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Actuarial Mathematics for Life Contingent Risks, 2nd edition, has been designated as the sole required text for the new Society of Actuaries Exam MLC April 2014 test format. Actuarial Mathematics for Life Contingent Risks covers the entire syllabus for the SOA Exam MLC (April 2014). It is ideal for university courses and for individuals preparing for professional actuarial examinations - especially the new, long-answer exam questions. Three leaders in actuarial science balance rigor with intuition and emphasize practical applications using computational techniques to provide a modern perspective on life contingencies and equip students for the products and risk structures of the future. The authors then develop a more contemporary outlook, introducing multiple state models, emerging cash flows and embedded options. The 210 exercises provide meaningful practice with both long-answer and multiple choice questions. Further more, * The book has been updated to include new material on discrete time Markov processes, on models involving joint lives, and on universal life insurance and participating traditional insurance. * The Solutions Manual (ISBN 9781101620261), available for separate purchase, provides detailed solutions to the text's exercises.