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1、CasualtyActuarialSocietyEstimatingUnpaidClaimsUsingBasicTechniquesJacquelineFriedland,FCAS,FCIA,MAAA,FCAKPMGLLPWithsignificantcontributionsbyRachelDutil,FCAS,FCIAandEdwardLam,ACASKPMGLLP©CasualtyActuarialSociety,2009ESTIMATINGUNPAIDCLAIMSUSINGBASICTECH
2、NIQUESJacquelineFriedland,FCAS,FCIA,MAAA,FCAKPMGLLPWithsignificantcontributionsbyRachelDutil,FCAS,FCIAandEdwardLam,ACASKPMGLLPMarch2009EstimatingUnpaidClaimsUsingBasicTechniquesAcknowledgmentsIthasbeenatruehonorandprivilegetopreparethisnewtexttitledEst
3、imatingUnpaidClaimsUsingBasicTechniquesfortheCasualtyActuarialSociety(CAS).SpecialthanksgotomyKPMGcolleaguesRachelDutilandEdwardLam.Rachelread,proofed,critiqued,modified,andultimatelyimprovedeachandeverydraftversionofthistext.Hercontributionsweretremen
4、dousateverystepoftheprocess.EdwardLampreparedallofthesupportingexhibitsandassistedwithmuchoftheresearchrequiredforthetext.Healsoreviewedmost,ifnotall,ofthedraftversions.Thistextcouldnothavebeencompletedinsuchatimelymannerwithouttheirinvaluableinput.Ial
5、sowanttothankmyKPMGcolleaguesinTorontoandtheUnitedStateswhoassistedinreviewingvariousversionsofthetext.EachmemberoftheKPMGTorontoActuarialPracticewasinvolvedatonepointoranotherinreviewingthistext.ThankstomembersoftheCASTaskForcefortheirinputandfeedback
6、.Finally,IwanttoacknowledgethesignificantcontributionsofRalphBlanchard,EdwardY.Yao,WynandViljoen,andEugenevanderWesthuizen.Theirinternationalexperienceandknowledgewasparticularlyvaluableinensuringthatthetextwillhaverelevanceforactuariespracticingthroug
7、houttheworld.TheobjectiveoftheCASincreatinganewtextthataddressedtheestimationofunpaidclaimswastoreplaceanumberofreadingsthatexistedonthesyllabusofbasiceducationasof2007withasingleeducationalpublication.Thus,candidatespreparingfortheactuarialexamaddress
8、ingtheestimationofunpaidclaimsusingbasictechniqueswouldbeabletoreplacenumerouspapers,whichwerewrittenovera30-yearperiod,withasingletext.Twomajorbenefitsofoneeducationalpublicationare(1)consistentdefinitionsoftermsand(2)examplesthatareus
