Browsing: Mortality Risk

Those still trying to understand any potential future impact of Covid-19 on mortality are conducting an exercise in futility.

The International Capital Standard (ICS) introduces a new approach to discounting illiquid liabilities — one that includes an explicit credit risk premium. But how does it compare to Solvency II’s Fundamental Spread? And what might it mean for UK insurers already familiar with the Matching Adjustment?

Potential new entrants seeking to get a piece of the life insurance-based permanent capital action have a few options.

Universal life insurance policy application activity was yet again lower in March when compared to the prior year, seeing an 8.7% reduction compared to 2023.

Recent months have delivered two significant developments that could profoundly impact life expectancy for those with chronic kidney disease.

As our population ages, the significance and frequency of falls increases. This affects life expectancy as well as morbidity and mortality.

Those advising insurance companies and pension schemes on mortality are paying very close attention to developments with anti-obesity medicines.

Reverse mortgage securitisation activity is set to pick up in the coming years.

Demand for balance sheet solutions from insurers and supply of capital from asset managers provide market with solid fundamentals to maintain recent activity.

Arguably, the US life insurance industry had a strong 2023 from a balance sheet perspective. Asset growth outpaced liability growth, and policy reserves grew as well and the legacy of the Covid-19 pandemic would appear to be diminishing.