Announcement: SOA releases the new ASAs and CERAs for October 2025. 

Log in / My SOA

Actuarial Tables, Calculators & Modeling Tools

Having the right tools within reach helps you complete your everyday actuarial tasks with ease. The Society of Actuaries Research Institute offers many tables and tools, including mortality tables, calculators and modeling tools on risk topics. Topics covered include health care, pension plans, longevity and risk management.

 

  • Academy Interest Rate Generators
    The American Academy of Actuaries and the Society of Actuaries Research Institute have joined resources to manage the economic scenario generators used in regulatory reserve and capital calculations.
  •  
  • Actuarial Tables, Calculators & Modeling Tools, Simplified Chinese Summary
    Having the right tools within reach helps you complete your everyday actuarial tasks with ease. The Society of Actuaries Research Institute offers many tables and tools, including mortality tables, calculators and modeling tools on risk topics. Topics covered include health care, pension plans, longevity and risk management. This report summarizes the available tables and tools in Simplified Chinese.
  •  
  • Annuity Factor Calculator
    The Society of Actuaries Research Institute developed the Annuity Factor Calculator to calculate an annuity factor using user-selected annuity forms, mortality tables and projection scales commonly used for defined benefit pension plans in the United States or Canada. This tool is designed to calculate relatively simple annuity factors for users who are accustomed to making actuarial calculations for defined benefit pension plans in the United States or Canada.
  •  
  • Calibrating Stochastic Interest Rate Models
  • This paper introduces practitioners to the selection and calibration of stochastic interest rate models. Six continuous time interest rate models and their calibration are presented. Actual code and data examples are added to help the practitioner implement them. The emphasis is on hands-on calibration with RStudio. The reader is assumed to have a working knowledge of RStudio, including writing R scripts.
  •  

  • Climate Network (Global Historical)– Data Extraction Tool
    This Excel/VBA tool can extract temperature, precipitation and snowfall data from the Global Historical Climate Network (GHCN) daily weather dataset and run tabulations on the extracted data.

  •  
  • Credibility Educational Resource for Pension Actuaries
    Credibility is a mechanism for estimating a quantity of interest by combining subject experience and relevant experience to improve the estimate.
  •  
  • Credibility Methods Applied to Life, Health and Pensions 
    This paper provides the reader with an introduction on the usage and limitations of credibility methods. It also contains a listing of numerous examples of other literature on credibility.
  •  
  • Disability Morbidity Tables Excel Workbook
    The Individual Disability Insurance Experience Committee has prepared a 2000-07 experience report. The same data was used to develop an experience basic table, an updated Disability Morbidity Tables Excel Workbook and other associated documentation.
  •  
  • Enrollee Choice – Modeling Effects
    In health insurance marketplaces, prospective insured individuals and groups are able to choose from a range of available plans. This study uses health care encounter data to simulate the choices faced by health insurance shoppers under a variety of conditions and measures the simulated effect of increased consumer choice and consumer information on medical loss ratios and, as a consequence, insurer profitability.
  •  
  • Experience Study Calculations Educational Tool
    The Society of Actuaries’ Exposure Calculations Project Oversight Group has completed its paper, which presents and explains the methods for determining rates based on experience, such as mortality and claim utilization rates.
  •  

  • Getzen Model of Long-Run Medical Cost Trends
    The Getzen Model is a long-term medical cost trend projection model based on 30+ years of observation.

