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U.S. Post-Level Term Lapse and Mortality Experience

U.S. Post-Level Term Lapse and Mortality Experience Term Life insurance is a popular product in the U.S. As a growing number of policyholders have been reaching the end of the level term period, ...
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Description: Term Life insurance is a popular product in the U.S. As a growing number of policyholders have been reaching the end of the level term period, the SOA has been committed to studying policyholder behavior in the post-level term (PLT). Shock lapse, post-level term lapse and mortality have previously been analyzed in SOA PLT studies conducted in 2010 and 2014. This study provides an update of experience and some valuable new insights.
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- Authors: Aisling Bradfield, Carolyn Covington
- Date: May 2021
- Competency: External Forces & Industry Knowledge
- Topics: Life Insurance

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U.S. Post-Level Term Lapse and Mortality Experience