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Individual Life Insurance Mortality Improvement Scale – for Use with AG38/VM20 – 2025

This report details the 2025 HMI and FMI scale recommendations for individual life insurance mortality valuation under AG38 and VM20 using insured population data.
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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.
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- Date: Sep 2025
- Competency: External Forces & Industry Knowledge; Strategic Insight and Integration; Technical Skills & Analytical Problem Solving
- Topics: Life Insurance; Modeling & Statistical Methods; Public Policy

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Individual Life Insurance Mortality Improvement Scale – for Use with AG38/VM20 – 2025