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CMI Working Paper 152

Working Paper 152: “All offices” experience of term assurances for 2015-2018 and 2019 plus indicative analysis of experience to mid-2020

Working Paper 152 was published in June 2021. The working paper describes the experience of mortality and accelerated critical illness under term assurances in the years 2015 to 2018 and 2019 and the experience of stand-alone critical illness in the years 2016 to 2019; the results are available in accompanying spreadsheets.

Additionally, the paper includes indicative analysis of term assurances to 30 June 2020 for a subset of offices.

Note: this paper and the results are available to Authorised Users only.

There are summary spreadsheets (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 five sets of Summary results released alongside this paper are:

To obtain the Datasheets, please email Assurances@cmilimited.co.uk.

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  • 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.