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.
Quantify Mortality Shocks
Including the Moody's RMS Infectious Diseases Model to help understand pandemic influenza and emerging infectious diseases, the Moody's RMS Excess Mortality Model suite provides causal analysis for mortality shock across perils, geographies, and lines of business.
Model Future Mortality
The Moody's 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.
Spotlight

Related Risks



Regional and Country LifeRisks Models
Regional Models
Click a region on the interactive map to see coverage.
North America LifeRisks
- Infectious Disease
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Canada
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Mexico
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United States
- Longevity, Excess Mortality
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Canada
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United States
Europe LifeRisks
- Infectious Disease - Africa
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South Africa
- Infectious Disease - Europe
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Austria
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Belarus
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Belgium
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Bulgaria
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Croatia
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Czech Republic
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Denmark
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Estonia
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Finland
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France (including Monaco)
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Germany
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Greece
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Hungary
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Iceland
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Ireland
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Italy
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Latvia
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Lithuania
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Luxembourg
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Netherlands
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Norway
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Poland
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Portugal (including Madeira Islands)
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Russia
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Slovakia
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Slovenia
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Spain (including Canary Islands)
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Sweden
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Switzerland
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Turkey
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Ukraine
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United Kingdom
- Infectious Disease - Middle East
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Bahrain
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Israel
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Qatar
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United Arab Emirates
- Longevity, Excess Mortality
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France (including Monaco)
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Germany
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Netherlands
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United Kingdom
Asia-Pacific LifeRisks
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Australia
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China
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Hong Kong
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India
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Indonesia
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Japan
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Malaysia
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New Zealand
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Philippines
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Singapore
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South Korea
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Taiwan
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Thailand
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Vietnam
Latin America LifeRisks
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Argentina
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Bolivia
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Brazil
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Chile
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Venezuela
North America
Latin America
Europe
Asia-Pacific
North America LifeRisks
- Infectious Disease
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Canada
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Mexico
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United States
- Longevity, Excess Mortality
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Canada
-
United States
Europe LifeRisks
- Infectious Disease - Africa
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South Africa
- Infectious Disease - Europe
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Austria
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Belarus
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Belgium
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Bulgaria
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Croatia
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Czech Republic
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Denmark
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Estonia
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Finland
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France (including Monaco)
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Germany
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Greece
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Hungary
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Iceland
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Ireland
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Italy
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Latvia
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Lithuania
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Luxembourg
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Netherlands
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Norway
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Poland
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Portugal (including Madeira Islands)
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Russia
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Slovakia
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Slovenia
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Spain (including Canary Islands)
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Sweden
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Switzerland
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Turkey
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Ukraine
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United Kingdom
- Infectious Disease - Middle East
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Bahrain
-
Israel
-
Qatar
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United Arab Emirates
- Longevity, Excess Mortality
-
France (including Monaco)
-
Germany
-
Netherlands
-
United Kingdom
Asia-Pacific LifeRisks
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Australia
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China
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Hong Kong
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India
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Indonesia
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Japan
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Malaysia
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New Zealand
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Philippines
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Singapore
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South Korea
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Taiwan
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Thailand
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Vietnam
Latin America LifeRisks
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Argentina
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Bolivia
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Brazil
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Chile
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Venezuela
Resources

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...

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...

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...

Learning From the 2022 Monkeypox Outbreak
Every unusual hazardous event offers lessons for enhancing risk assessment. Monkeypox has been on the RMS® infectious disease threat horizon since 2002, in consideration of terrorist threats similar to smallpox. The eradication of smallpox in 1980, as coordinated by the World Health Organization (WHO) between 1967 and 1977, led to the cessation of routine smallpox vaccination in most countries during the 1970s. Over 70 percent of the world’s population is estimated to no longer be protected against sma...

LifeRisks Solutions
RMS® lives at the intersection of modeling science, technology, and the insurance industry. We are recognized authorities in stochastic risk modeling, mathematical biology, and epidemiology. For over 10 years RMS LifeRisks® models have provided leading decision-support risk analytics to the life insurance industry.

Coronavirus Blog Series
Review the latest COVID-19 blogs from pandemic risk and medical experts at RMS

COVID-19 Assessment Report
RMS looks at the spread and overall mortality using the RMS Infectious Disease Model

Reimagining the 1918 Pandemic
Ask any child, a world without Walt Disney would be unimaginable. Born in December 1901, Walt was sixteen years old when he caught the 1918 pandemic influenza — and survived. A century has passed since the great 1918 pandemic, in which tens of millions died, the deadliest in history. When an anniversary of a major event comes round, we can ask what if the event were to occur today. Catastrophe modelers can also reimagine the event being different from what it actually was. This counterfactual perspective lead...

Ebola Virus Disease: 2018-2019 DRC
Ebola Virus Disease continues to be a public health threat to tropical central and Western African countries.

Civil War Drives the Spread of Ebola
The worst outbreak of Ebola in the DRC (Democratic Republic of Congo), Africa’s second largest country by area, with a population of over 77 million, has already claimed several hundred lives, and there have been more than three hundred and fifty cases. Many of the Ebola cases have been in Beni (pop. ~230,000), a major city in North Kivu province, close to the Ugandan border. DRC is a failing state, where the government regime is weak, and cannot prevent militias from pillaging DRC’s abundant mineral resource...

NHS Funding and the Hope of Living Longer
On March 13, 2019, the U.K. Chancellor of the Exchequer, Philip Hammond, warned in the House of Commons during his Spring Statement, that a “… cloud of uncertainty was hanging over the U.K. economy.” Reminiscing of a sunnier time for the U.K. economy, in the Budget speech in March 2000, Gordon Brown announced a substantial increase in government spending on healthcare. The Chancellor’s ambitious plan was that health spending would rise by more than a third in real terms over a five-year period, by...

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