In recent years, the CMI has been consulting with data contributors on the most fundamental review ever undertaken of the data submitted to the Mortality investigations, in particular moving to per-policy data. The principal aims of this move are:

  • to produce more reliable results as the data can be more thoroughly checked
  • to increase data volumes by making data provision easier
  • to produce more valuable analyses, including by new risk factors.

The initiative to switch data collection for the life office mortality investigations to a per-policy basis is vital to the continued success of the CMI. The changes will involve considerable effort from offices too and we would like to thank data contributors in advance in anticipation of their support.

What is changing?

The change involves collecting an individual record per life for each in-force policy and claim, replacing the current tabulation of data by age and duration. This will put the mortality investigations on a similar footing to all the other investigations run by the CMI. However the opportunity has been taken to review other aspects of the data collected and the outcome should be substantially improved analyses. These enhancements also benefit the Critical Illness investigation so the data requirements for both are incorporated into the coding guide.

CMI Working Paper 19

CMI Working Paper 19, and the accompanying coding guide, which were published in December 2005:

  • summarised the responses received to Working paper 13
  • explained the changes made as a result of the consultation exercise, and
  • set out a number of areas for further consideration.


The CMI requests that offices supply per-policy data for Mortality at the earliest opportunity using the latest version of the Coding Guide. The CMI will cease accepting scheduled data for the mortality investigations in due course, but in the meantime we are happy to accept mortality data in the scheduled format from existing data contributors.

For the latest information…

It was anticipated that the Coding Guide would require further clarification as offices began to submit data using this guide, and indeed this is now happening. Access the latest version of the Coding Guide and a summary of changes to the original version issued in December 2005.

If you would like to receive e-mail notifications when these pages are updated please email with a message title ‘Request for per-policy updates’.

Contact Details

If you have any questions about the CMI please email

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Events calendar

  • Asia Conference Webinar Series

    7 September 2020 - 25 September 2020

    Spaces available

    There will be a prestigious line-up of international speakers discussing the insurance and financial industry’s innovation and change in Asia.  The conference will take place throughout September via an online platform. The webinars consist of plenary speaking sessions and a series of workshop sessions including Life, GI, Data Science, Sustainability, Risk Management and Investment.

    This will be the perfect opportunity for you to discover,ask questions and be at the forefront of current and developing actuarial/financial topics and trends in Asia.


  • Spaces available

    This free 90 minute webinar is designed to support the IFoA CPD Co-ordinators, and others, involved in supporting our members to achieve their CPD requirements. 

    The programme will include an overview of the new CPD Scheme; specifically sharing with you key messages to support you implement and embrace the new CPD Scheme for our members within your organisation and regional community; how to arrange a reflective practice discussion; and an interactive reflective practice discussion learning exercise.  In addition, delegates will gain information about accessing, and making the most of the IFoA event Toolkits which you can make use of to run your own in-house events and events for regional communities. 

  • Spaces available

    16.00-17.00 GMT+8

    Consumer expectations are changing Insurance. The Royal Commission in Australia, Design Obligations in the UK, the insurtech ecosystem, and digital-first consumers demanding personalised solutions will all revolutionise how insurance looks like in the future.

  • Spaces available

    12.00-13.00 GMT+8

    This presenter / panel workshop hybrid will be anchored by two presentations examining the socioeconomic, medical and technological factors that will have a significant impact on mortality and our pricing over the next 20 years and beyond. It will also discuss whether significant mortality improvement will continue in Asia or whether varying experience of low improvements or deterioration. 

  • Spaces available

    12.00-13.00 GMT+8

    This presentation aims to provides an overview of the reformation of current Chinese regulatory solvency regime, how industry coping with the new normal after pandemic time and how the reformation of the regulation could help the insurance industry gets back on its feet as well as coming back to the “protection” core value for the policyholders. The presentation would include:

  • Spaces available

    16.00-17.00 (GMT+8) | 09.00-10.00 (BST)

    The basic data of China’s 2nd Critical Illness Mortality Table covers 2000+ products in Chinese market, including about 340 million insurance policies and 5.1 million claimants. Presenter will give the audience a general understanding including but not limited to the following contents:

  • 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
    Spaces available

    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.

  • Spaces available

    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.

  • Spaces available

    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.