Death by Spreadsheet: How Mortality Tables Build Life Insurance Products
Mortality tables quietly power the life insurance and annuity products your clients rely on. Understand how those tables are built, how regulators and actuarial groups create “official” standards, and how insurers adapt them using real-world experience. Review Covid-era mortality as a case study in how sudden changes can affect pricing, underwriting, and product design.
- Date and Time
- Webinar Duration
- 60 minutes
- CE Requirements
- Verify your state and license CE requirements
- Topics
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- Clarify how mortality tables are structured and why they are essential to pricing, reserving, and policy guarantees
- Trace the process that turns raw carrier data into official industry valuation tables such as the CSO and IAM
- Compare regulatory mortality standards with the assumptions insurers actually use in product pricing
- Illustrate how underwriting classes like smoker status and preferred risk affect mortality expectations
- Analyze the Covid mortality shock to see how sudden shifts in death rates influence life insurance blocks and annuity products