Announcement: SOA releases December 2022 Exam FM passing candidate numbers.

Mortality Improvement Rates for AG-38 for Year-End 2013

Experience Studies – Individual Life

The Society of Actuaries’ Valuation Basic Table (VBT) Team has released a recommendation for a set of improvement factors that vary by gender and attained age to be used in conjunction with the 2014 Valuation Basic table. The Word document contains a note describing the proposed mortality improvement scale and its intended use and the Excel files contain the final version of the spreadsheet with the development of the smoothed rates and the final version of the mortality improvement rates smoothed and rounded.


Mortality Improvement Scale Recommendation – 2014 VBT Table Committee

Mortality Improvement Rates for AG-38

Mortality Improvement Scale Recommendation Final Rounded Rates

Questions Or Comments?

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