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Self-administered pension scheme (SAPS) mortality investigation

The CMI investigates the mortality experience of members of self-administered pension schemes
Note: The Committee is currently holding a consultation on the proposed graduations of the “S3” Series mortality tables. Find out more

The investigation began in 2002 following completion of a pilot investigation into the mortality experience of SAPS pensioners, published in CMI Report 20. Initially the investigation was led by a Working Party, which subsequently became an official committee of the CMI in 2006.


Data is submitted for schemes in a prescribed format, described in the Coding Guide, by firms that perform the Scheme Actuary role. The data covers current pensioners and dependants of schemes with more than 500 pensioners. Data for deferred and active members is not collected.

The majority of data submissions cover a period of three years, consistent with many schemes having triennial valuations.


Firms receive results in respect of the individual schemes that they submit, providing figures for the exposure and actual deaths and comparing the experience against that according to specified base mortality tables. Results are presented separately for males and females, by lives and amounts and for different pensioner types.

Aggregate results are also produced annually. Working Paper 104 presents the most recent published analysis covering the period 2009 to 2016, based on data submitted to 30 June 2017.  Additional analyses are also undertaken from time to time, such as analyses of mortality improvements and mortality experience by industry classification.

In November 2015, CMI Working Paper 86 was published, presenting an investigation into the mortality experience by industry classification for SAPS pensioners.

Mortality tables

In October 2008, the CMI published the ‘S1’ Series of mortality tables, the first mortality tables to be based on UK pension scheme data. The ‘S1’ tables along with all the graduations methodology can be found in CMI Working Paper 35. In February 2014, the CMI published the 'S2' Series of mortality tables. The tables and the graduations methodology can be found in CMI Working Paper 71.

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