Description: In 2015, LIMRA partnered with the SOA on a study that focused on examining individual LTC policy termination experience including both voluntary lapse and mortality results. This work was based on data submitted by 22 LTC carriers representing approximately 75 percent of the LTC lives inforce over the study period 2000-2011. This article discusses an area of emphasis for the policy terminations work which was to better understand the impact of data quality on reported results given the continued difficulty for insurers in accurately distinguishing voluntary lapse activity from deaths.

Description: This article is based on a recent high face amount mortality study completed for the SOA. The data was derived from the Milliman Industry Mortality Study and Analysis (MIMSA), a recent comprehensive life insurance industry study of mortality and lapse. There were a number of interesting findings in the high face amount study, several of which are discussed in this article.

Description: This paper presents a brief history of life insurance risk assessment and explores a future including wearable devices, genetic testing and digital health data

Description: Article Board Of Governors by Bog in The Actuary, March 1979, Volume 13, Number 3

Description: Feature article discussing the Life Settlements business: recent growth, pricing, and future of the business.

Description: Identifies current trends and considerations when setting the mortality improvement assumption for individual life insurance in the US.