The CMI undertakes the following separate investigations into mortality and morbidity experience.
Life office mortality
The mortality experience of life assurance, annuitant and pensioner contracts is analysed. A number of graduations of the mortality experience have been performed and, given the large volume of data available, it has been possible for analyses of mortality improvements in the assured lives data to also be carried out.
The claims experience of stand-alone and full acceleration critical illness contracts is analysed. The Committee has also derived critical illness diagnosis rates - the AC04 tables.
The claim inception and termination (by recovery or death) experience of individual income protection business is analysed. Graduations of the inceptions and terminations experience have also been carried out - SM1975-78 and IPM 1991-98.
Self-administered pension scheme mortality
The mortality experience of pensioners of self-administered pension schemes is analysed. Regular analyses of the aggregate dataset are undertaken and additional ad-hoc analyses are also carried out by the Committee. Graduations of the mortality experience of various subsets of the dataset have been performed - "S1" Series of mortality tables.