Mortality and Morbidity Trend Evaluator

Evaluates a book of business or population experience against standard mortality and morbidity tables, computing actual-to-expected (A/E) ratios by cohort, testing statistical credibility, flagging significant deviations, and recommending specific assumption updates with rationale. Use when conducting annual assumption reviews, repricing a product, validating reserve bases, or analyzing emerging mortality or morbidity trends against SOA VBT or industry tables.