Description: This is the accompanying spreadsheet for the 2001-02 U.S. Individual Life Persistency Update report. Please see the SOA website experience studies for the full report.

Description: This is the accompanying spreadsheet for the 2001-02 U.S. Individual Life Persistency Update report. Please see the SOA website experience studies for the full report.

Description: What is the difference between a Single-Payer and Universal Health Care System, and how could the U.S. implement a system that would reduce the growth of medical costs while increasing quality.

Description: The first Baby Boomers turn 60 this year, which will begin a tidal wave of new retirees in the coming years. Unfortunately for these retirees, the long–term funding of Social Security is unclear, defined benefit plans cover fewer and fewer of today's workers, and defined contribution plan savings rates are generally not high enough to compensate for a lengthy retirement. This article describes how this wave of retirees presents a growing opportunity for the insurance industry.

Description: S&P Global released its initial version of proposed changes regarding its Insurer Risk-Based Capital Adequacy methodology and assumptions on Dec. 6th, 2021. Unlike prior guidance notes or criteria releases, the proposed changes comprehensively updated the current S&P rating criteria released in 2010. These updates would directly impact many insurers. S&P Global anticipates that 10 percent of existing ratings in the insurance sector would be impacted and the change would lead to more positive rating implications than negative impact. This article focuses on the proposed changes on the S&P risk-based capital (RBC) vs. the current model, then simulate impacts to a representative U.S. life insurer through an illustrative case study.

Description: This page contains research and research tools related to U.S. population data.

Description: Article from The Actuary, May 1985 – Volume No. 19, Issue No. 5 that discusses the NAIC adoption, for future use, of two tests of continued adequacy of the 1983 Table A.

Description: Report with six tables bringing group annuities active life experience to end of 1947. The matured life study covers the years 1946 and 1947 on a combined basis and is divided between cases of retirement on or after normal retirement date andf cases of retirement prior to normal retirement date.

Description: The Society of Actuaries released research in 2007, performed by Jim Toole, 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 is the second article in a four–part series. In this article, the industry's products are examined.