Financial Standard] [Super Review] [Professional Planner] [selfmanagedsuper] [Financial Newswire] [AdviserVoice] [SMSF Adviser]

A practical framework for developing, evaluating, and auditing fair algorithmic pricing systems by regulators and practitioners. 

This report offers a critical and practical framework to help evaluate and implement fairness in life insurance, recognizing that fairness is contextual and not one-size-fits-all.

Measuring fairness in life insurance is inherently complex. The paper reveals that fairness criteria varies for both individuals and groups. The paper demonstrates that each approach carries ethical, operational, and financial trade-offs for insurers.

Invited by the New York State Assembly for Public Hearing as a global expert on AI in Insurance 

I contributed to the development of the Guidance as a member of the Actuaries Institute's Anti-discrimination Working Group and received the Actuaries Institute's Volunteer of the Year Award for this contribution. Two research papers, Frees and Huang (2021) and Xin and Huang (2023), on anti-discrimination insurance pricing were included as academic resources. This Guidance Resource provides important information and suggestions to professionals and businesses as to how to properly apply, and comply with, anti-discrimination laws when making AI-informed decisions in the course of actuarial practice in the insurance and other related industries.