Description: Underwriting has continually evolved throughout the history of insurance. Technology advancements over time have opened, and will continue to open, new underwriting possibilities from both process automation and content standpoints.

Description: The definition of simplified issue business developed by the Society of Actuaries and the Academy of Actuaries.

Description: The Canadian Institute of Actuaries and Society of Actuaries Committee on Life Insurance Research, the Product Development Section and the Financial Reporting Section, sponsored this study investigating how the Canadian life insurance industry is utilizing predictive modelling.

Description: Using recently updated data from the United States Mortality Database (USMDB, usa.mortality.org), this report presents an overview of historical mortality trends in all 50 U.S. states and the District of Columbia for the period 1959-2018.

Description: This report summarizes the results of a 2022 survey examining mortality improvement practices of life and annuity companies in the U.S. and Canada.

Description: This paper explores how molecular biology, specifically epigenetics, may impact the life insurance industry, and considers the effects of utilizing epigenetic biomarkers for underwriting.

Description: The Individual Life Experience Committee has completed their latest report on intercompany mortality experience by amount of insurance under standard individually underwritten issues. This includes study years 2009-2015.

Description: This report explores conversion rates and post-conversion experience using predictive analytics.

Description: Experience report for life insurance policies with face amounts of $1 million or higher.

Description: The authors examine 19 factors to determine which were most closely linked to permanent and term life insurance premiums sold in the United States in 2020. With spatial regression analysis using multi-scale geographically weighted regression (MGWR) approach, the authors find the following 5 covariates to be the most statistically significant for and positively correlated with permanent insurance sold: household income, percentage of the population that is African American, education, health insurance, and Gini index (a statistical measure of wealth inequality)