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Message from New Chairperson

Anna R. Hart, MS, SRM

Those individuals involved in the assessment of risk within the insurance industry should strive for the goal of providing affordable insurance to as many applicants as possible. This committee consisting of actuaries, medical directors and underwriters combine many years of experience to the task of evaluating and analyzing the profiles of nonstandard risks. The purpose of this is to examine actual mortality experience on specific impairments and produce meaningful and credible research which can be utilized confidently by companies.



The Mortality and Morbidity Liaison Committee (MMLC), consists of members representing the Society of Actuaries (SOA), the American Academy of Insurance Medicine (AAIM), and the Association of Home Office Underwriters (AHOU). Members from each of the respective professional organizations are involved in life insurance risk assessment. The MMLC's purpose is to produce experience studies that support the risk selection of those involved in pricing and underwriting individual life and disability products in the United States and Canada.


The Mission

The mission of the MMLC is to promote and facilitate the preparation and dissemination of mortality and morbidity information on medical impairments; other medical form of insurance and non-insurance sources. This can be accomplished through the interdisciplinary cooperation of medical directors, actuaries, and underwriters, who assist to preserve the use and integrity of the risk classification process. The risk classification or methodology is a process that the industry uses to determined mortality and morbidity in experience studies.

  • To promote the compilation and processing of intercompany mortality and morbidity studies.
  • To represent the interests of the three parent organizations and the industry.
  • To judiciously utilize the resources of the mortality surcharge on the MIB assessment for the production and publication of mortality and morbidity studies.
  • To focus on studying impairments that are significant to the risk assessment process.


Published Studies

 Intercompany Studies: A Valuable but Underutilized Resource
Clifton P. Titcomb, Jr. MD
 Mortality Experience in the Elderly in the Impairment Study Capture System
Thomas Ashley, MD, FACP; Clifton P. Titcomb, Jr, MD; Anna Hart, MS; Richard Bergstrom, FSA, MAAA