In this podcast, Scott Rushing, Derek Kueker and Richard Xu of RGA discuss their SOA research paper "Lapse Modeling for the Post-Level Period, A Practical Application of Predictive Modeling" which was published in January 2015. The paper was written in response to an SOA solicitation for a research paper illustrating an application of predictive modeling to life insurance.  For their paper, the RGA team focused on the use of predictive modeling to analyze the post-level period for 10-year level term insurance and lapses in a multivariate setting. This informative podcast summarizes the advantages of using predictive modeling techniques over traditional actuarial methods and the motivation for writing the paper.