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CMI Working Paper 124

Working Paper 124: “All offices” individual Income Protection sickness experience for 2011-2016.

CMI Working Paper 124 was published in September 2019. The paper describes the experience of individual Income Protection policies over the period 2011 to 2016. Claim inceptions experience is compared with that expected under both the IP06 and earlier IPM 1991-98 graduations. Claim terminations experience is compared with that expected under the IPM 1991-98 graduations.

The paper also contains a comparison of the 2011-2016 claim inceptions and terminations experience with those of previous quadrennia, using the IPM 1991-98 comparison basis.

A series of spreadsheets are available alongside this paper.

“All offices” results compared with IPM 1991-98:

“All offices” results compared with IP06 (claim inceptions only):

Note: the working paper and accompanying spreadsheets are available to Authorised Users only.

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