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For the case of a big change in mortality (22.5 percent and 25 percent shifts), we further include the concept of effective convexity for the immunization strategy and calculate the optimal product mix, [[omega].sup.*.sub.life] = [D.sup.annuity.sub.e[mu]] + [DELTA][mu]/2 [C.sup.annuity.sub.e[mu]]/[D.sup.annuity.sub.e[mu]] + [D.sup.life.sub.e[mu]] + [DELTA][mu]/2 (C.sup.annuity.sub.e[mu]] - [C.sup.life.sub.e[mu]]), under second-order approximations.
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