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  • Individual Life Insurance Mortality Improvement Scale – for Use with AG38/VM20 – 2024

    The Mortality Improvement Life Working Group released a recommendation for a set of improvement factors that vary by gender and attained age to be used in conjunction with the 2008 Valuation ...

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    • Date: Sep 2024
    • Competency: External Forces & Industry Knowledge; Strategic Insight and Integration; Technical Skills & Analytical Problem Solving
    • Topics: Life Insurance; Modeling & Statistical Methods; Public Policy

  • 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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    • 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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