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Mortality Expertise

​Understanding emerging mortality and creating actionable insights is key to our success and the success of our clients.  Our focus is on quantifying the impact of medical advancements on one side with the increased prevalence of certain diseases and how these interact to impact lifespan.


  • Developing insight on large datasets through document digitization

Cause of Death Trends in 2020
U.S. general population mortality improvement and trends by cause of death are helpful in understanding mortality improvement of the U.S. individual life insured population. SCOR’s U.S. Experience Analysis team has analyzed the latest U.S. population deaths using data from the Centers for Disease Control and Prevention (CDC) released in December 2021 and data from the U.S. Census. 
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Insurers have numerous management
actions and product design choices at
their disposal to maximize post-level
term profitability. Designing the optimal premium structure is key to
maximizing profitability. 

Significant mortality improvements during
the past 60 years have been replace with
a plateau or even a decline at some ages.
The long-term nature of our  business
means we need to review how these
changes are impacting the industry's
future. What will US mortality look like
in 30 or 40 years?

The clear correlation between shock
lapse and mortality deterioration as factors that lead to higher lapses also lead to
higher mortality deterioration. The 2021
study sponsored by the Society of
Actuaries confirms prior studies that
the main driver of shock lapse and mortality deterioration is premium increase.