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LifeRisks Platform

Moody’s 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.

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 RMS for Pandemic Risk

Moody’s RMS 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 RMS 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 RMS 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

More
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

More
Asia-Pacific LifeRisks

  • Australia

  • China

  • Hong Kong

  • India

  • Indonesia

  • Japan

  • Malaysia

  • New Zealand

  • Philippines

  • Singapore

  • South Korea

  • Taiwan

  • Thailand

  • Vietnam

More
Latin America LifeRisks

  • Argentina

  • Bolivia

  • Brazil

  • Chile

  • Venezuela

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

  • Canada

  • Mexico

  • United States

  • Longevity, Excess Mortality

  • Canada

  • United States

More
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

More
Asia-Pacific LifeRisks

  • Australia

  • China

  • Hong Kong

  • India

  • Indonesia

  • Japan

  • Malaysia

  • New Zealand

  • Philippines

  • Singapore

  • South Korea

  • Taiwan

  • Thailand

  • Vietnam

More
Latin America LifeRisks

  • Argentina

  • Bolivia

  • Brazil

  • Chile

  • Venezuela

More

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. 

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Earthquakes
Earthquake

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

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Terrorism
Terrorism

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

Learn More

Resources

Back To Start
coronavirus
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COVID-19

Stay informed about the COVID-19 pandemic and its implications for the risk management industry.

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Mosquito net
Blog
World Malaria Day: First National Approval of Game-Changin...

During the roll-out of the COVID-19 vaccines, more developed countries were able to negotiate priority access, while developing countries, notably those in sub-Saharan Africa, had to wait for many months. This delay was a matter of considerable regret for the philanthropic Jenner Institute in Oxford, England, where the Oxford-AstraZeneca COVID-19 vaccine was developed. The Jenner Institute is named after Edward Jenner, who created the smallpox vaccine – first demonstrated in 1796, which was the very first va...

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Women walking in a park
Blog
Living To 100: Society of Actuaries Symposium 2023

The triennial Society of Actuaries ‘Living to 100 Symposium’ was held in Orlando, Florida, (January 16-18, 2023), a unique conference that brings together different communities with a keen interest in longevity and a common concern for aging populations, a key issue for actuaries, demographers, as well as medical professionals.  The symposium has been important to us; the Moody's RMS Infectious Diseases Model was developed in 2006 in response to a client suggestion, and RMS began to explore the prospect...

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Laboratory research
Blog
FDA Grants Accelerated Approval For Alzheimer’s Disease Tr...

Launched in 2009, the rationale for the RMS® Longevity Risk Model was to bring state-of-the-art developments in the science of aging to the life insurance industry. The traditional actuarial approach has been retrospective, based on a statistical analysis of past mortality. Understanding the medical drivers of mortality is crucial for data analysis. The 1918 influenza pandemic caused a significant dip in mortality improvement, as has COVID-19. And as shown in the figure of U.S. deaths due to dementia in 2020...

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Flu vaccine
Blog
New Milestone on The Path To A Universal Flu Vaccine

The West African Ebola crisis which peaked in 2014 was a near-miss pandemic. Given the slowness of international financial assistance with disease control, it might have been much worse. In August 2015, I was a panelist at a workshop on pandemic financing at the National Academy of Medicine (NAM) in Washington D.C. At that time, formal trials of an Ebola vaccine were about to begin.  Tragically, these came too late for the 11,000 victims of this virus; finance is a key factor in timely vaccine devel...

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Commuter wearing COVID mask
Blog
Looking at Long COVID

A sizeable proportion of people who recover from COVID-19 may then go on to experience some lingering symptoms. The most common of these are shortness of breath, cognitive dysfunction, and fatigue, all of which may last for months. But there are also numerous other symptoms including anxiety, depression, muscle aches, and loss of smell and taste. These symptoms are aggregated as post-acute sequelae of SARS-CoV-2 infection (PASC) – or more commonly known as long COVID. As the months elapse after a COVID-1...

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