1. Centre for Actuarial Studies, Department of Economics, The University of Melbourne, Melbourne, Australia;
2. Key Laboratory of Advanced Theory and Application in Statistics and Data Science - MOE, School of Statistics, East China Normal University, Shanghai, China;
3. School of Risk and Actuarial Studies and Australian Research Council Centre of Excellence in Population Ageing Research (CEPAR), UNSW Business School, University of New South Wales, Sydney, Australia