Description: The Canadian Institute of Actuaries (CIA) and Society of Actuaries (SOA) engaged RGA Reinsurance Company (RGA) to undertake a research project on level premium term life insurance products with a particular focus on the magnitude and impact of the “shock lapse” at the end of the level premium period. This project is similar to the SOA-sponsored research completed by RGA in 2014 for USA business.

Description: 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: 2023 Generally Recognized Expense Table (GRET) recommendations.

Description: This report provides a resource guide for asset-liability management practitioners, including methodology reviews, a survey of ALM practices, and guidance for applying ALM questions to real-world situations.

Description: The digital revolution has transformed the insurance sector, introducing new technologies and innovative players. Traditional insurers face challenges from Big Tech and insurtech startups, prompting them to adapt or innovate. This study presents a framework to analyze market dynamics and potential partnerships, helping insurers identify competitive advantages and future paths in a digital era.

Description: This report details the 2025 HMI and FMI scale recommendations for individual life insurance mortality valuation under AG38 and VM20 using insured population data.

Description: A biennial survey analyzing financial risk awareness and retirement transition experiences of Americans aged 45–80.

Description: This is a detailed report analyzing the 2019 Individual Life Insurance Mortality Experience, focusing on data validation, trends in mortality experience, and comparisons between different datasets. It includes insights on mortality patterns by age, sex, policy characteristics, and provides detailed methodology and findings.

Description: Based on work performed by Bob Howard, a former member of RPEC, the SOA developed a spreadsheet-based program that allows users to create a customized mortality improvement scale using the RPEC_2014 model. The RPEC_O2_v2018 model found here utilizes the same projection methodology underpinning the RPEC_2014 model except that the historical rates have been developed using “order-2” Whittaker-Henderson graduation rather than “order-3”.

Description: This report, from the Society of Actuaries [SOA] ‘Experience Studies – Individual Disability,’ represents the first study of individual disability income [IDI] lapse experience conducted jointly by LIMRA International and the Society of Actuaries [SOA] Individual Disability Insurance Experience Committee. The study examines lapse activity for years 1999 through 2001.