Infectious diseases could lead to a significant increase in global morbidity and mortality, potentially leading to an unprecedented number of fatalities and trillions of dollars in insured losses. Despite medical and scientific advances in mitigation and patient care, a pandemic today could cause levels of mortality similar to, or even greater than the 1918 Spanish Flu pandemic, which killed 1–5% of the world's population. Increased global travel, greater exposure to new infectious diseases, and an aging population put the world at significant risk. Verisk's pandemic model provides you with a robust and comprehensive understanding of potential morbidity, mortality, and insurance losses.

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Following decades of mortality improvements for both sexes across age groups and socioeconomic status levels, many countries now face a slowing of life expectancy gains—resulting in a life expectancy reduction for some population groups. These changes in mortality risk are causing increased uncertainty about future mortality changes for life insurers and annuity providers alike.

At the same time, former methods of uncovering insights into an insured’s mortality risk are less reliable, as family history does not carry as much weight as it once did, and regulations increasingly limit access to detailed individual health data.

Verisk's longevity model uses advanced statistical techniques to help you quantify and forecast mortality trends and variability over time. Verisk’s longevity model captures the magnitude of and uncertainty in future mortality changes, allowing you to understand what is driving losses for various population groups. Understanding these longevity changes over time will lead to enhanced financial risk management practices.

Read the AIR Current: Managing the Changing Mortality Risk in an Aging U.S. Population