tracy95

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tracy95
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  • Can I please confirm if FCF can express as one of the following: FCF = (Future cash inflows - Future cash outflows + effect of discounting - RA) FCF = (-Future cash inflows + Future cash outflows - effect of discounting + RA)?
    in Formula for FCF Comment by tracy95 April 2022
  • chg(premium liab) = APV* interest rate shock* modified duration. Why do we include maintenance cost as part of APV? I thought APV is only PV+ Pfad. Or APV here actually means Premium liab(UPR) and thus we need to include maintenance cost?
    in Spring 2016 #13 Comment by tracy95 April 2022
  • Thanks! I have a follow-up question. To calculate (6) -cost of capital, why we are multiplying to the payment remaining@beginning of the year instead of to payment remaining@end of the year?
    in Commutation example Comment by tracy95 April 2022
  • Hi! In this question, I know the question gives the Gross PV which is 53k. But can we calculate gross PV by ((gross unearned premium)ELR +ULAE)PV factor since the question also gives us gross unearned premium. The calculated gross PV is around 59K …
    in Fall 2017 Question 15 Comment by tracy95 April 2022
  • Is tax credit same as tax deductible? Thanks!
    in Tax treatment Comment by tracy95 April 2022
  • Sorry, are you referring to the column 3? To clarify, I am asking column 7 and why does it start with 1 instead of 0?
    in Commutation example Comment by tracy95 April 2022
  • Hi, why is the number of year to discount for risk margin at 2016 1 instead of 0? Isnt the pmt remaining @ beginning of 2016 is at current point of time?
    in Commutation example Comment by tracy95 April 2022
  • The 3 policies in the BA card #18 are the examples for file and use. A better question would be, is FA excluded from BOTH expedited approval and file & use, or FA is just excluded from expedited approval, and is acceptable for File & Use?
    in Ontario Non-PPA Filings - File and Use? Comment by tracy95 March 2022
  • Hi Graham, one of the examples for file and use (BA card #18) is "FA is excluded (not eligible for expedited approval)". I understand FA is excluded from expedited approval but why exclusion of FA is an example for file and use?
    in Ontario Non-PPA Filings - File and Use? Comment by tracy95 March 2022