Description: An Excel spreadsheet to aid the reader in interpreting the information contained in the report, which provides exposure information by lapse factor and data cell. Please see the SOA website experience studies for the full report.

Description: This analysis is being done to determine how recent experience, from the statistical agent data collected by MIB, is emerging relative to the 2015 VBT.

Description: Summary report of the 2005 Individual Life and Annuity Expense Study. Document contains a description of data used in the study, description of unit cost formulas, list of companies contributing to the study, tables and graphs, etc.

Description: This is the second Intercompany Study of Long–Term Care Insurance. For this report, the committee gathered and refined data that dates back to 1984. This report combines and analyzes data received from 14 insurers that agreed to provide information to further the knowledge of long–term care insurance.

Description: This is the SOA 1991 large claims database. Please see the SOA website experience studies for group health for further information about the specifications for this database. The Committee on Health Benefit Systems Research is pleased to announce the availability of the 1991-92 Group Medical Insurance Large Claims Database. The database includes more than 171,000 claims of $25,000 or more, representing over $10 billion in total charges. Fields include diagnosis 3digit ICD-9 code, type of coverage HMO, PPO, Indemnity, etc., claimant status employee or dependent, and charges split into hospital and non-hospital, in addition to claimant age and gender.

Description: The report describing the composite mortality tables for simplified issue business developed by the Society of Actuaries and the Academy of Actuaries.

Description: This report provides a comprehensive guide for actuaries, insurance companies and regulators to understand the scope and challenges of earthquake risk and insurance in the U.S. It also looks at Canada and Puerto Rico due to their proximity.

Description: The report discusses using behavioral science in redesigning life insurance underwriting questionnaires to improve disclosure rates. It includes an experimental study, industry survey insights, and discussions on application forms, behavioral science application, and organizational engagement with behavioral science in the insurance industry.

Description: This report examines how the number of persons (“lives”) covered in a mortality study, and the length of the study period (in years), affects the statistical reliability of improvement rate estimates.

Description: This report provides a methodology for identifying climate regime shifts in different scenarios to prepare insurers for the impacts of climate change. It discusses physical tipping points, socio-economic tipping points, and regime shifts affecting the insurance industry, with a focus on wildfires in California and heat stress in the Pacific Northwest.