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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. 

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

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

Spotlight

Related Risks

infectious diseases model
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. 

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.

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

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