Building Experience Mortality Tables – Practical Aspects

Introduction & Programme

In life and protection insurance, accurately assessing mortality is a cornerstone of pricing, reserving, and risk management. Standard mortality tables provide a useful benchmark but often fail to reflect the specific characteristics of an insurer’s portfolio. As a result, insurers increasingly rely on experience-based mortality tables to better capture their own risk profile.

However, building such tables involves significant challenges, including data quality, statistical credibility, segmentation choices, smoothing techniques, and methodological assumptions.
This web session provides a practical and structured approach to constructing experience-based mortality tables, combining actuarial theory with real-world insights applicable across different markets.

Preliminary Programme
Friday, 11 December 2026
09:00-10:30 

• Context and objectives of experience-based mortality tables
• Key challenges and use cases (pricing, reserving, risk management)
• Risk drivers and segmentation (age, underwriting, portfolio characteristics)
• Data preparation and feasibility analysis

10:15-10:30 Break
10:30-12:15 

• Estimation of mortality rates (crude rates, statistical approaches)
• Introduction to survival analysis (e.g. Kaplan-Meier)
• Smoothing and modelling techniques
• From experience to operational tables (adjustments, validation, implementation)
• Practical challenges and best practices

All the above times are given in CET (Central European Time).

Learning Objectives & Approach

The session alternates between methodological concepts and practical examples to ensure a comprehensive and operational understanding.

By the end of the session, participants will be able to:

• Understand the key principles of experience-based mortality tables
• Structure and analyse relevant datasets
• Estimate and interpret mortality rates
• Apply smoothing and modelling techniques
• Identify practical challenges and limitations in real-world implementations

The session is interactive and encourages discussion with participants.

Participants

This training course is designed for:

• Actuaries and actuarial analysts in life or protection insurance
• Risk managers and professionals involved in pricing or reserving
• Professionals interested in biometric modelling and experience analysis

A basic understanding of actuarial concepts is recommended.

Technical Requirements
Please check with your IT department if your firewall and computer settings support web session participation (the programme Zoom will be used for this online training). Please also make sure to join the web session with a stable internet connection.

Lecturers

Aurélie Treilhou
She is an Associate Partner in Actuarial and Quantitative Services at Sia, with over 20 years of experience in life, health, and non-life insurance. She is a fully qualified actuary and a certified member of the French Institute of Actuaries. She has strong expertise in protection and health insurance, with a particular focus on experience analysis and biometric modelling. Aurélie is accredited to certify experience-based mortality tables as well as disability and incapacity assumptions in France. She has led and contributed to the development of numerous experience tables, including mortality tables for savings and funeral portfolios, as well as disability maintenance tables. She has also performed independent certifications of mortality and disability tables for several insurers. Aurélie is an active member of the Health & Protection Committee of the French Institut of Actuaries, where she leads working groups on protection topics. She is also a regular trainer and delivers sessions on the practical construction of experience tables.

Language & CPD Credits

The language of the web session will be English.

CPD Credits
For this web session, the following CPD credits are available under the CPD scheme of the relevant national actuarial association:

• Austria: 3 points
• Belgium: 3 points
• Bulgaria: 4.5 points
• Croatia: individual accreditation
• Czechia: 3 hours
• Denmark: 3 credits
• Estonia: 3 hours
• Finland: 3 points
• France: 18 points
• Germany: 3 hours
• Greece: 4 points
• Hungary: 3 hours
• Iceland: 3 credits
• Ireland: 3 hours
• Italy: GdLA individual accreditation
• Latvia: 3 hours
• Lithuania: 3 hours
• Netherlands: approx. 3 points (individual accreditation)
• Norway: 3 points
• Poland: 3 hours
• Portugal: 3 hours
• Serbia: 3 hours
• Slovakia: individual accreditation
• Slovenia: individual accreditation
• Spain: CAC: 3 hours, IAE: 3 hours
• Switzerland: individual accreditation
• USA: SOA (Section B): up to 3.6 hours

No responsibility is taken for the accuracy of this information.

Fees & Registration Details

Early Bird Registration Fee (until 30 October 2026):

• For private customers in the EU: €240.00 + VAT of the billing country (example Germany: €285.60 incl. 19% VAT)
• For private customers outside the EU: €285.60 (incl. 19% VAT)
• For businesses within the EU (excl. Germany, with valid VAT ID): €240.00 (net, reverse charge applies)
• For businesses in Germany: €285.60 (incl. 19% VAT)

Regular Registration Fee (from 31 October 2026):

• For private customers in the EU: €315.00 + VAT of the billing country (example Germany: €374.85 incl. 19% VAT)
• For private customers outside the EU: €374.85 (incl. 19% VAT)
• For businesses within the EU (excl. Germany, with valid VAT ID): €315.00 (net, reverse charge applies)
• For businesses in Germany: €374.85 (incl. 19% VAT)

Important VAT Information:

• For private customers with a billing address in an EU country: VAT will be charged at the applicable rate in the country of the billing address. The final amount, including VAT, will be calculated upon invoicing.
• For customers with a non-EU (third country) billing address: Only a non-company billing address is accepted for VAT compliance reasons. 19% VAT applies to all non-EU private customers.
• For businesses within the EU (excluding Germany), Iceland, Liechtenstein, Norway, Switzerland, and the UK with a valid VAT ID: The reverse charge mechanism applies (net price; VAT will not be charged). Please ensure your valid VAT ID is entered correctly during registration.
• For all customers with a billing address in Germany: 19% VAT applies.

Please submit your registration using our online form below. Closer to the event, you will receive further login details to join the web session.

Your registration is binding. Cancellation is only possible up to 2 weeks before the first day of the event. If you cancel later, the full participation fee is due. You may appoint someone to take your place but must notify us in advance. EAA has the right to cancel the event if the minimum number of participants is not reached.

We will send you an invoice via email. Please allow a few days for handling. Please always give your invoice number when you effect payment. All bank charges are to be borne by the participant.

Registration is open until two working days before the web session. If registration has already been closed for this web session, please call us or send an email to contact@actuarial-academy.com in order to find out whether a late registration is still possible.