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Athauda D, Maclagan K, Budnik N, Zampedri L, Hibbert S, Skene SS, Chowdhury K, Aviles-Olmos I, Limousin P, Foltynie T

DOI: 10.1016/j.ctim.2019.102272

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Potential implications for insurers Insurers may want to consider the implications of AOMs for their business: Review trend assumptions to identify whether changes are needed Consider new lapse risks Assess how AOMs might affect underwriting and claims Establish processes to keep on top of this fast-moving space Reviewing mortality improvement assumptions An insurer's current mortality trend assumptions likely include anticipated improvements from drivers such as medical advances