Compensation Glossary

Ultimate Mortality Table

A table of data that excludes the first 5 to 10 years of experience of those who have purchased life insurance. A Mortality Table shows the number of deaths per 1000 within a grouping of people. Experience has shown that people have a lower mortality rate in the first years after they purchase insurance, and this can skew the data. By excluding this information the Ultimate Mortality Table is believed to give a more accurate portrayal of actual mortality rates.