Life Insurance and Pension Risk Consulting
Explore AIR’s robust life insurance and pension risk analytics capabilities to optimize your portfolio, enhance your reserving strategy, and drive better risk decisions.
Seamlessly Integrate Short-Term Mortality Shocks
An earthquake, terrorist attack, or pandemic could cause a major financial shock to your portfolio. Considering the impact of these short-term mortality events commonly requires information from disparate data sources and models. AIR’s consulting services enable streamlined concentration management by integrating these scenarios directly into your view of mortality risk.
How Can Our Life Insurance Solutions Help You?
As science and technology improve, we should expect life expectancy to logically follow suit— so why did life expectancy in the U.S. drop three years in a row, and what does it mean for life insurers, reinsurers, and enterprise risk management?
Life Expectancy in the U.S.: The Risk of Moving in the Wrong Direction
The United States population is aging—it is expected that in the next 40 years, more than 20% of the population will be 65 or older. Since 1900, U.S. life expectancy has increased overall, thanks to medical advancements.
Managing the Changing Mortality Risk in an Aging U.S. Population
Although reports of opioid abuse started to become widespread in 2014 and this crisis was declared a public health emergency by the Acting Health and Human Services Secretary in October 2017, the “opioid epidemic” actually dates back to the 1990s.