1. What is the difference between normal temporary initial selection and temporary initial selection in reverse? I know TIS in reverse is when mortality starts off high and then decreases. Is normal TIS when mortality starts off low and then increases?
2. For time selection when there's a downward time trend, why do we not do anything in the case of lives assured. Surely a downward time trend suggests lower mortality which is not prudent in the case of an assurance and so we should make an adjustment (this is on page 9 of Dorrington's slides where he says we ignore the downward time trend).