New RGA research examining U.S. cancer mortality and incidence trends reveals a shifting landscape. While overall cancer mortality has declined significantly during the past two decades, deeper analysis shows slowing mortality improvements, rising incidence among you...
Recent mortality experience increasingly supports a return to pre-COVID-19 pandemic expectations in the UK and the U.S., but the pattern is not universal. Analysis using three philosophical views calibrated to the CMI_2025 model shows why assumption-setters must alig...
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As long as the smoker-to-non-smoker mortality ratio remains relatively stable across impairment severity levels, smoking and the impairment should be considered independent, and no additional interaction should be reflected in underwriting. Only when the smoking mult...
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