Re: Wade problem

Mary Frances Miller ( Mary_Frances_Miller@sedgus.com )
Tue, 19 May 1998 07:41:39 -0500

I don't see how you could logically conclude that, selling 300 more =

policies, you would have the same losses. How are you going to find=
=

300 policyholders with a guarantee that they will be loss free -- I =

want stock in your company!!
=

mf

______________________________ Reply Separator __________________________=
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Subject: Wade problem
Author: steve.manilov@milliman.com at _internet
Date: 5/18/98 12:33 PM

There was a Wade problem on the exam (can't lookup the number at the mome=
nt) =

where you were to evaluate a new strategy using the Contribution Method. =
The =

company was selling 1,000 policies and had such and such losses and expen=
ses. =

The new strategy proposed cutting rates by 5% and sell 300 more policies.=
=

Expenses don't change. The question was if the new strategy is better. =

The way the problem was worded on the exam mentioned nothing about the lo=
sses. =

If we assume losses stay the same then after a simple calculation we se=
e the =

new strategy is better. If, on the other hand, losses increase proportio=
nately =

(which makes sense since the company would have more exposures of the sam=
e =

quality) then the new strategy is not better. How did you solve this pro=
blem? =

Do you think the problem was ambiguous since they mentioned nothing about=
the =

losses?
=

Steve
=

=

=

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