Announcement: Access the latest SOA updates on COVID-19 at

Due to unusually high email volume in Customer Service, you may experience a longer response time than usual. We apologize for any inconvenience this may cause.

2005 Group Term Life Waiver Reserve Table Report

Experience Studies – Group Life

The Group Life Insurance Experience Committee of the Society of Actuaries has completed the 2005 Group Term Life Waiver Reserve Table Report. There were several compelling reasons to develop a new experience study and table, not the least of which was that 35 years is a long interval for any study. The Committee wanted the new table to represent a broad cross–section of the industry and solicited data from nearly every group life carrier. Twenty–four companies contributed, but the Committee had to exclude data from six for various reasons.

Please note, the tables associated with this study can be found both within the Adobe Acrobat version of the report and as stand–alone Excel tables for your convenience.


2005 Group Term Life Waiver Reserve Table Report (updated July 2007)

2005 Group Term Life Waiver Reserve Excel Tables (updated July 2007)

Waiver Data Requirements

2005 Group Waiver Reserve Factors (corrected May 2008)

Questions Or Comments?

If you have comments or questions, please send an email to