Description: This is an excel spreadsheet showing Appendix F, Relative Risk, of the 2008 Valuation Basic Table Report and Tables. The full report describes the development of the 2008 Valuation Basic Tables. It incorporates the Primary Tables, the Relative Risk Tables, and the Limited Underwriting tables. Please see the SOA website experience studies for the full report and all other related tables.

Description: A Discussion of why female mortality is higher than male mortality at higher ages.

Description: New for 2017, we are introducing a series of articles by experienced industry professionals who are relatively new to long-term care (LTC).

Description: Second article in a series on how to use predictive analytics to improve the development of long-term care projection assumptions.

Description: Presented at Living to 100 symposium, January 2002. This is a report of a study in which the Cox proportional hazard model, a widely used survival analysis tool, was applied to profiling the mortality of an insured advanced-age population. The data was derived from 14 US insurers. This data represents policies issued between 01/01/1997 and 12/31/2000 to policyholders of age 60 or older. The major study results include measures of mortality, variations by selected risk factors, estimated mortality experience of the underlying population, and a comparison of mortality experience estimated by direct calculation, the Society of Actuaries’ SOA 1990-95 mortality study, and our extended Cox modeling technique.

Description: Recently completed experience and research studies from the SOA.

Description: State regulators' review of predominant LTC Risks after review of year-end AG51 reports.

Description: Transcript of the Q&A period from Session 5A. The paper presented proposes a new method to price the longevity risk premia in order to tackle the pricing obstacle.

Description: Designing and Pricing LTCI Combination Products by Carl L. Friedrich from Long-Term Care Newsletter, December 2004, Issue No. 13.

Description: In 2015, LIMRA partnered with the SOA on a study that focused on examining individual LTC policy termination experience including both voluntary lapse and mortality results. This work was based on data submitted by 22 LTC carriers representing approximately 75 percent of the LTC lives inforce over the study period 2000-2011. This article discusses an area of emphasis for the policy terminations work which was to better understand the impact of data quality on reported results given the continued difficulty for insurers in accurately distinguishing voluntary lapse activity from deaths.