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\ˈvaɪtə\ \kɜrvz\

VitaCurves is a rating factor model updated annually by Club Vita in the UK, Canada and the US.

The VitaCurves model consists of comprehensive set of mortality tables constructed using generalized linear models applied to Club Vita data – the latest UK VitaCurves includes a set of 1692 mortality tables. VitaCurves enable users to estimate the current life expectancy of each individual in a pension plan based on their sex, status (first life or second life), lifestyle (via post-code, postal code or ZIP code, depending on location), affluence, retirement health and occupation.

There are a number of benefits to setting individual life expectancies. For example, users can easily calculate the liabilities associated with subsets of participants, avoiding inadvertent cross-subsidies between sponsors and ensuring accurate liability splits in the event of a transaction. In addition, using VitaCurves will ensure any demographic drift within a population is captured.

The first edition of the UK VitaCurves, CV09, was published in 2009 and was based on data covering the period 2005 to 2007. Every year since 2009, a new edition of the UK VitaCurves has been published using the latest available data. The first edition of the Canadian VitaCurves, CV16, was published in 2016 based on data covering 2012 to 2014.

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