Description: This paper demonstrates the calculation of the moments of the distribution of aggregate life insurance claims from seriatim inforce data, assuming that each record represents an independent Bernoulli trial with its own known probability of a claim, q. Continuous distributions matching the first three or four moments are identified.

Description: This report discusses drivers of U.S. mortality improvement for the short and long term.

Description: A follow-up to the first Preferred Class Structure Report, which contains the additional analysis of areas identified while preparing the first report of preferred class structure data from statistical agent submissions.

Description: An update to the 1975-79 report, this time including experience by amounts as well as by lives.

Description: This study was undertaken to review pooled companies’ mortality experience on cases reported to the MIB with findings suggesting an increased probability of ethanol-related complications or hepatic dysfunction.

Description: New for 2017, we are introducing a series of articles by experienced industry professionals who are relatively new to long-term care (LTC).

Description: Using the Cox proportional Hazards Model to improve underwriting debits and credits.

Description: This paper presents the modeling of mortality risk from exposure to a potential future extreme event such as a natural disaster and a terrorist attack, and its impact on life insurance. With this new model, quantities associated with the total force of mortality such as survival function are derived and the impact of mortality risk on life insurance is examined.

Description: This study used the Impairment Study Capture System (ISCS) to examine mortality results of policies, beginning in 1989, on insured lives with elevated blood pressure.

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