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Implications for insurers Insurers should consider the impact of AOMs across their business: Assess how AOMs may impact protection, morbidity, and longevity experience Review trend assumptions to identify whether changes are needed Establish processes to keep on top of this fast-moving space Consider new lapse risks Assess how AOMs might affect underwriting and claims Insured impacts and reviewing trend assumptions Insurers should consider adjustments to their specific mortality and morbidity improvement assumptions to reflect AOMs

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