主题词：Insurance, Mortality, Demography, Risk Management; Insurance and Financial Risk Management; Probability and Risk Models; Stochastic processes and financial applications; Global Health Care Issues; Risk and Portfolio Optimization; Financial Risk and Volatility Modeling; Financial Literacy, Pension, Retirement Analysis; demographic modeling and climate adaptation; Statistical Methods and Inference; Credit Risk and Financial Regulations; Health disparities and outcomes; Statistical Methods and Bayesian Inference; Statistical Distribution Estimation and Applications; Agricultural risk and resilience; Healthcare Policy and Management; Bayesian Methods and Mixture Models; Health Systems, Economic Evaluations, Quality of Life; Housing Market and Economics; Retirement, Disability, and Employment; Reservoir Engineering and Simulation Methods; Advanced Statistical Methods and Models; Advanced Queuing Theory Analysis; Imbalanced Data Classification Techniques; Monetary Policy and Economic Impact