1.
title:Applications of a multi - state risk factor/mortality model in life insurance
source: Insurance : Mathematics and Economics, Volume 43, Issue 3, December 2008, Pages 394 - 402
author:Hyuk - Sung Kwon, Bruce L.Jones

2.
title:The impact of the determinants of mortality on life insurance and  annuities
source:Insurance : Mathematics and Economics, Volume 38, Issue 2, 7 April 2006, Pages 271 - 288
author:Hyuk - Sung Kwon, Bruce L.Jones