Description: The study measures incidence rates, loss severities and economic loss rates associated with credit risk events for privately placed debt during the years 1986-2002.

Description: An Excel spreadsheet to aid the reader in interpreting the information contained in the report, which provides exposure information by lapse factor and data cell. Please see the SOA website experience studies for the full report.

Description: This is a report on intercompany mortality experience by amount of insurance under standard individually underwritten issues. This study includes policy years 2005-07.

Description: The Retirement Plans Experience Committee (RPEC) hired Ernst & Young to perform a literature review and assessment of mortality improvement rates in the United States population.

Description: Results of survey conducted in July 2006 about the methods used by insurers to develop their pricing mortality assumptions for fully underwritten life insurance in the U.S. The objective was to understand how companies adjust base mortality tables and whether mortality improvement was assumed.

Description: Report summarizing the results of the 2009 Policyholder Behavior in the Tail working group with respect to UL policies with Secondary Guarantees Survey.

Description: This report presents the results of the 2013 Group Term Life Experience Study conducted by the Society of Actuaries’ Group Life Experience Committee.

Description: This report is a follow-up to the 2018 Group Long-Term Disability Experience Study Report. This report analyses the same dataset, but focuses on the new variables that are included with that dataset, and also details the application of various Predictive Analytics techniques to the data.

Description: This memorandum is a supplement to the Long Term Care Experience Basic Table (“Experience Table”) that was published bythe Society of Actuaries (“SOA”) in April 2015 and revised in July 2015.

Description: This report, part of the Society of Actuaries [SOA] ‘Experience Studies – Business Practice Surveys,’ presents the results of a survey conducted by the SOA Committee on Life Insurance Mortality and Underwriting Surveys – Improving the New Business Process Survey Subcommittee. The survey examined the various changes U.S. and Canadian life insurance companies have recently made, or are considering making, to improve the new business process and to determine which changes were considered by the respondents to have had the most impact. Survey topics include the application process, changes to underwriting requirements, underwriting systems, underwriting resources, experience based on past changes, and policy delivery.