Description: The article talks about how Small Insurance Companies can make significant use out of experience studies, not to just to comply with PBR or other regulatory requirements, but also in managing their business.

Description: The Society of Actuaries (SOA) and the LIMRA Secure Retirement Institute are pleased to present the results of new research on the retirement market in China.

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: The results of the 2016 Group Term Life Experience Study, which includes experience for policies in force anytime during 2010 through 2013.

Description: This report covers some additional analysis of the data used to create the 2015 Valuation Basic Tables.

Description: This is an Impairment Study Capture System (ISCS) study of contemporary Diabetes Mellitus mortality among insured lives. The policies were issued at standard or substandard premium rates between 1989 and 2002 policy anniversaries.

Description: The Society of Actuaries (SOA) and the LIMRA Secure Retirement Institute are pleased to present the results of new research on the retirement market in China.