LifeRisks
Bring an integrated view of mortality shock and longevity trend risks underpinned by detailed medical research into your life, annuity, and pensions portfolios.
The Next Pandemic: Risk Drivers for Life, Health, and Business Interruption Insurance
Expand your understanding of pandemic risk modeling and its application to your business.
LifeRisks Platform
RMS 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.
Quantify Mortality Shocks
Including the RMS Infectious Diseases Model to help understand pandemic influenza and emerging infectious diseases, the RMS Excess Mortality Model suite provides causal analysis for mortality shock across perils, geographies, and lines of business.
Model Future Mortality
The RMS Longevity Risk Model projects future mortality improvements by blending medical science and best-in-class statistical and actuarial techniques.
Hedging Mortality and Longevity Risk
Insurers managing risk capital requirements for both life insurance exposure and annuity liabilities can quantify the hedge across mortality and longevity risk.
Science, Technology, Insurance
As an authoritative resource in stochastic risk modeling, mathematical biology, and epidemiology, LifeRisks combines modeling science, technology, and insurance expertise.
Spotlight
Technology and the Business of Risk
"We can be much better prepared if we have identified and modeled the full range of potential catastrophes, which is why our work includes ‘looking around corners,’ thought leadership, scenario planning, and anticipating the events which have not been part of our recent experience and measuring their potential impacts and mitigations."
COVID-19 Resources
Keep informed about the COVID-19 pandemic and its implications for the risk management industry. Visit the dedicated COVID-19 resources hub page, with a range of resources from webinars and reports to explore.
New Pandemic Outlooks to Help Assess Potential COVID-19 Winter Wave
In September RMS launched new pandemic outlooks that reflect assumptions about vaccines to help businesses prepare for a potential second wave. Watch the interview with Maria Lomelo Director of RMS LifeRisk products and The ReInsurer to learn more.
RMS COVID-19 Pandemic Projections
Access 3 to 6 month projections to support longer term decision-making.
Swiss Re Chooses RMS for Pandemic Risk
RMS was selected by Swiss Re for the 2020 reissuance of its excess mortality bond (‘Matterhorn’). 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.
Related Risks
Regional and Country LifeRisks Models
Regional Models
Click a region on the interactive map to see coverage.
North America LifeRisks
- Infectious Disease
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Canada
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Mexico
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United States
- Longevity, Excess Mortality
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Canada
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United States
Europe LifeRisks
- Infectious Disease - Africa
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South Africa
- Infectious Disease - Europe
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Austria
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Belarus
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Belgium
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Bulgaria
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Croatia
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Czech Republic
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Denmark
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Estonia
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Finland
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France (including Monaco)
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Germany
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Greece
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Hungary
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Iceland
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Ireland
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Italy
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Latvia
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Lithuania
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Luxembourg
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Netherlands
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Norway
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Poland
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Portugal (including Madeira Islands)
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Russia
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Slovakia
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Slovenia
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Spain (including Canary Islands)
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Sweden
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Switzerland
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Turkey
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Ukraine
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United Kingdom
- Infectious Disease - Middle East
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Bahrain
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Israel
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Qatar
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United Arab Emirates
- Longevity, Excess Mortality
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France (including Monaco)
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Germany
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Netherlands
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United Kingdom
Asia-Pacific LifeRisks
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Australia
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China
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Hong Kong
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India
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Indonesia
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Japan
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Malaysia
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New Zealand
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Philippines
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Singapore
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South Korea
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Taiwan
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Thailand
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Vietnam
Latin America LifeRisks
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Argentina
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Bolivia
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Brazil
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Chile
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Venezuela
North America
Latin America
Europe
Asia-Pacific
North America LifeRisks
- Infectious Disease
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Canada
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Mexico
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United States
- Longevity, Excess Mortality
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Canada
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United States
Europe LifeRisks
- Infectious Disease - Africa
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South Africa
- Infectious Disease - Europe
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Austria
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Belarus
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Belgium
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Bulgaria
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Croatia
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Czech Republic
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Denmark
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Estonia
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Finland
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France (including Monaco)
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Germany
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Greece
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Hungary
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Iceland
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Ireland
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Italy
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Latvia
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Lithuania
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Luxembourg
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Netherlands
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Norway
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Poland
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Portugal (including Madeira Islands)
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Russia
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Slovakia
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Slovenia
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Spain (including Canary Islands)
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Sweden
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Switzerland
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Turkey
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Ukraine
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United Kingdom
- Infectious Disease - Middle East
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Bahrain
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Israel
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Qatar
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United Arab Emirates
- Longevity, Excess Mortality
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France (including Monaco)
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Germany
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Netherlands
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United Kingdom
Asia-Pacific LifeRisks
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Australia
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China
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Hong Kong
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India
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Indonesia
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Japan
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Malaysia
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New Zealand
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Philippines
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Singapore
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South Korea
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Taiwan
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Thailand
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Vietnam
Latin America LifeRisks
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Argentina
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Bolivia
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Brazil
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Chile
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Venezuela
Resources
Life Risks Solutions
RMS® lives at the intersection of modeling science, technology, and the insurance industry. We are recognized authorities in stochastic risk modeling, mathematical biology, and epidemiology. For over 10 years RMS LifeRisks® models have provided leading decision-support risk analytics to the life insurance industry.
Coronavirus Blog Series
Review the latest COVID-19 blogs from pandemic risk and medical experts at RMS
COVID-19 Assessment Report
RMS looks at the spread and overall mortality using the RMS Infectious Disease Model
The COVID-19 Coronavirus: What You Need to Know
Since it first appeared December 2019, the COVID-19 has spread to over 200 countries. The outbreak is having a major impact on the economy and the global health environment. Costs continue to rise, and there are many questions regarding its impact on the global (re)insurance markets. Topics discussed will include: Status on the current situation Modeling the spread of COVID-19: What have we learned? Implications for Insurance Q&A with a panel…
Reimagining the 1918 Pandemic
Ask any child, a world without Walt Disney would be unimaginable. Born in December 1901, Walt was sixteen years old when he caught the 1918 pandemic influenza — and survived. A century has passed since the great 1918 pandemic, in which tens of millions died, the deadliest in history. When an anniversary of a major event comes round, we can ask what if the event were to occur today. Catastrophe modelers can also reimagine the event being different from what it…
Ebola Virus Disease: 2018-2019 DRC
Ebola Virus Disease continues to be a public health threat to tropical central and Western African countries.
Civil War Drives the Spread of Ebola
The worst outbreak of Ebola in the DRC (Democratic Republic of Congo), Africa’s second largest country by area, with a population of over 77 million, has already claimed several hundred lives, and there have been more than three hundred and fifty cases. Many of the Ebola cases have been in Beni (pop. ~230,000), a major city in North Kivu province, close to the Ugandan border. DRC is a failing state, where the government regime is weak, and cannot prevent…
NHS Funding and the Hope of Living Longer
On March 13, 2019, the U.K. Chancellor of the Exchequer, Philip Hammond, warned in the House of Commons during his Spring Statement, that a “… cloud of uncertainty was hanging over the U.K. economy.” Reminiscing of a sunnier time for the U.K. economy, in the Budget speech in March 2000, Gordon Brown announced a substantial increase in government spending on healthcare. The Chancellor’s ambitious plan was that health spending would rise by more…
Take Advantage of RMS Expertise to Help Balance Risk
