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Life Insurance Research Reports

If you’re looking for research projects and reports on life insurance, you’ve come to the right place. The SOA offers research, authored by an individual or a team of authors, for download in just a few clicks.

2019

  • Company Practice Survey of Individual Life Insurance Underwriting
    June
    The Reinsurance Section, Product Development Section and the Committee on Life Insurance Research are pleased to present preliminary results from a company practice survey of individual life insurance accelerated underwriting. Performed by a Milliman team led by Al Klein and Karen Rudolph, the study provides perspectives from both direct life insurance companies and reinsurers. Among the areas addressed include the structure of accelerated underwriting programs, how programs are monitored, how accelerated underwritten business is performing relative to expectations and how companies are considering accelerated underwriting cohorts in the context of VM-20 assumption setting. The report recaps a presentation of the preliminary results from the 2019 Life and Annuity Symposium. The final results are expected to be available later in 2019.
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  • Practical Analysis of PBR Mortality Credibility for Term Insurance
    June 
    The Smaller Insurance Company Section, the Committee on Life Insurance Research and the Product Development Section announce the release of a new report on the impact mortality credibility has on principle-based reserves.
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  • Considerations for Predictive Modeling in Insurance Applications
    May
    The Modeling Section, Predictive Analytics and Futurism Section, Committee on Life Insurance Research, Product Development Section and Reinsurance Section releases a report that can help to educate actuaries on how best to implement predictive modeling into relevant areas of actuarial practice.
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  • The Use of Predictive Analytics in the Canadian Life Insurance Industry 
    May 
    The Canadian Institute of Actuaries and Society of Actuaries Committee on Life Insurance Research, the Product Development Section and the Financial Reporting Section, sponsored this study investigating how the Canadian life insurance industry is utilizing predictive modelling.
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  • Living to 100 Insights on the Challenges and Opportunities of Longevity 
    April 
    Report on Living to 100 Insights on the Challenges and Opportunities of Longevity.
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  • Drivers of U.S. Mortality Improvement Expert Panel Forum Report 
    January 
    This report summarizes a daylong Expert Panel Forum discussion, which included experts from inside and outside the insurance/retirement industry, who were invited to participate in a discussion to provide input about drivers of U.S. mortality improvement for the short and long term.

2018

  • Modeling and Forecasting Chinese Population Dynamics in a Multi-Population Context 
    December 
    The purpose of this project is to forecast China's population structure in the coming decades by projecting both the mortality and fertility rates of the Chinese population. In particular, we forecast China's future mortality rates in a multiple-population context, by explicitly allowing its systematic mortality patterns to gradually converge to those of a group of more developed countries with higher life expectancy levels and better data quality.
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  • Earnings Emergence Insurance Accounting Under Multiple Financial Reporting
    December
    The Financial Reporting Section, Reinsurance Section and the Committee on Life Insurance Research are pleased to announce the release of a new report examining differences in measurement and presentation under various insurance accounting bases.
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  • Mortality Analysis of 1898-1902 Birth Cohort
    December
    The Reinsurance Section, Product Development Section and Committee on Life Insurance Research announce the release of a new report on the mortality analysis of 1898-1902 birth cohorts.
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  • The Impact of Genetic Testing on Life Insurance Mortality
    October
    The Society of Actuaries (SOA) Reinsurance Section, Product Development Section and the Committee on Life Insurance Research, are pleased to make available new research exploring genetic testing and U.S. life insurance mortality.
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  • Overview of the United States Mortality DataBase
    July
    This report documents progress on a multi-year project initially funded by the United States National Institutes of Health (through grant #R01-AG010245) with additional support from the Research Expanding Boundaries Pool of the Society of Actuaries. The goal of the project is to foster research on geographic variability in survival within the United States by providing access to standardized historical mortality series for the 4 Census Regions, 9 Census Divisions and 50 states plus the District of Columbia.
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  • Survey of Waiver of Premium/Monthly Deduction Rider Assumptions and Experience
    March
    This paper summarizes the results of a survey of waiver of premium/monthly deduction rider assumptions and experience.
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  • Actuarial Review of Insurer Insolvencies, Future Preventions  
    January
    Sponsored by the Canadian Institute of Actuaries (CIA), Casualty Actuarial Society (CAS), and Society of Actuaries (SOA), this study looks at causes of insolvency and decisions made by management, regulators, and policyholders over the life cycle of the insolvency. This study is intended to educate insurance professionals on historical insurer impairments and insolvencies and possible future prevention indicators.

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