Description: Presented at Living to 100 symposium, January 2002. This paper presents data on the mortality, and mortality improvement trends, for retired U.S. Civil Service employees and their survivors, and analyzes the relationship to such factors as: Indexed final salary, Amount of indexed annuity, Total service at retirement, Duration on the Annuity Rolls, Retiree vs. beneficiary, Disability vs. non-disability.

Description: This article provides an analysis of the AIDS case data collected and made available by the Centers for Disease Control. The CDC data base is at the individual level and includes age at diagnosis, date of diagnosis, sex, sexual preference, locale, type of infection transmission, etc.

Description: Highlights of the 2001 Manulife Reinsurance Mortality Study conducted in conjunction with the Reinsurance Section on the mortality experience of large amount and older age policies.

Description: Discusses valuation standards for payout annuities, and results of the a-1949 Mortality Table.

Description: This is the report on intercompany mortality experience by amount of insurance under standard individually underwritten issues. This study includes policy years 2002–04.

Description: This study is the latest in continuing reports on intercompany mortality experience by amount of insurance under standard individually underwritten issues. This includes both preferred and standard classifications. It covers standard individually underwritten life insurance between 1995 and 2000 policy anniversaries.

Description: This study was undertaken to review pooled companies’ mortality experience on cases reported to the Medical Information Bureau, MIB, with findings suggesting an increased probability of ethanol related complications or hepatic dysfunction. The study examines the mortality associated with evidence of excessive alcohol use, an adverse driving record or abnormalities of the liver function tests.

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.