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RMS LifeRisksTM Platform

RMS LifeRisksTM is a mortality scenario generator to manage risks from longevity and excess mortality internationally.

The platform makes available the suite of RMS mortality risk models including the RMS longevity risk model and excess mortality risk models of pandemics, terrorism, and natural catastrophe.

RMS LifeRisks has been built to provide a powerful analytical resource, using cloud computing to provide unlimited processing power to meet the client demand.

Learn more about the latest upgrade.

Liferisk platform

  • Country Coverage

    Covers the life insurance and pensions markets in the following territories

    Additional country models available upon request

  • USA US Flag
  • Canada Canada Flag
  • United
    Kingom     UK Flag
  • France France Flag
  • Germany Germany Flag
  • Netherlands Netherlands Flag
  • Australia Australia Flag
  • Japan Japan Flag
  • China China Flag
  • Taiwan Taiwan Flag
  • Excess Mortality
    Risk Model
  • Longevity
    Risk Model

Insights into your Portfolio

Input your exposure data. Review, analyze and compare the structure of your books of business. Ensure your data is golden.

Multiple different formats of data supported.

Utilize your own risk groups

Data tracking and clean up

Manage multiple portfolios

  • Life insureds
  • Annuitants
  • Pension members
Insights into your Portfolio

Harness Power for Running Analysis

Create a job queue of your analyses. Use the power of the cloud to process at lightning speeds.

Harness Power for Running Analysis

Model your Risk. Insights from Leading Scientific Research. In Real Time.

Obtain full probabilistic analysis from RMS models. Derive loss exceedance probabilities for individual portfolios. Combine results of different peril analyses on multiple portfolios across different countries.

Excess Mortality Risk Model Results

Excess Mortality Risk Model

Longevity Risk Model Results

Longevity Risk Model Results

Risk Diagnostics:
The Power of the Scenarios

Excess Mortality Scenarios

What scenarios represent my 1-in-200 excess mortality loss?

  • Simulation image 1

    Group life extreme loss resulting from a terrorist attack using a 2 ton vehicle bomb at an iconic building in the city where I have my greatest concentration of insureds

  • Simulation image 2

    An influenza pandemic with high infectiousness (R 0 of 1.75) and severe virulence (2% case fatality rate); with a residual immunity age profile and better-than-average government response

Drill down into your model results. Understand the drivers of risk in your exposure. Identify subsets of your portfolio and books of business that are contributing most to the risk you face.

Pick scenarios that represent the key thresholds of probability of loss. Derive narratives to communicate risk concepts. Use deterministic scenarios to explore specific issues.

Longevity Scenarios

What would be the impact of smoking cessation on my annuity liabilities?

Smoking Shock

Scenario provides the variation of mortality improvement from the expected if smoking rates collapse rapidly, instead of declining at their current rate

Obesity Shock

The obesity epidemic stalls and rates of increase are suddenly slowed, causing an additional boost to mortality improvement

CVD Shock

Explore the impact on liabilities from a major new breakthrough that rapidly reduces CVD mortality

Cancer Breakthrough

Mortality improvements resulting from an acceleration of reducing premature mortality from Cancer, arising from more aggressive screening of patients at risk

Export Outputs into your Business Processes

Create reports and extract risk metrics.

Export scenario mortality improvement tables for input into your standard financial models.

Archive analysis for month-on-month tracking of risk positions.

Consultancy Services

Whether an insurer, reinsurer, intermediary, or other consultant, RMS risk analysis can be used to approach new solutions, explore complex issues, and apply customized analytics. The global LifeRisks consultancy team has the expertise to help you effectively manage your mortality risks, meet regulatory challenges, and capitalize on business opportunities.

Capital Management
  • Solvency II capital modeling for longevity, mortality, catastrophe and mortality-longevity hedge
  • Internal model calibration, internalization of models, and technical documentation
  • Economic capital modeling for mortality and longevity risks
  • Insurance product design
Risk Transfer
  • Analyzing risk underlying ceded or assumed reinsurance
  • Risk analysis and structuring of excess mortality and longevity securitizations
  • Quantification of hedge benefit associated with mortality- longevity risk swaps
  • Evaluation of pension de-risking options