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Life Insurance Research Reports

If you’re looking for research projects and reports on life insurance, you’ve come to the right place. The SOA offers research, authored by an individual or a team of authors, for download in just a few clicks.


  • Mortality Improvement Model, MIM-2021
    Learn about a consistent approach to projecting mortality improvement.
  • 2020 Excess Deaths in the U.S. General Population by Age and Sex
    This document describes an effort to measure the deaths in the US population relative to pre-pandemic expectations. The actual deaths used are as reported by the US Center for Disease Control (CDC) and we consider several different methods for setting the expectations, adjusting for the estimated mix by age, sex, and time of the year (seasonality).


  • Mortality By Socioeconomic Category
    This SOA-sponsored research report presents mortality analysis and rate estimates for the United States by year from 1999 through 2018, separately by socioeconomic quintile and decile. Details on the development of the estimates are summarized in the report. The life tables by socioeconomic category are available for download, and some of the results are presented in online graphs and maps.
  • Principle-Based Reserves Simplified Methods
    The Society of Actuaries Smaller Insurance Company Section, the Financial Reporting Section, and the Committee on Life Insurance Research are pleased to make available new research investigating simplified methods for determining reserves under VM-20.
  • Life Reinsurance Treaty Recapture Provisions
    The Reinsurance Section and the Product Development Section are pleased to make available a new report examining industry perspectives on life reinsurance treaty recapture provisions.
  • Projections of COVID-19 Hospitalizations and Deaths, Updated April 24, 2020
    Since the outbreak began in January, numerous research groups throughout the world have developed models to forecast the number of deaths that could result from COVID-19. Dr. Thomas McAndrew and Dr. Nicholas Reich of the University of Massachusetts Amherst have, on a weekly basis beginning in mid-February, surveyed experts who are separately engaged in efforts to model the outbreak. This brief looks at these models.
  • Macroeconomics-Based Economic Scenario Generation

    The Society of Actuaries Financial Reporting Section and the Joint Risk Management Research Committee are pleased to make available new research introducing actuaries and others to dynamic stochastic general equilibrium (DSGE) models, a type of macroeconomic model.  

  • Connecting Emerging COVID-19 Data to Insured Claims
    Over the past month, the evolution of the COVID-19 pandemic has raised questions on how this outbreak will impact life insurance industry claims. This report pulls emerging U.S. COVID-19 hospitalization data and deaths obtained from the Centers for Disease Control and Prevention’s (CDC) COVIDView, a Weekly Surveillance Summary of U.S. COVID-19 activity, and compares it to data from past U.S. influenza seasons obtained from the CDC’s Flu Activity and Surveillance webpage.
  • Simplified Issue Underwriting
    The Society of Actuaries ‘ Committee on Life Insurance Research, the Financial Reporting Section, the Product Development Section, and the Smaller Insurance Company Section release a new report on simplified issue underwriting for life insurance.



  • Modeling and Forecasting Chinese Population Dynamics in a Multi-Population Context 
    The purpose of this project is to forecast China's population structure in the coming decades by projecting both the mortality and fertility rates of the Chinese population. In particular, we forecast China's future mortality rates in a multiple-population context, by explicitly allowing its systematic mortality patterns to gradually converge to those of a group of more developed countries with higher life expectancy levels and better data quality.
  • Earnings Emergence Insurance Accounting Under Multiple Financial Reporting
    The Financial Reporting Section, Reinsurance Section and the Committee on Life Insurance Research are pleased to announce the release of a new report examining differences in measurement and presentation under various insurance accounting bases.
  • Mortality Analysis of 1898-1902 Birth Cohort
    The Reinsurance Section, Product Development Section and Committee on Life Insurance Research announce the release of a new report on the mortality analysis of 1898-1902 birth cohorts.
  • The Impact of Genetic Testing on Life Insurance Mortality
    The Society of Actuaries (SOA) Reinsurance Section, Product Development Section and the Committee on Life Insurance Research, are pleased to make available new research exploring genetic testing and U.S. life insurance mortality.
  • Overview of the United States Mortality DataBase
    This report documents progress on a multi-year project initially funded by the United States National Institutes of Health (through grant #R01-AG010245) with additional support from the Research Expanding Boundaries Pool of the Society of Actuaries. The goal of the project is to foster research on geographic variability in survival within the United States by providing access to standardized historical mortality series for the 4 Census Regions, 9 Census Divisions and 50 states plus the District of Columbia.
  • Survey of Waiver of Premium/Monthly Deduction Rider Assumptions and Experience
    This paper summarizes the results of a survey of waiver of premium/monthly deduction rider assumptions and experience.
  • Actuarial Review of Insurer Insolvencies, Future Preventions  
    Sponsored by the Canadian Institute of Actuaries (CIA), Casualty Actuarial Society (CAS), and Society of Actuaries (SOA), this study looks at causes of insolvency and decisions made by management, regulators, and policyholders over the life cycle of the insolvency. This study is intended to educate insurance professionals on historical insurer impairments and insolvencies and possible future prevention indicators.