Description: This study provides statistical indications of trends in mortality at ages 10 through 34 for both males and females in Canada. Causes of death, with emphasis on suicide and accidental death rates, are explored.

Description: The premise underlying the method illustrated is simply that, in a suit for damages based on earnings lost by reason of premature death or permanent disability, the value of future earnings should not be measured in terms of the whole of life but rather in terms of a more realistic work life expectancy.

Description: This is a sequel to Panjer's paper. The Walter Reeed Staging Method - WRSM - is a method that groups patients infected with HIV into various stages. This paper looks at mathematically modeling the transition process of HIV by using the WRSM. This paper argues that Panjer's results are biased and understates the average time it will take an HIV life to develop AIDS.

Description: Recommendation for a set of improvement factors to be used in conjunction with the 2008 Valuation Basic table or the 2015 Valuation Basic table

Description: This is an excel spreadsheet showing mortality data from all companies ILEC 2005–07 supporting files and additional information by age band. Please see the SOA website experience studies for the full report and other related tables.

Description: An article from The Actuary that highlights the strategic importance of inter-company mortality studies. Broad-based mortality studies form the backbone of the life actuarial profession. However, few companies have sufficient exposure or deaths to construct their own mortality table. Even is some large companies have enough data, there is still a vast majority of companies that do not. Historically, the void has been filled by means of inter-company studies.

Description: Future mortality improvement has been a common assumption in life insurance and annuity pricing and forecasting for many years. However, experience over the last decade suggests this might be an assumption that merits reconsideration in the United States. This article will take a closer look at factors that impact mortality improvement trends and discuss why insurers may want to reevaluate product designs to better manage the associated mortality risk. We then introduce a product idea with this in mind, where premiums are based on a life expectancy index and insurers share the risk (and opportunity) or mortality improvement with policyholders.

Description: General Session

Description: Some seniors may find it challenging to manage frequent doctor visits. Telemedicine can significantly fill in some of these gaps by enabling “virtual” doctor visits. Telemedicine improves access to medical care, reduces the need for transportation, reduces wait times, protects the health of individuals who won’t be exposed to germs of others in a waiting room, and improves access to care from a healthcare professional who may be far away from the patient and more. Implications for telemedicine in charged amounts (in various insurances) are being worked out and continue to evolve.

Description: Mortality is a fundamental element in the financial projections of the finances of social security programs around the world. Prominent actuaries from the U.S. Social Security Administration, Canada's Office of Superintendent of Financial Institutions and the U.K. Government Actuary's Department will discuss some of the key factors and current issues associated with these projections. Improving mortality has and will have a significant effect on the affordability and importance of income through retirement to many population segments in these countries.