Across • Actuarial • Altered • Assess • Being • Benefit • Calculate • Calculation • Calculations • Change • Choose • Chosen • Claims • Coin • Companies • Considered • Constant • Criteri • Determined • Different • Economic • Effect • Factored • Formulas • Government • Guesses • Have • Health • How • Important • Into • Investment • Judgment • May • Overall • Own • Pensioners • Personal • Plans • Policyholder • Pricing • Random • Rates • Regulations • Role • Same • Set • Specific • Standardized • Time