Individual Life - Policyholder Behavior Experience Studies

The SOA offers experience studies and table reports on individual life, with a focus on persistency, for use by actuaries. Most files are in PDF format.

2024

• 2015-2022 Whole Life/Term Lapse and Surrender Experience Study
  December
  
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• 2015-21 Universal Life Premium Persistency Study
  July

2021

• U.S. Post-Level Term Lapse and Mortality Predictive Modeling
  November
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• U.S. Post-Level Term Lapse and Mortality Experience Report
  May

2019

• 2009-13 US Individual Life Persistency Update
  June

2018

• 2009-13 Lapse/Surrender and Premium Persistency Experience for Flexible Premium Universal Life Products
  September

2014

• 2014 Post Level Term Lapse & Mortality Report
  March

2013

• 2005-2009 Guaranteed Issue and Simplified Issue Life Persistency Study
  December
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• 2013 Survey of Lapse and Mortality Experience
  November

2012

• 2007-09 U.S. Individual Life Persistency Update
  December

2011

• 2005-07 U.S. Individual Life Persistency Update
  December

2010

• Lapse and Mortality Experience of Post-Level Premium Period Term Plans
  July

2009

• 2004-05 U.S. Individual Life Persistency Update
  July

2008

• 2003-04 U.S. Individual Life Persistency Update
  March

2006

• 2001-02 U.S. Individual Life Persistency Update
  March