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Income Protection

Working Paper 156 Working paper 156: Impact of COVID-19 on Income Protection business – qualitative analysis (Issue date: 12/11/2021)

Working Paper 149 

Changes to analysis methodology for the CMI Income Protection Investigation and the impact of past data issues (Issue date: 28/4/2021)
Working Paper 136

Final “IP11” claim inception and termination rates for individual income protection (Issue date: 07/9/2020, v03 issue date: 28/4/2021)

Working Paper 131

Proposed “IP11” claim inception and termination rates for individual income protection (Issue date: 29/4/2020, v03 issue date: 28/4/2021; Response date: 30/6/2020)

Working Paper 124 “All offices” individual Income Protection sickness experience for 2011-2016 (Issue date: 30/9/2019, v03 issue date: 28/4/2021)
Working Paper 120 

Final “IP06” claim inception rates for individual income protection (Issue date: 27/3/2019)

Working Paper 109 

Proposed “IP06” claim inception rates for individual income protection experience (Issue date: 11/07/2018; Response date: 30/09/2018)
Working paper 102 Income Protection experience by benefit amount band and policy duration, 2003-2010 (Issue date: 25/08/2017)
Working paper 96 “All offices” individual Income Protection sickness experience for the 2007-2010 quadrennium  (Issue date:  17/03/2017)
Working paper 72 Analysis of individual income protection experience, 1991-2009, by cause of sickness.  (Issue date:  17/04/2014; Response Date: N/A)
Working paper 60 Sickness experience for individual income protection policies: experience for 2003-2006 compared with 1991-2002; results for 1991-2006 re-stated using IPM 1991-98 as the comparison basis (Issue date: 17/02/2012)
Working paper 59 Reporting sickness experience for the CMI individual income protection investigation: summary statement of revised methodology; description of updated format of results tables; and analysis of change in methodology and comparison basis (Issue date: 17/02/2012)

Working paper 48

An overview of the sickness inception and termination rate graduations (Issue date: 30/07/2010)
Working paper 47 The graduation of sickness rates for the CMI individual income protection experience for males 1991-98 of males, occupational class 1 (Issue date: 30/07/2010)

Working paper 46

Background papers on the analysis of CMI individual income protection claim records (Issue date: 30/07/2010)

Working paper 24

Sickness experience 1999-2002 for group income protection policies (Issue date: 13/12/2006)

Working paper 23

Analysis of individual income protection experience by cause of disability (Issue date: 09/08/2006)

Working papers 5, 6 and 7

New graduations of income protection termination experience (Issue date: 07/05/2004)


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  • Spaces available

    We’ve all heard about the gender pay gap. Sadly, the gap doesn’t just exist with base pay.

    Research carried out by Legal & General in 2021 across the four million members in our Defined Contribution (DC) pensions, found that there’s a gender pension gap too, continuing the divide between men and women.

  • Spaces available

    As current global events continue to demonstrate, geopolitical tensions present significant risks to corporates of all sizes. However, these types of risk are often not given the discussion time it needs at the board level or executive committee levels, nor the resources required to anticipate, analyse and mitigate them effectively.

  • Spaces available

    At retirement, it has become very popular for those with Defined Contribution (DC) pensions to choose drawdown rather than an annuity, but drawing a sustainable lifetime income in this way is an impossible challenge for most people. We consider a Decumulation Pathway for the typical consumer, where a small part of the DC fund is set aside for any flexible access and legacy requirements. The bulk is then used to provide a lifetime income, utilising the pooling or insuring of longevity risk.

  • CILA 2022

    23 May 2022 - 24 May 2022

    Spaces available

    We continue to live in a world of global uncertainty. Survival depends on our ability to simultaneously navigate through the diverse root-causes, ranging from: the consequences of Climate Change; transitioning to Net Zero; increased inflationary pressures and supply chain issues; to self-imposed changes in regulatory requirements. CILA 2022 focuses on these challenges to ensure we continue to be informed and remain battle ready, as well as showcasing highlights of recent CMI outputs.

  • Spaces available

    In the spirit of fostering the IFoA’s vibrant, global community and enabling our members to participate, we have decided to hold our AGM virtually again this year. This allows for greater accessibility to this important annual event, and for greater accountability of our organisation.

    The Business of the AGM

  • The IFoA Conference 2022

    133 Liverpool St, London EC3A 7BX and Online
    22 June 2022 - 23 June 2022
    Spaces available

    We’re delighted to welcome you back to our first in-person conference since early 2020, also being delivered virtually in our first-ever hybrid event. The theme of our inaugural two-day conference is ‘Focusing on tomorrow’s actuary’ and will explore the contribution actuarial science is making to some of tomorrow’s biggest issues.