V67 – Policyholder Behavior Experience for Life and Annuities

Submitted on 19th April 2021

Presenters will review the results of recent ongoing studies of policyholder behaviour experience for life insurance and annuity products including individual life insurance lapse/surrender and premium persistency as well as individual annuity surrender/lapse and utilization of guaranteed living benefits. These studies provide an industry benchmark for companies to aid in the assumption setting process. Key drivers of experience will be examined in the context of predictive modelling techniques.

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SOA - Reinsurance Section
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