Death by Spreadsheet: How Mortality Tables Build Life Insurance Products

Mortality tables sit at the foundation of life insurance and annuity products, influencing everything from premiums to reserves and policy guarantees. Understand how mortality data becomes the industry tables used across the market, including the CSO and Individual Annuity Mortality standards. Examine how insurers combine regulatory requirements with their own experience studies to shape pricing and product features. Review Covid-related mortality changes to show how real-world shocks can ripple through underwriting, capital assumptions, and long-term product design.