Continuous Mortality Investigation data
This page brings together a number of aspects regarding the data submitted to the CMI.
The CMI’s research is reliant on the data we receive from life insurers and actuarial consultancies. We are very grateful to the organisations that submit data.
- The Per-policy coding guide applies to life offices contributing ‘per-policy’ data to the life office mortality and critical illness investigations;
- The Income protection coding guide applies to life offices contributing individual income protection data; and
- The SAPS coding guide applies to actuarial consultancies and others contributing data to the self-administered pension scheme mortality investigation.
Note that these data requirements have been updated for each of the investigations in recent years. The aims of these changes include improving the accuracy of the analyses and adding new data fields to enable additional analyses to be undertaken. The most significant change in data submission is the move to ‘per-policy’ data for life office mortality - for more details of this change, please click here. For a special 2007-2011 data collection exercise - encompassing life office mortality and critical illness data - data are being accepted in a more flexible format than the Per-policy requirements. Please contact the CMI for more details.
To a large extent, the CMI's analyses and results are based on earlier sets of data requirements. The CMI is happy to accept data submissions from existing contributors using earlier coding guides for the life office mortality, income protection and critical illness investigations, but encourages data to be submitted in the newer formats. Please contact the CMI for more details.
Terms and conditions for data submission
The Terms and conditions under which CMI Limited accepts and processes data submissions can be accessed here. These are considered to apply in respect of any data submitted to the CMI after 1 March 2013, including that which is regarded as 'personal data' under data protection legislation. [It is highly likely, though not certain, that a combination of full postcode with date of birth (and gender) is regarded as 'personal data' in terms of the Data Protection Act 1998.]
Given the widespread publicity surrounding occasions where sensitive data has gone missing from a number of organisations in recent years, we appreciate that data contributors are likely to have concerns surrounding data security. Please click here for more information.
Uses of data
The CMI collects information from insurance companies and pension consultancies in order to carry out research into the mortality and morbidity experience of various classes of insured lives, annuitants and pensioners. More details on the purposes for which this information is used and the conditions under which the CMI may make data available for research purposes and to commercial organisations are provided here.