Description: This report presents the results of a study of individual life insurance lapse experience in the United States conducted jointly by LIMRA International and the Society of Actuaries. The study presents lapse experience for whole life, term life, universal life, and variable universal life plans traced through 2002.

Description: This experience study, from the Society of Actuaries [SOA] ‘Experience Studies – Individual Life,’ was conducted by the Society of Actuaries’ Committee on Life Insurance Company Expenses [CLICE]. This report documents the results of the Committee’s sixth expense study—the 2006 SOA Individual Life and Annuity Expense Study. A Per Policy Index is used to facilitate the comparison of first year expenses [excluding commissions and premium taxes] among contributors. Similarly, a Per Policy Inforce Index is used to compare operating expenses [excluding commissions, termination expenses, premium taxes, and for annuities, annuity payout expenses].

Description: This experience study, from the Society of Actuaries [SOA] ‘Experience Studies – Individual Life,’ was conducted by the SOA’s Individual Life Insurance Experience Committee. This report on intercompany mortality experience by amount of insurance under standard individually underwritten issues includes policy years 2004-05. The purpose of this report is to present an overview of mortality results relative to the 2001 Valuation Basic Tables and present some comparisons to the prior 2002-2004 study period. Consistent with prior reports, the study is performed on a gross basis without consideration of reinsurance. Includes three zipped files containing Excel pivot tables that provide more detail of the data summarized in the report.

Description: This experience study, from the Society of Actuaries [SOA] ‘Experience Studies – Individual Life,’ was conducted by the SOA’s Committee on Life Insurance Company Expenses [CLICE]. CLICE has developed and conducted inter-company expense experience studies annually since 2001. This report documents the results of the Committee’s eighth expense study. Updated in July, 2011.

Description: This experience study, from the Society of Actuaries [SOA] ‘Experience Studies – Individual Life,’ was conducted by the SOA’s Individual Life Insurance Experience Committee. This report is on intercompany mortality experience by amount of insurance under standard individually underwritten issues, including policy years 2002–04. In addition to the report is a one page document, the ‘Milliman extension to the 1975–80 Basic Tables,’ with an accompanying Excel spreadsheet. Also included are two Excel workbooks containing pivot tables, providing more detail of the data summarized in the report.

Description: This report presents the results of the most recent study of individual life insurance lapse experience in the United States. The observation period for the study is calendar years 2003 and 2004. The study is based on data provided by 43 individual life insurance writers and it presents lapse experience between 1902 and 2004.

Description: This experience study, from the Society of Actuaries [SOA] ‘Experience Studies – Individual Life,’ was conducted by the SOA’s Individual Life Insurance Experience Committee. This report is on intercompany mortality experience by amount of insurance under standard individually underwritten issues between 1990 and 1991 anniversaries. The report also combines experience between 1986 and 1991 anniversaries in order to provide a larger volume of data. This report is a revision of an earlier publication of the ‘Mortality under Standard Individually Underwritten Life Insurance Between 1990 and 1991 Anniversaries.’ This revision corrects previous mortality ratios for all 1986-91 and 1985-90 experience and 1990-91 smoker/nonsmoker experience. This report will appear in a future issue of the Society's TSA Reports. Consists of two pdf documents: report and tables.

Description: This database and analysis, from the Society of Actuaries [SOA] ‘Experience Studies – Group Health,’ was prepared by the SOA Medical Large Claims Experience Committee, SOA Committee on Health Benefit Systems Research and the SOA Health Section. The database is a follow-up to the 1991–92 Group Medical Large Claims Database. The study explores and analyzes factors affecting incidence rates and the distribution of claim sizes. The database contains claims from three years: 1997, 1998 and 1999. While the 1991–1992 database focused only “large claims” i.e., claimants with annual paid charges of at least $25,000, the 1997–1999 database contains all claimants, regardless of charge amount. Data from seven insurers are represented. For the three years combined, the database contains 4,294,030 claimants and total paid charges of approximately $7.1 billion. In addition to the report there is 2 page database documentation and four zipped data files.

Description: This report presents the results of the most recent study of individual life insurance lapse experience [calendar years 2004-2005]in the United States conducted jointly by LIMRA International and the Society of Actuaries.

Description: This experience study, from the Society of Actuaries [SOA] ‘Experience Studies – Individual Life,’ was conducted by the SOA’s Individual Life Insurance Experience Committee. This report is on intercompany mortality experience by amount of insurance under standard individually underwritten issues, including policy years 2005–07. In the 2002-04 and 2004-05 Studies, the Milliman Extension to the 1975-80 Basic Tables was used. This extended data through issue age 87. For this study, a further extension to issue age 99 was used. This can be found in the spreadsheet titled Issue Age 99 1975-80 Basic Table Extension. The four zipped files found on this page contain Excel pivot tables that provide more detail of the data summarized in the report.