Contingencies

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Convective Convergence

Author: Michael G. Malloy The confluence of severe convective storms, rising costs, and evolving hazards is changing how actuaries measure and manage risk. By Michael G. Malloy Fifteen years ago, on May 22, 2011, the enormous tornado that tore through the city of... Read More

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Hard To Reach

Author: Noah Kirsch Gaps in health care access and data in rural and underserved communities complicate how actuaries assess risk, design coverage, and evaluate models of care. By Noah Kirsch Since the Affordable Care Act was adopted in 2010, the number of... Read More

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The Roth Question

Author: Mark Shemtob How actuarial modeling and long-term planning can help determine whether a Roth conversion will increase a retiree’s after-tax wealth. By Mark Shemtob How does a retiree use their accumulated wealth? Generally, it is allocated to one or... Read More

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The Evolution of Risk

Author: James Lynch Editor’s Note: This article is the second in a two-part series on turning points in the history of insurance. Part I, which appears in the July/August 2026 issue of Contingencies, examined foundational developments in law, data, and public... Read More

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Trade-Offs

Author: Carlos Fuentes Editor’s Note: This is the concluding article in a two-part series exploring how global trade dynamics influence risk, investment, and insurance. Tariffs and labor market shifts are changing costs, liabilities, and the assumptions that... Read More