
https://scholar.harvard.edu/sites/scholar.harvard.edu/files/rogoff/files/long_run_trends_in_long_maturity_rates_revised_version_july_2023.pdf

https://works.bepress.com/ghadfield/71/download/

https://www.mckinsey.com/industries/financial-services/our-insights/the-future-of-life-insurance-reimagining-the-industry-for-the-decade-ahead