There is a great diversity in mortality rates experienced by insured individuals. Multi-factor mortality models, in particular those harnessing the breadth of socio-economic information contained in individuals' ZIP or ZIP+4 codes, can capture much more of this diversity than classical mortality models where traditional underwriting data is unavailable or has gone stale.
Join us for an exploration of the power of ZIP code mortality modeling, learn how this data field can be used to capture micro-level socio-economic differences in baseline mortality and discover new applications to group annuity and life products.