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1、Thisarticlewasdownloadedby:[ZhejiangUniversity]On:25December2012,At:05:43Publisher:Taylor&FrancisInformaLtdRegisteredinEnglandandWalesRegisteredNumber:1072954Registeredoffice:MortimerHouse,37-41MortimerStreet,LondonW1T3JH,UKJournaloftheAmericanStatisticalAssociationPublicationdetails,inclu
2、dinginstructionsforauthorsandsubscriptioninformation:http://www.tandfonline.com/loi/uasa20HierarchicalInsuranceClaimsModelingEdwardW.FreesandEmilianoA.ValdezEdvardW.FreesisAssurantHealthProfessorofActuarialScience,SchoolofBusiness,UniversityofWisconsin,Madison,WI53706.EmilianoA.ValdezisPro
3、fessorofActuarialScience,DepartmentofMathematics,UniversityofConnecticut,Storrs,CT06269-3009.TheauthorsacknowledgetheresearchassistanceofMitchellWills,ShiPeng,andKatrienAntonio.TheworkofFreeswassupportedbytheNationalScienceFoundation(grantSES-0436274)andtheAssurantHealthInsuranceProfessors
4、hip.TheworkofValdezwassupportedbytheAustralianResearchCouncilthroughDiscoverygrantDP0345036andtheUNSWActuarialFoundationoftheInstituteofActuariesofAustralia.Theauthorsthanktheassociateeditorandthreerefereesforextensivecommentsthatledustoreformulatemuchofthemanuscript.Versionofrecordfirstpu
5、blished:01Jan2012.Tocitethisarticle:EdwardW.FreesandEmilianoA.Valdez(2008):HierarchicalInsuranceClaimsModeling,JournaloftheAmericanStatisticalAssociation,103:484,1457-1469Tolinktothisarticle:http://dx.doi.org/10.1198/016214508000000823PLEASESCROLLDOWNFORARTICLEFulltermsandconditionsofuse:h
6、ttp://www.tandfonline.com/page/terms-and-conditionsThisarticlemaybeusedforresearch,teaching,andprivatestudypurposes.Anysubstantialorsystematicreproduction,redistribution,reselling,loan,sub-licensing,systematicsupply,ordistributioninanyformtoanyoneisexpresslyforbidden.Thepublisherdoesnotgiv
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