主题词：Insurance, Mortality, Demography, Risk Management; Insurance and Financial Risk Management; Global Health Care Issues; Probability and Risk Models; Stochastic processes and financial applications; Financial Literacy, Pension, Retirement Analysis; Financial Risk and Volatility Modeling; Risk and Portfolio Optimization; Healthcare Policy and Management; Statistical Distribution Estimation and Applications; demographic modeling and climate adaptation; Health disparities and outcomes; Retirement, Disability, and Employment; Credit Risk and Financial Regulations; Statistical Methods and Inference; Statistical Methods and Bayesian Inference; Agricultural risk and resilience; Bayesian Methods and Mixture Models; Financial Markets and Investment Strategies; Economic theories and models; Financial Reporting and Valuation Research; Banking stability, regulation, efficiency; Health Systems, Economic Evaluations, Quality of Life; Housing Market and Economics; Capital Investment and Risk Analysis