Recent Publication

2009-13 Lapse/Surrender and Premium Persistency Experience for Flexible Premium Universal Life Products
The Society of Actuaries and LIMRA studied both premium persistency and surrender/lapse experience for flexible premium fixed universal life, indexed universal life, and variable universal life products. 

Emerging Underwriting Methodologies and their Impact on Mortality Experience Delphi Study
The Society of Actuaries sponsored a Delphi study to gather expert viewpoints regarding emerging underwriting methodologies and their impact on future mortality experience.

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2017 Commissioner's Standard Ordinary (CSO) Tables
Download various reports and tables that include male/female, smoker/nonsmoker and age-nearest birthday (ANB)/age-last birthday (ALB).

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Report on 2014 VBT/2017 CSO Impact Study: Considerations for Life Insurance Products  
This report is a combined effort of the SOA and the American Council of Life Insurers. It covers the implications of the 2014 VBT/2017 CSO Impact Study.

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.