Replication materials for 'Optimal surrender in whole-life unit-linked insurance under age-dependent mortality: disappearance of the surrender region and computational benchmarks'

Replication materials for the article “Optimal surrender in whole-life unit-linked insurance under age-dependent mortality: disappearance of the surrender region and computational benchmarks”. This archive contains MATLAB code and frozen numerical outputs supporting the mortality construction, semi-analytic benchmark, age-dependent variational-inequality analysis, stabilised classical regression Monte Carlo benchmark, computational neural stopping audits, economic comparative statics, robustness analysis, and publication-facing tables and figures. Raw U.S.A. Human Mortality Database (HMD) files are not redistributed; the README and DATA_ACCESS.md identify the exact HMD archive and files required for reproduction.