1. Department of Actuarial Studies and Business Analytics , Sydney , New SouthWales , Australia
2. Macquarie University , Sydney , New SouthWales , Australia
3. Department of Actuarial Studies and Business Analytics , Sydney , , New South Wales , Australia
4. Macquarie University , Sydney , , New South Wales , Australia
5. Department of Statistics and Actuarial Science , Burnaby , , British Columbia , Canada
6. Simon Fraser University , Burnaby , , British Columbia , Canada
7. Department of Statistics and Actuarial Science , Waterloo , , Ontario , Canada
8. University of Waterloo , Waterloo , , Ontario , Canada