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Assurances investigation

The CMI investigates the claims experience of policyholders with term, endowment and whole life assurances issued by UK life offices.

Brief history

Until November 2013, mortality under assurance contracts was covered by the life office mortality investigation and critical illness experience was covered by the critical illness investigation. Since that date, both have been covered by the assurances investigation.


The CMI currently adopts a flexible approach to the data it collects – the data requirements are described in Data submissions to the CMI Assurances investigation (Nov 2016).

Methodology and Results

Contributing offices receive results in respect of the business for which they have submitted data. Aggregate ‘All Office’ results are also produced.

The methodology used for the all-offices results for the years 2007-2010 is described in Working paper 75. This also provides a brief commentary on the results, which are available in the accompanying spreadsheets.  These results have also been made available using the “08” Series rates to calculate expected claims; the spreadsheets can be found alongside  Working Paper 89 for accelerated critical illness, Working Paper 92 for mortality under term assurance policies and Working Paper 94 for stand-alone critical illness.

Mortality and critical illness tables

The “08” Series assurances tables were issued alongside Working Paper 94 comprising accelerated critical illness tables based on experience in the years 2007-2010 and term mortality tables based on the corresponding dataset.

Earlier tables are available under the life office mortality investigation and the critical illness investigation.

Contact Details

If you have any questions about the CMI please email