In 2012, Reinsurance Group of America (RGA) completed its initial assessment of TrueRisk Life in the United States. In a new study, RGA looks back and finds that credit data continues to be a strong predictor of mortality, even over the extended time period.
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COVID-19 has now been with us for two years. It has hit the global life insurance industry hard. Although we can’t predict the ultimate course of pandemic, we expect the virus to impact global mortality in the near future.
For the United States as a whole, and life insurers in particular, 2021 was a year marked by higher mortality as the COVID-19 pandemic entered a third year. The Centers for Disease Control and Prevention reported deaths up across many categories, higher even than 2020.
Mortality and morbidity trends among hospitalized COVID-19 survivors can shed vital light into the insurance implications of the pandemic.
There was an expectation by life insurers that COVID-19 deaths would decline as vaccination rates increased throughout 2021. That has not happened.
This article is the last in a three-part series, highlighting areas of research funded by the Longer Life Foundation (LLF), a not-for-profit organization that supports the study of scientific and public health factors predicting mortality, morbidity, longevity, and wellness.
Insurers have known for a long time that the mortality rate of an insured population is much better than in the general population. This difference is critical for insurers, but there hasn’t been enough insurance data to fully understand mortality improvements, so we must rely on population mortality to guide our analysis.
Research collaboration between RGA and King’s College London shows potential of genetic predisposition in predicting common diseases