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 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.

Description: The Mortality Improvement Life Working Group released a recommendation for a set of improvement factors that vary by gender and attained age to be used in conjunction with the 2008 Valuation Basic table or the 2015 Valuation Basic table for AG-38 purposes.

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: Unloaded (basic) and loaded, ultimate tables for females on an age-last birthday and age-nearest bases as of 2017

Description: Learn about the The 2017 Guaranteed Issue Mortality Rates with 75% loading.

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 Society of Actuaries (SOA) retained Milliman, Inc. (Milliman) to conduct a survey on the impact of COVID-19 on Long-Term Care (LTC) insurance mortality, voluntary lapse, and morbidity experience. The results of this survey, which was conducted from November 2020 through January 2021, are presented in this report.

Description: The Society of Actuaries (SOA) Research Institute revisits COVID-19's impact on future U.S. mortality with insights from a multidisciplinary panel of experts. Discover how new variants and other causes of death may influence future mortality trends.

Description: This report documents the results of the Committee’s third expense study – the 2003 SOA Individual Life and Annuity Expense Study.