Building Experience Mortality Tables – Practical Aspects

Einleitung/Dauer

In life and protection insurance, accurately assessing mortality is a cornerstone of pricing, reserving, and risk management. Standard mortality tables provide a useful benchmark but often fail to reflect the specific characteristics of an insurer’s portfolio. As a result, insurers increasingly rely on experience-based mortality tables to better capture their own risk profile.

However, building such tables involves significant challenges, including data quality, statistical credibility, segmentation choices, smoothing techniques, and methodological assumptions.
This web session provides a practical and structured approach to constructing experience-based mortality tables, combining actuarial theory with real-world insights applicable across different markets.

Preliminary Programme
Friday, 11 December 2026
09:00-10:30 

• Context and objectives of experience-based mortality tables
• Key challenges and use cases (pricing, reserving, risk management)
• Risk drivers and segmentation (age, underwriting, portfolio characteristics)
• Data preparation and feasibility analysis

10:15-10:30 Break
10:30-12:15 

• Estimation of mortality rates (crude rates, statistical approaches)
• Introduction to survival analysis (e.g. Kaplan-Meier)
• Smoothing and modelling techniques
• From experience to operational tables (adjustments, validation, implementation)
• Practical challenges and best practices

All the above times are given in CET (Central European Time).

Vorgehensweise und Ziele

The session alternates between methodological concepts and practical examples to ensure a comprehensive and operational understanding.

By the end of the session, participants will be able to:

• Understand the key principles of experience-based mortality tables
• Structure and analyse relevant datasets
• Estimate and interpret mortality rates
• Apply smoothing and modelling techniques
• Identify practical challenges and limitations in real-world implementations

The session is interactive and encourages discussion with participants.

Teilnehmer

This training course is designed for:

• Actuaries and actuarial analysts in life or protection insurance
• Risk managers and professionals involved in pricing or reserving
• Professionals interested in biometric modelling and experience analysis

A basic understanding of actuarial concepts is recommended.

Technical Requirements
Please check with your IT department if your firewall and computer settings support web session participation (the programme Zoom will be used for this online training). Please also make sure to join the web session with a stable internet connection.

Dozierende

Aurélie Treilhou
She is an Associate Partner in Actuarial and Quantitative Services at Sia, with over 20 years of experience in life, health, and non-life insurance. She is a fully qualified actuary and a certified member of the French Institute of Actuaries. She has strong expertise in protection and health insurance, with a particular focus on experience analysis and biometric modelling. Aurélie is accredited to certify experience-based mortality tables as well as disability and incapacity assumptions in France. She has led and contributed to the development of numerous experience tables, including mortality tables for savings and funeral portfolios, as well as disability maintenance tables. She has also performed independent certifications of mortality and disability tables for several insurers. Aurélie is an active member of the Health & Protection Committee of the French Institut of Actuaries, where she leads working groups on protection topics. She is also a regular trainer and delivers sessions on the practical construction of experience tables.

Sprache/Kurztitel

The language of the web session will be English.

CPD Credits
For this web session, the following CPD credits are available under the CPD scheme of the relevant national actuarial association:

• Austria: 3 points
• Belgium: 3 points
• Bulgaria: 4.5 points
• Croatia: individual accreditation
• Czechia: 3 hours
• Denmark: 3 credits
• Estonia: 3 hours
• Finland: 3 points
• France: 18 points
• Germany: 3 hours
• Greece: 4 points
• Hungary: 3 hours
• Iceland: 3 credits
• Ireland: 3 hours
• Italy: GdLA individual accreditation
• Latvia: 3 hours
• Lithuania: 3 hours
• Netherlands: approx. 3 points (individual accreditation)
• Norway: 3 points
• Poland: 3 hours
• Portugal: 3 hours
• Serbia: 3 hours
• Slovakia: individual accreditation
• Slovenia: individual accreditation
• Spain: CAC: 3 hours, IAE: 3 hours
• Switzerland: individual accreditation
• USA: SOA (Section B): up to 3.6 hours

No responsibility is taken for the accuracy of this information.