1. ARC Centre of Excellence in Population Ageing Research (CEPAR), UNSW Sydney, Level 3, East Wing, 223 Anzac Parade, Kensington NSW 2033, Australia
2. School of Risk and Actuarial Studies, UNSW Sydney, Australia
3. Institute for Financial and Actuarial Mathematics (IFAM), University of Liverpool, Mathematical Sciences Building, Liverpool, L69 7ZL, UK
4. Institute of Statistics, Biostatistics and Actuarial Sciences (ISBA), Université Catholique de Louvain, Voie du Roman Pays, 20 bte L1.04.01 B-1348-Louvain-la-Neuve, Belgium