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Contributor Biographies

Stephen J. Richards

Director, Longevitas Ltd., UK

Stephen J. Richards is a director of Longevitas Ltd., a compnay providing analytical software for mortality, longevity, and other demographic risks. The business spans the United Kingdom, the United States, Germany, and Australia, with users of the software including insurers, reinsurers, consulting actuaries, and regulators. He is a fellow of the Faculty of Actuaries in the UK and he holds a PhD from Heriot-Watt University, where he is also an honorary research fellow. He is an adviser to the CMI's Technical Committee in teh UK and is an active researcher on the application of modern statistical techniques to business problems faced by life insurers.


Articles by this Author

  • A Value-At-Risk Framework for Longevity Trend Risk
    by Stephen J. Richards
    “Whereas a catastrophe can occur in an instant, longevity risk takes decades to unfold.” The Economist (2012)Longevity risk is different from many others faced by insurers and pension schemes because the risk lies in the long-term trend taken by mortality rates. However, although longevity is typically a long-term risk, it is often necessary to pose questions over a short-term horizon, such as a year.Two useful questions in risk management and...

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