Description: The International Experience Survey/Study IES is a pilot study being conducted by the Society of Actuaries to provide actuaries with practical information on experience in emerging and other markets outside of the United States and Canada. The IES has evolved from being a survey of multi-national company experience to national studies directed by actuaries from the data contributors located in the country under study. This report follows this evolution by dividing results into two major subdivisions of results: • Survey: The survey presents high-level results that facilitate comparisons of experience between different countries. • National studies: In depth studies of experience in countries directed by local actuaries to present more comprehensive results