Working Paper 123: “All offices” experience of term assurances, 2011-2016.

Important note: In Working Papers 108 and 123, the results in Section 8 are described as showing high-level experience by calendar year for durations 5+. Erroneously, the results actually show experience for a subset of that data. We have reissued these papers with a prominent “health warning” to see Working Paper 132, which includes correct results to 2018 instead of using either of these papers.

Working Paper 123 was originally published in July 2019. The working paper describes the experience of mortality and critical illness under term assurances in the years 2011 to 2016; the results are available in accompanying spreadsheets. Note: this paper and the results are available to Authorised Users only.

There is a summary spreadsheet (linked below) for each benefit type – Mortality (DB), Accelerated Critical Illness (ACI) and Standalone Critical Illness (SCI) – and datasheets containing more granular data are available on request. Please refer to the paper for more details. The three sets of Summary results released alongside this paper are:

To obtain the Datasheets, please email

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