1. School of Mathematics, Statistics and Actuarial Science, University of Kent, Canterbury, United Kingdom
2. Department of Actuarial Science, Faculty of Business and Economics, University of Lausanne, Lausanne, Switzerland
3. Department of Applied Health Research, Institute of Epidemiology and Health Care, University College London, London, United Kingdom
4. School of Risk and Actuarial Studies and ARC Centre of Excellence in Population Ageing Research (CEPAR), UNSW Business School, UNSW Sydney, Australia