《中国人身保险业经验生命表（2025）》：编表数据首次实现行业全覆盖

Core Insights - The China Actuarial Association has released the "China Life Insurance Industry Experience Life Table (2025)", marking significant advancements in data collection and analysis for the life insurance sector [1][2][3] Group 1: Highlights of the Life Table Compilation - The life table compilation achieved full industry coverage for the first time, incorporating data from all life insurance companies for policies with a term of one year or more, including death or survival benefits [1] - Data processing efficiency improved, with a 40% reduction in data collection, cleaning, verification, and correction time compared to the previous life table, and the use of AI and machine learning reduced manual claims entry to 5% of the total [1] - The compilation addressed missing death status in policies by employing various methods, ensuring a reasonable death rate and maximizing the use of collected data [1] Group 2: Methodological Innovations - For the first time, trend factors were set based on the insurance industry's historical mortality data rather than population data, providing valuable insights for understanding mortality trends in the insurance sector [2] - A new two-step method for high-age extrapolation was introduced, ensuring that mortality rates for older age groups reflect natural life patterns while considering risk characteristics [2] - A multi-dimensional analysis of mortality rates was conducted, examining factors such as age, gender, distribution channels, coverage amount, and geographic location, allowing for a comprehensive comparison with previous life tables and population mortality rates [2] Group 3: Future Initiatives - The China Actuarial Association plans to conduct promotional training and showcase the project results to the industry and the public, along with the publication of reports to assist in addressing population aging [3]