Quantitative mathematics modeling is a process to project outcomes of important parameters (returns, death benefits, interest rates, market index rates...etc.) based on a variety of factors under many different conditions, so that any projections or assumptions are supported by a certain degree of mathematical confidence interval, not based purely on experience or numbers on a carrier-given illustration. We believe it is important for all decision-making processes to be backed by a scientific approach and solid mathematics, and we always strive to reach as close to 99% confidence interval as possible for all our models.