Description: The paper analyzes recent individual annuity mortality experience, derives comparative annual mortality improvement rates and, in particular, examines in detail the 1976-86 experience in the most recent Report of the Individual Annuity Experience Committee. From Transactions of Society of Actuaries 1995, Vol. 47.

Description: This study develops mortality ratios, using contemporary population tables as the base, for the 897 Fellows of the two predecessor bodies to the present Society observed to anniversaries in 1985. A discussion of the paper follows. From Transactions of Society of Actuaries 1990, Vol. 42.

Description: The differences between select and ultimate insurance mortality are usually explained in terms of: 1. deterioration of a person's physical condition which occurs due to aging, and 2. anti-selection which occurs as some policyholders allow their coverage to lapse [i.e., those policyholders who find their health has become poor keep their coverage, while those who remain healthy discontinue their insurance]. This paper explores the differences in mortality between companies related to the differences in lapse rates of the companies.