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Per-policy data submission FAQs

What is per-policy data submission?

The CMI has been consulting with data contributors on a fundamental review of the data submitted to the mortality investigations. Please click here for more information on this and for the latest coding guide.

In the coding guide, a field ‘Date of amount review’ is required. Is this date only applicable if a contractual review is built into the contract or is it the date of each contractual benefit change?

The "Date of amount review" field is intended to apply to regular, contractual changes to benefits as listed in the "Type of increment/decrement" field (see section 5.33) - for example annual RPI increases. For non-contractual or irregular changes this field should not be used. For example, consider a reviewable critical illness product, reviewable every 5 years, say. Changes to the sum assured may or may not occur, therefore such changes are irregular. In this case, changes to benefits would better be recorded as "Alterations", as described in section 4.5 of the coding guide. However, if there is no change to the benefit but a change to premiums then no alteration is required as premium information is not collected by the CMI.

Where policies are amended from joint life to single life (or vice versa), how should these be recorded?

For the example of a joint life to a single life, 2 records should be submitted, showing a date of exit as the date of change from joint to single for each life and a type of exit of 'A'. The single life is also included with a movement on date of the date of change from joint to single with an entry into current status of 'A'. The date of policy commencement and benefit commencement for all records should be the original policy dates. As for subsequent submissions, the "Entry into Current Status" field should be coded as 'I' rather than 'A' (assuming no more alterations occur). 'A' refers to alterations in the current year rather than previous years, as per section 4.5.

What if a policy cannot be submitted according to the coding guide or I need to make some assumptions about the data, e.g. the date a particular event occurred?

One of the aims of moving to a per-policy basis is to make it easier for offices to submit CMI data (after the initial pain!). Hence it is hoped that we will capture more data which can be included in the CMI investigations. If you cannot adhere to the coding guide then please contact us so that we find a way for you to submit the data rather than excluding it. If any data is then found to fall outside the scope of the current investigations then it may not be used straight away, but new investigations covering such data can be introduced, if sufficient data is received from other providers. If assumptions need to be made, then again, please contact us.

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  • Autumn Lecture 2020: Professor Elroy Dimson

    Online webinar
    14 October 2020

    Spaces available

    Many individuals and institutions have a long-term focus, and invest funds for the benefit of future generations. Their strategy should reflect their long horizon. University endowments are one of the oldest classes of institutional investor, and I will present the first study of the management of these endowments over the very long term.

  • GIRO Conference 2020 Webinar Series

    Available to watch globally in November.
    02-13 November 2020
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    This year's GIRO has been re-designed as a virtual conference to offer members and non-members the opportunity to get up to date content from leading experts in the general insurance field via online webinars. All sessions will be recorded and made available to purchase and re-watch post-event on the IFoA's GI Online Learning Resource area

  • Life Conference 2020 Webinar Series

    16 November 2020 - 27 November 2020

    Spaces available

    This year's Life Conference has been re-designed as a virtual conference to offer members and non-members the opportunity to get up to date content from leading experts in the life insurance field via online webinars. All sessions will be recorded and made available to purchase and re-watch post-event on the IFoA's website.

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    Cash-flow driven investing is a game-changer for DB pension funds navigating their end-game. Suitable for sponsors who want to reduce risks on their balance sheets. And for trustees, it shifts the focus to providing greater certainty of returns, managing funding level volatility and ensuring they have enough income to pay cash-flow requirements.

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    Patrick Kennedy, Partner at Gateley Legal and Founding Director of Entrust (a leading professional pensions trustee company), will be delivering an update on the latest legal developments during the course of 2020. With both a pensions legal perspective and over 25 years of trustee service, Patrick will seek to highlight how the letter of the law has continued to evolve against the backdrop of a difficult and challenging year

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    The talk will provide an understanding of the priorities and relationships between deficit reduction contributions, in the context of wider scheme funding, and different types of value outflow from the employer based on the working party’s recently published report.