The CMI collects information from insurance companies and actuarial consultancies in order to carry out research into the mortality and morbidity experience of various classes of insured lives, annuitants and pensioners

The purposes for which the CMI uses the information it collects are to:

  • compare the actual mortality and morbidity experience with the expected experience based on one or more published tables
  • construct tables of mortality and morbidity functions based on analysis of aggregated data primarily for use by members of the actuarial profession
  • make estimates of future developments in mortality and morbidity rates
  • carry out other statistical investigations and research that may be useful to actuaries with regard to the conduct of long term assurance, annuity and pension business, of sickness and related insurances and of self-administered pension schemes.

Under the Terms and Conditions which govern the collection of data by the CMI, we are required to specify our areas of research for the current year (1/3/2016-28/2/2017) and the subsequent year (1/3/2017-28/2/2018)

Within the purposes set out above, the CMI intends to use the following factors in its analyses in each year:

  • Annuities - age, gender, policy duration, smoker status, retirement type, product category, whether or not underwritten, territory, joint life/single life, distribution channel, calendar year, benefit amount and year of commencement
  • Assurances - age, gender, policy duration, smoker status, product category, whether or not underwritten, territory, joint life/single life, distribution channel, benefit amount, calendar year, cause of critical illness claim and year of commencement
  • Income Protection - age, gender, policy duration, smoker status, deferred period, occupation class, rating (by lifestyle or medical), employment status, whether or not underwritten, underwriting impairment, territory, distribution channel, product category, duration of claim, mode of termination, cause of sickness, benefit amount, calendar year and year of commencement
  • SAPS Mortality - age, gender, duration of pension, type of pensioner, industry, calendar year and pension amount.

For all of the above, we may also produce high-level results by office or by scheme, in order to illustrate the variability between experiences, in a manner that does not allow the office/scheme to be identified.

Any use of other factors (specifically including the use of postcode) during this period will be subject to consultation with, and prior approval from, data contributors.

The CMI makes available the results of its research by a number of means:

  • Data contributors receive an analysis of the experience of each set of information they provide.
  • Subscribers and other Authorised Users receive an analysis of the aggregated experience of the aggregated experience of a number of data submissions, usually for a single year or for several years combined.
  • The CMI also releases the results of some of these aggregated analyses in written documents on the website of the Institute and Faculty of Actuaries (IFoA) together with tables of mortality and morbidity functions and the results of other research to Subscribers and other Authorised Users.

Such research results will always be aggregated in such form that they cannot be considered personal data or sensitive personal data within the context of the Data Protection Act.

In certain circumstances the CMI may supply data to universities, and others, for non-commercial research

This will be done under a Research License which sets out the obligations of the researcher(s) and the CMI

All requests for data for research should include the following:

  • confirmation that the terms of the Research Licence will be met
  • information about what data is required
  • a summary of the purpose of the data request and the intended output.

Data will only be released for research purposes where the CMI Management Committee agrees that the proposed research may provide a worthwhile addition to actuarial knowledge. The CMI reserves the right to levy a charge for the handling of such data requests.

Any data provided for research will have been de-personalised in such form that they can no longer be considered personal data or sensitive personal data within the context of the Data Protection Act. In addition, any data provided will normally be aggregated so as to preserve the confidentiality of information relating to individual life offices or pension schemes.

Occasionally the CMI may make available data that indicates, via anonymous codes, the data from individual life offices or pension schemes. Such research will only normally be undertaken at the instigation of the relevant investigation committee and the Research License requires that:

  •  published work based on the data will not include any figures that might allow an individual life office or pension scheme to be identified; and
  • a draft copy of the report will be submitted to the CMI prior to publication for approval.

Contact Details

If you have any questions about the CMI please email

info@cmilimited.co.uk