LIMRA’s Experience Studies Program
Benchmark your key product risks and your company’s product experience against the industry as a whole or against specific sub-segments of the industry.

Benchmark your key product risks and your company’s product experience against the industry as a whole or against specific sub-segments of the industry.
LIMRA’s experience studies allow you to understand industry product profitability experience by key financial risk factors. This data allows companies to compare their own product performance against the industry or a segment of the industry. It also provides valuable inputs to the annual product assumption setting process as companies examine their recent results and set their internal expectations regarding the future. Product experience includes: mortality, claims, lapse/surrender, benefit utilization, benefit election, and withdrawal activity for the following product lines.
Variable Annuity Guaranteed Living Benefit Election Tracking
Learn more about benefit utilization - as well as the connection with behaviors such as withdrawals and persistency - to assist with assessing and managing the long-term risks of these VA GLBs.
This study examines the surrender activity of deferred annuities by selected product, customer, and distribution characteristics.
Learn about Canadian segregated funds product policyholder behavior and mortality experience, key risk factors that materially impact the cost of guaranteed death, maturity, and withdrawal benefits provided by segregated funds products.
Product line lapse statistics for the U.S. individual disability income insurance industry.
Long-lasting benefit? Find out about U.S. industry long-term care insurance product-persistency experience benchmarking, product development, and planning.
Learn about the final expense market including sales volumes, inforce premium, new business processing, policy statistics, and product performance.
Marianne Purushotham is responsible for LIMRA and LOMA’s data analysis and statistical modeling functions including applications of predictive analytics to life and health insurance industry problems. She also manages LIMRA and LOMA’s strategic research partnership with the Society of Actuaries which includes studies of industry experience related to various insurance product lines.
Prior to her current position, Purushotham worked in both insurance company and actuarial consulting roles where her areas of specialization included pricing, valuation, financial reporting, assumption review, and experience analysis for life, annuity and health products.
Purushotham holds a Bachelor of Arts in Mathematics from Middlebury College and a Master of Science in Applied Mathematics from Virginia Polytechnic Institute.
Work Phone: (860) 298-3835
In the fall of 2021, LIMRA and the Society of Actuaries (SOA) Research Institute began a new three-year partnership to collect and process data to be used in industry-wide experience studies. Initial studies will focus on U.S. life industry products; future projects may cover life, health and retirement sectors. You can read more in our news release.