Description: We have for many years looked into the demographic, economic, social, and political trends that are going on here in the United States and have concluded that the future of our industry lies in the full financial services concept.

Description: The Society of Actuaries released research in 2007 that develops a model for a U.S. individual life insurance company to consider its potential liability exposure as a result of a pandemic. Sponsored by the Mortality and Longevity Strategic Research Program Steering Committee, this paper updates several model assumptions including mortality in light of COVID-19.

Description: This document describes an effort to measure the deaths in the U.S. population relative to pre-pandemic expectations. This report updates the original report, 2020 Excess Deaths in the U.S. General Population by Age and Sex, with more complete data for 2020.

Description: The SOA has collaborated with LIMRA, Reinsurance Group of America (RGA), and TAI on an ongoing effort to analyze the impact of COVID-19 on the individual life insurance industry’s mortality experience. The data collected for this study included 2.8 million deaths from life insurance policies covering the period January 1, 2015 to September 30, 2020.

Description: This section presents and summarizes major insurance-related legal cases of 1958.

Description: This document describes an effort to measure the deaths in the US population relative to pre-pandemic expectations. The actual deaths used are as reported by the US Center for Disease Control (CDC) and we consider several different methods for setting the expectations, adjusting for the estimated mix by age, sex, and time of the year (seasonality).

Description: The Canadian Institute of Actuaries and Society of Actuaries Committee on Life Insurance Research, the Product Development Section and the Financial Reporting Section, sponsored this study investigating how the Canadian life insurance industry is utilizing predictive modelling.

Description: This predictive modeling paper, “Household Life Insurance Demand – A Multivariate Two-Part Model is one of a collection of essays that examine how existing or new methods or models can be applied to the life insurance industry.

Description: Underwriting has continually evolved throughout the history of insurance. Technology advancements over time have opened, and will continue to open, new underwriting possibilities from both process automation and content standpoints.

Description: This report is an update of the U.S. Population Mortality Observations – Preview of 2020 Experience released in May 2021. This update is based on 2020 provisional death data released by the CDC.