Description: The report, authored by Cathy Ho and Nancy Muise, represents the results of individual life insurance lapse experience for guaranteed issue and simplified issue life in the United States. Lapse experience for a subset of these data that is specified as pre-need life insurance is also reported. The data collected covers policy experience from 2005 to 2009.

Description: Report on the second in a series of studies conducted jointly by LIMRA International and the SOA Long-Term Care Experience Committee. The study examines longterm care insurance LTCI industry persistency experience by reporting on changes in both voluntary lapse and total termination activity for all participating companies during calendar years 2002 through 2004. Overall, the results indicate that LTCI persistency continues to increase. However, recent increases have occurred on the group side of the business more than the individual side.