LifeRisks
Bring an integrated view of mortality shock and longevity trend risks underpinned by detailed medical research into your life, annuity, and pensions portfolios.
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
RMS COVID-19 Pandemic Projections
Access 3 to 6 month projections to support longer term decision-making.
COVID-19
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.
Infectious Disease Model (IDM)
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. The IDM incorporates the latest scientific research related to human mortality. Model output supports pandemic planning, portfolio management, risk transfer and capital adequacy stress-testing.
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
RMS risk models for perils such as earthquake and terrorism, which are potential drivers of excess mortality, help illustrate the wider impact of these perils on your portfolio.
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Consulting Services
Our Consulting team has the expertise to help you effectively manage your mortality risks, meet regulatory challenges, and capitalize on business opportunities. They can deliver a complete understanding of the underlying drivers of risk that provide a road map for actionable results. The RMS team is experienced in working with companies who use our models and are required to defend risk management decisions that arise from applying them.
Risk Transfer to the Capital Markets
RMS has a dedicated team for capital markets transactions, providing support to clients in the application of modeling to insurance-linked securities.
Resources
Protecting Against the Next Pandemic
The provision of insurance protection against pandemic business interruption represents a major societal and insurance industry challenge. The RMS® COVID-19 Pandemic Projections tool shows a second, winter wave of COVID-19 infections threatening regions where strict social distancing measures such as lockdown have been relaxed. How can this challenge be addressed, and how does the industry get closer to understanding the hazard and mitigating the risk? There…
Take Advantage of RMS Expertise to Help Balance Risk
