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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.


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.


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


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

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Laboratory Research

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…


Making sense of a changing…

coronavirus blogs

Coronavirus Blog Series

Review the latest blogs from pandemic risk and medical…

Coronavirus Report 2020

COVID-19 Assessment Report

RMS looks at the spread and overall mortality using…

Covid-19 Coronavirus Webinar

The COVID-19 Coronavirus: What…

Since it first appeared December 2019, the COVID-19…


Reimagining the 1918 Pandemic

Ask any child, a world without Walt Disney would be…


Ebola Virus Disease: 2018-2019…

Civil War MSF map

Civil War Drives the Spread of…

The worst outbreak of Ebola in the DRC (Democratic…

Kings Fund table

NHS Funding and the Hope of…

On March 13, 2019, the U.K. Chancellor of the…


The Insurance Implications of…

The economic impact of COVID-19 (coronavirus) is…

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