On this page, you'll find links to studies, tables, reports and documents on group and individual life insurance plans, as well as mortality and longevity stats as they relate to life insurance. Available resources include a relative risk tool and mortality and other rate tables.
Life and Annuities Research
Proposal Requests
Mortality Improvement Trend - Independent Analysis
Submissions Due: September 20, 2019
Predictive Modeling in Underwriting – Case Study
Submissions Due: September 30, 2019
Living to 100 Monograph
Access the
monograph on longevity and retirement from the SOA Living to 100 Symposium.
Software and Tools
The SOA offers a variety of software and tools to help you in your work with relative risk and mortality calculations
Experience Studies
Recent Publication
2009-2015 Individual Life Insurance Mortality Experience Report
The Individual Life Experience Committee has completed their latest report on intercompany mortality experience by amount of insurance under standard individually underwritten issues. This includes study years 2009-2015. The Appendix to the report contains more detail on some of the results discussed in the report.
2017 Credit Life Mortality Study
The Credit Insurance Experience Committee has completed their work on the 2017 Credit Life Mortality Study. This study covers a five-calendar year period, years 2011-2015.
Most Viewed
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).
Research Reports
Living to 100 Insights on the Challenges and Opportunities of Longevity
Report on Living to 100 Insights on the Challenges and Opportunities of Longevity.
Trends in the Chinese Annuity Market and the Management of Longevity Risk
China’s pension system has transformed from traditional retirement system based on command economy to modern pension system based on market economy, which basically guarantees the living standards of retirees.
Most Viewed
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.
Recent Publications
2009-13 U.S. Individual Life Persistency Report
This report presents the results of the most recent study of individual life insurance lapse experience in the United States conducted jointly by LIMRA and the Society of Actuaries (SOA). The observation period for the study is calendar years 2009-13. The study is based on data provided by 16 individual life insurance writers and it presents lapse experience for whole life, term life, universal life and variable universal life plans issued between 1918 and 2012.
Drivers of U.S. Mortality Improvement Expert Panel Forum Report
This report summarizes a daylong Expert Panel Forum discussion, which included experts from inside and outside the insurance/retirement industry, who were invited to participate in a discussion to provide input about drivers of U.S. mortality improvement for the short and long term.