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Insurance Solutions

Formerly Moody’s RMS

LifeRisks platform

Moody’s LifeRisks is a cloud-based software platform that delivers the models and data to perform portfolio-specific analytics for the management of extreme mortality and longevity risk.

Maximize portfolio resilience

Enhance coverage across 59 countries, balancing mortality shocks with longevity trends, and safeguarding against global uncertainties.

Future-proof against pandemic impacts

Drawing from COVID-19 learnings, harness advanced analytics to anticipate pandemic-induced disruptions, calibrate premiums, and maintain profitability.

Optimize risk hedging

Manage risk capital for life insurance and annuities, ensuring financial efficiency across both mortality and longevity risks.

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The next Pandemic: Risk drivers for life, health, and business interruption insurance

COVID-19 reshaped (re)insurers’ approach to pandemic risk.  Discover how ecological shifts, human behavior, and medical breakthroughs influence these risks.  Dive into our enhanced Infectious Disease Model, informed by COVID-19 insights, to proactively manage exposures across life, health, and more. 

Download our white paper to understand the future of pandemic risk modeling. 

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Swiss Re chooses Moody’s for pandemic risk

Moody’s was selected by Swiss Re for the 2020 reissuance of its excess mortality bond (‘Matterhorn’).  Moody’s RMS models provided in-depth insights into the risk of extreme mortality from a variety of perils, most notably pandemics and terror attacks. The bond was well-received by investors, taking Swiss Re’s protection from the Matterhorn program to US$855 million. 

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Putting strategic growth plans under the analytical microscope

A top-20 global life insurer operating its own internal economic capital models wanted to analyze the effect its strategic growth plan in the bulk annuities market had on its overall risk profile.  The client was looking to acquire large books of annuities and wanted to assess the interaction between longevity risk and existing mortality risk to understand the net effect for a range of stochastic and real-world scenarios.

Find out how Moody’s LifeRisks and Consulting Services developed a complete turnkey solution for this client. 

Read customer success story

Science, technology, insurance

As an authoritative resource in stochastic risk modeling, mathematical biology, and epidemiology, LifeRisks combines modeling science, technology, and insurance expertise.

Forward-looking mortality model

Detailed analysis of "vitagions" – drivers of mortality improvement – provides a framework to project medium- and long-term dynamics of mortality trends.

Understand extreme mortality

Combine the latest infectious disease modeling alongside individual perils that cause mortality shocks such as terrorism and earthquake, to deliver insightful causal analysis.

Risk diagnostics

Drill down into model results to understand risk drivers and identify scenarios that represent key loss thresholds. 

Independent and impartial

Moody's provides impartial risk analysis, as our models support insurers, reinsurers, intermediaries, and the capital markets.

Regional and country LifeRisks models

Regional Models

Click a region on the interactive map to see coverage.
See Global Model coverage
Global Map
North America LifeRisks
  • Infectious Disease
  • Canada

  • Mexico

  • United States

  • Longevity, Excess Mortality
  • Canada

  • United States

Europe LifeRisks
  • Infectious Disease - Africa
  • South Africa

  • Infectious Disease - Europe
  • Austria

  • Belarus

  • Belgium

  • Bulgaria

  • Croatia

  • Czech Republic

  • Denmark

  • Estonia

  • Finland

  • France (including Monaco)

  • Germany

  • Greece

  • Hungary

  • Iceland

  • Ireland

  • Italy

  • Latvia

  • Lithuania

  • Luxembourg

  • Netherlands

  • Norway

  • Poland

  • Portugal (including Madeira Islands)

  • Russia

  • Slovakia

  • Slovenia

  • Spain (including Canary Islands)

  • Sweden

  • Switzerland

  • Turkey

  • Ukraine

  • United Kingdom

  • Infectious Disease - Middle East
  • Bahrain

  • Israel

  • Qatar

  • United Arab Emirates

  • Longevity, Excess Mortality
  • France (including Monaco)

  • Germany

  • Netherlands

  • United Kingdom

Asia-Pacific LifeRisks
  • Australia

  • China

  • Hong Kong

  • India

  • Indonesia

  • Japan

  • Malaysia

  • New Zealand

  • Philippines

  • Singapore

  • South Korea

  • Taiwan

  • Thailand

  • Vietnam

Latin America LifeRisks
  • Argentina

  • Bolivia

  • Brazil

  • Chile

  • Venezuela

North America
Latin America
Europe
Asia-Pacific
North America LifeRisks
  • Infectious Disease
  • Canada

  • Mexico

  • United States

  • Longevity, Excess Mortality
  • Canada

  • United States

Europe LifeRisks
  • Infectious Disease - Africa
  • South Africa

  • Infectious Disease - Europe
  • Austria

  • Belarus

  • Belgium

  • Bulgaria

  • Croatia

  • Czech Republic

  • Denmark

  • Estonia

  • Finland

  • France (including Monaco)

  • Germany

  • Greece

  • Hungary

  • Iceland

  • Ireland

  • Italy

  • Latvia

  • Lithuania

  • Luxembourg

  • Netherlands

  • Norway

  • Poland

  • Portugal (including Madeira Islands)

  • Russia

  • Slovakia

  • Slovenia

  • Spain (including Canary Islands)

  • Sweden

  • Switzerland

  • Turkey

  • Ukraine

  • United Kingdom

  • Infectious Disease - Middle East
  • Bahrain

  • Israel

  • Qatar

  • United Arab Emirates

  • Longevity, Excess Mortality
  • France (including Monaco)

  • Germany

  • Netherlands

  • United Kingdom

Asia-Pacific LifeRisks
  • Australia

  • China

  • Hong Kong

  • India

  • Indonesia

  • Japan

  • Malaysia

  • New Zealand

  • Philippines

  • Singapore

  • South Korea

  • Taiwan

  • Thailand

  • Vietnam

Latin America LifeRisks
  • Argentina

  • Bolivia

  • Brazil

  • Chile

  • Venezuela

Related risks

infectious diseases model
Infectious Disease Model (IDM)

Moody's RMS pioneered the probabilistic quantification of infectious disease risk with the release of IDM in 2006. The stochastic event set covers influenza and emerging infectious disease pandemics, including coronaviruses. 

Earthquakes
Earthquake

Get the most informed view of earthquake risk possible with comprehensive coverage of seismically active regions across five continents.

Terrorism
Terrorism

Make better risk-based decisions with loss metrics for property and workers’ compensation lines using industry-leading terrorism models.

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Take advantage of Moody's expertise to help balance risk

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