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  "documentTitle": "Scalar calibration For Life insurance business",
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  "authorName": "Oliver Wyman",
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  "notes": "The chart compares annual calculations against a 3-year rolling weighted average, showing convergence at 72.46%.",
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      "text": "The analysis produces a 72.46% Adjustment Factor that can be applied directly to the proposed Japan Life Scalar similar to the previously adopted methodology and scalar.",
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      "text": "Japan Specific Health Adjustment Factor (SMR)",
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      "text": "A proposed Japan Health Adjustment Factor based on company specific data utilizing a Calendar Year-End rolling 3-year weighted average to align with the methodology and data structure proposed by the ACLI/OW for the Japan Life Scalar. The analysis produces a 72.46% Adjustment Factor that can be applied directly to the proposed Japan Life Scalar similar to the previously adopted methodology and scalar. Similar to the prior study/methodology, the final proposed factor will be rounded to the nearest percentage point; 72%. Rounding has no material impact on the resulting scalar.",
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      "text": "Proposed Japan Specific Health Adjustment Factor (2023)",
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