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
Mortality By Socioeconomic Category
Learn about mortality disparities in the U.S.
COVID-19 from the U.S. Insurance Industry Regulation Perspective
This special episode of the SOA’s Research Insights Podcast highlights how the COVID-19 pandemic is impacting actuaries and their interaction with U.S. insurance regulators. We were pleased to be joined by Mike Consedine, Chief Executive Officer of the National Association of Insurance Commissioners (NAIC).
Understanding Mortality and Longevity
Access the SOA’s collection of mortality and longevity research.
Software and Tools
The SOA offers a variety of software and tools to help you in your work with relative risk and mortality calculations
Research Reports
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.
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.
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.
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.
Experience Studies
Recent Publication
Canadian Report on the Survey of Post-Level Premium Period Lapse and Mortality Assumptions for Level Premium Term Plans
The Canadian Institute of Actuaries (CIA) and Society of Actuaries (SOA) engaged RGA Reinsurance Company (RGA) to undertake a research project on level premium term life insurance products.
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).
Living to 100 Monograph
Access the monograph on longevity and retirement from the SOA Living to 100 Symposium.