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CMI investigations

The CMI undertakes the following separate investigations into mortality and morbidity experience


The mortality experience of annuitant contracts is analysed, and a number of graduations of annuitant mortality experience have been performed. Before November 2013 such experience was analysed with that of mortality under assurances.

Read more about the annuities investigation.


The claims experience of mortality and critical illness contracts is analysed and a number of graduations and tables have been produced. Before November 2013 the experience of mortality contracts was analysed alongside annuitant mortality (see above) and the experience of critical illness contracts was analysed by the former Critical Illness Committee.

Read more about the assurances investigation

Income protection

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.

Read more about the income protection investigation

Mortality projections

The CMI has produced a number of tools for modelling future mortality improvements, together with supporting research papers; in particular, the CMI Mortality Projections Model is updated regularly.

Read more about the CMI's work on mortality projections

SAPS mortality investigation

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. The Committee carries out graduations of its dataset from time to time and has produced three sets of mortality tables; the most recent being the “S3” Series mortality tables issued in December 2018 alongside Working Paper 113.

Read more about the SAPS mortality investigation

Contact Details

If you have any questions about the CMI please email

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Events calendar

  • Spaces available

    Over recent months there has been a sharp rise in M&A activity involving British businesses, with interest from overseas, domestic buyers and Private Equity investors.  

  • Spaces available

    Frank Redington is recognised as one of the most influential actuaries of all time. In this talk, Craig will review some of Redington's most important ideas. He will identify the consistent actuarial principles that form a common thread across the contributions Redington made to a broad range of actuarial fields, and will highlight the ongoing relevance of Redington's thinking to 21st century actuarial practice.

  • Spaces available

    The IFoA Mental Health working party look back over their week of blogs and podcasts considering all aspects of the relationship between mental health and life insurance. The expert panel spans adviser, underwriter and actuarial experience and they  explore triggers for purchasing insurance relating to mental health, the various routes to insurance and how these may be more suited to different people depending on their conditions and preferences, the products and processes involved in purchasing these as well as what claims and support are available to policyholders and how to access them.

  • Spaces available

    Part of the 'Finance in the Public Interest 2022' webinar series. If it was ever okay to consider your business in isolation from its surroundings, today it most definitely is not. Thinking about business within its surrounding system is now a necessity. The question we seek to discuss is: How should we prescribe the boundaries in which we consider problems to enable us to create better products and more resilient companies and systems?

  • Spaces available

    What will happen to DC pension savers who see life annuities as poor VFM but still want an income for life?  Pooled annuity funds could offer them a decent lifetime income while reducing significantly the complex choices and risk inherent in income drawdown.  They could be the next generation of CDC pension schemes, slotting into the existing DC framework as a post-retirement option.