Description: This study was undertaken to ensure the ongoing adequacy of the modified 1985 CIDA table as specified in Valuation Manual Section VM-26 for single premium credit disability insurance. In addition, the shift in the distribution of sales by term between contracts issued in previous study periods to 2017 and 2021 was analyzed.

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.