Virginia Young

I teach and research in actuarial and financial mathematics. Most of my current research deals with financial and insurance decision making of individuals and insurance companies. Individual decision making is important because of the increasing risk placed on individuals to manage their financial portfolios. Evidence of this can be seen in the greater use of defined contribution plans by employers (401(k), 403(b), 457), as opposed to defined benefit pension plans. Decision making of insurance companies is important because of the large financial resources those companies control.