  • Health Care Cost Model (2022)
    The Society of Actuaries (SOA) created the SOA 2022 Health Care Cost Model (model) to enable users to estimate future U.S. health care insurance costs. This model allows a user to consider a variety of scenarios and create inputs that can forecast the impact on the health care service system. The model will be updated periodically to reflect the latest data on both the outbreak and insurance health care costs. A user guide, user training video and model documentation guide have also been developed to support the model.
  •  
  • Health Plan Provider Network Risk
    The Health Section Research Team is pleased to make available the following research study and Excel model that provide a framework for estimating the financial impact of health plan provider network risk.
  •  
  • 2012 Individual Annuity Reserving Report & Table
    The SOA’s Payout Annuity Table Team (Team), as requested by the NAIC’s Life Actuarial Task Force (LATF), produced a new annuity valuation mortality table, including the projection scales and margins necessary to make the table suitable for standard valuation purposes for individual annuities.
  •  
  • International Longevity Illustrator
    The SOA Research Institute has launched the International Longevity Illustrator, a free tool to help people in Singapore, Hong Kong and Canada estimate their longevity so they can plan a secure retirement.
  •  
  • Kidney Disease (Chronic) - A Two-Part Model of the Individual Costs
    Chronic Kidney Disease (CKD) affects many lives and has a large impact on health systems around the world. To better understand and predict costs for insurance plan members with CKD in the United States, we built a new model of their individual costs. Our model is the first to explicitly model both the CKD stage transition process and the distribution of costs given those stages.
  •  
  • Longevity Illustrator
    Developed by the American Academy of Actuaries and the Society of Actuaries Research Institute, the Longevity Illustrator is designed to provide you with perspectives on your longevity risk—the uncertainty of how long you and your spouse/partner might live.
  •  
  • Medical Long-Term Cost Trend Projections (Getzen)
    The Model is a long-term medical cost trend projection based on 30+ years of observation.
  •  
  • Medicaid Managed Care Underwriting Margin Model 
    This report and the accompanying Excel model are intended to be used in their entirety by qualified actuaries setting rates or evaluating rates for Medicaid Managed Care programs to develop the underwriting margin component of the capitation rates.
  •  
  • Medicaid Programs (State)– Modeling the Impact of the Great Unwinding
    This report provides actuaries and other finance professionals with an example of running the Medicaid Unwinding model with results at the national level on projected changes in both acuity and enrollment for Medicaid and Children’s Health Insurance Program.
  •  
  • Model of Long-Term Health Care Cost Trends in Canada
    The Canadian Institute of Actuaries (CIA) and the Society of Actuaries Research Institute are pleased to make available a resource model that provides long-run (to 2050 and beyond) forecasts of health care spending in Canada.
  •  
  • Mortality and Other Rate Tables (MORT)
    The Mortality and Other Rate Tables (MORT) application was developed by the Society of Actuaries Research Institute to provide easy electronic access to a variety of rate tables of interest to actuaries and others. As of 2014, the inventory of rate tables available via this database numbers over 2,500 and encompasses SOA experience mortality and lapse tables, regulatory valuation tables, population tables and various international tables.
  •  
  • Mortality Trends (Historical) – Estimating.
    This SOA report analyzes how limited sample sizes and study durations affect the statistical reliability of mortality improvement rate estimates, suggests strategies (e.g. age grouping, smoothing), and provides a simulation tool for evaluation.
  •  
  • A Practitioner’s Guide to Statistical Mortality Graduation
    This paper outlines a statistical modeling framework for fitting mortality laws to mortality experience data. The process can be used as an alternative to traditional graduation techniques used in mortality table development.
  •  
  • Relative Risk Tool
    RR Tool helps actuaries determine the appropriate Relative Risk (RR) tables. Use RR tables in conjunction with determination of Principles Based Reserves (PBR).
  •  
  • Retirement Income Calculator—Beta Version
    The software was developed as a pedagogical tool to help demonstrate the impact of a change in Retirement Income strategy on potential financial outcomes. A user can consider various strategies of longevity and asset performance risk transferal and observe the resulting changes on a range of modeled outcomes.
  •  
  • Retirement Probability Analyzer Software
    The software explores in great detail the fundamental question of whether one will run out of money before dying, while maintaining a desired standard of living. The software has been written to compute probabilities associated with a variety of retirement investment and spending strategies.
  •  
  • A System to Evaluate and Compare Defined Contribution Plans
    A research project to develop an actuarial framework that could be used by employers and employees to assess defined contribution (DC) retirement plan benefits.
  •  
  • Table Development
    The Society of Actuaries Research Institute has created this report as a reference document to assist actuaries in the creation of experienced-based tables for mortality rates, lapse rates, incidence rates, severity rates, and much more.
  •  
  • Table Manager
    The Society of Actuaries Research Institute has decided that future maintenance of its database of tables will make use of the XtbML file format for each table.