Description: Term Life insurance is a popular product in the U.S. As a growing number of policyholders have been reaching the end of the level term period, the SOA has been committed to studying policyholder behavior in the post-level term (PLT). Shock lapse, post-level term lapse and mortality have previously been analyzed in SOA PLT studies conducted in 2010 and 2014. This study provides an update of experience and some valuable new insights.

Description: This report provides early insights into the level of U.S. population mortality in 2018

Description: Spring 2011 syllabus for Individual Life and Annuity Company/Sponsor Perspective – U.S..

Description: Spring 2008 Individual Life and Annuity Company/Sponsor Perspective – U.S. syllabus.

Description: The most recently released US population mortality experience from 2016 is analyzed along with prior available mortality data going back to 1999.

Description: Announcement from the Society of Actuaries of the availability of a new research report examining mortality expectations between life insurance, annuity, and pension products at older issue ages. Authored by William Bowman and Roger Freeman, the report summarizes the results of a mortality and pricing survey indicating significant differences between the mortality assumptions for different product lines and even between different companies within a single product line.

Description: View the U.S. Population Mortality Observations - Updated with 2020 Experience.

Description: View report on U.S. Population Mortality Observations – Updated with 2019 Experience.