Description: Recommendation for a set of improvement factors to be used in conjunction with the 2008 Valuation Basic table or the 2015 Valuation Basic table

Description: U.S. population mortality rates by gender and single year of age for calendar years 2000-2014. To develop these rates, the SOA relied upon data furnished by the Centers for Disesase Control and Prevention, Centers for Medicare and Medicaid Services, and the Social Security Administration.

Description: Mortality improvement rates for AG38 for 2017.

Description: The FAQ page sent to potential participants for the 2007-09 Individual Life Mortality Experience Study.

Description: The values of life insurance and annuity liabilities move in opposite directions in response to a change in the underlying mortality. Natural hedging utilizes this to stabilize aggregate liability cash flows. Our study shows empirical evidence that insurers who utilize natural hedging also charge lower premiums than otherwise similar insurers. This indicates that insurers who are able to utilize natural hedging have a competitive advantage. In addition, we show how a mortality swap might be used to provide the benefits of natural hedging to a firm that writes only one of the lines of business.

Description: We employ a framework for the classification of mortality evolution patterns to HMD data. We find both supra-regional patterns and outliers from global trends.

Description: This is the report on intercompany mortality experience by amount of insurance under standard individually underwritten issues. This study includes policy years 2002–04.

Description: This study is the latest in continuing reports on intercompany mortality experience by amount of insurance under standard individually underwritten issues. This includes both preferred and standard classifications. It covers standard individually underwritten life insurance between 1995 and 2000 policy anniversaries.

Description: This study was undertaken to review pooled companies’ mortality experience on cases reported to the Medical Information Bureau, MIB, with findings suggesting an increased probability of ethanol related complications or hepatic dysfunction. The study examines the mortality associated with evidence of excessive alcohol use, an adverse driving record or abnormalities of the liver function tests.

Description: Download the 2013 Group Term Life Pivot Table – Individual Billed (revised Jan. 2014).