Category: Excess Mortality and Morbidity
Watch CEO Present on “Excess Mortality: A Peek Under the Iceberg”

Watch a replay of the Insurance Collaboration to Save Lives (ICSL) presentation on “Excess Mortality: A Peek Under the Iceberg” in which our CEO, Steve Cyboran, ASA, MAAA, FCA, CEBS participated. Steve discusses possible causes leading to an increase in mortality and morbidity post COVID-19, how we can use proactive health risk mitigation to respond, and what the returns may look like.
Presenters
- Steve Cyboran, ASA, MAAA, FCA, CEBS, CEO, Consulting Actuary, Humaculture, Inc.
- Josh Stirling, Founder of Insurance Collaboration to Save Lives, Insurtech Advisor, Board Director and Former #1 Ranked Insurance Analyst
- Valerie Chezem, ASA, MAAA, Assistant Actuary, Everence®
- Mary Pat Campbell, FSA, MAAA, Vice President, Insurance Research, Conning
- Teresa Winer, FSA, MAAA, Actuary, Office of Insurance and Fire Safety Commissioner, Georgia
Objective
At the ICSL, dozens of industry executives have been developing a plan to help insurers proactively address the tragedy of on-going 20% increased mortality since 2020. Excess mortality and morbidity is a problem for our industry, and society. The ICSL brings together insurers to work together to solve it. Learn more about the impact we can make in the video. Steve Cyboran presents at 27:31.
Key Takeaways
- Through May of 2023 US mortality continues to be 20% high for ages 15 through 45
- There are underlying health conditions leading to excess mortality
- Insurers and employers can have impact that makes financial sense
- There are innovative ways to improve financial results
Presentation
Watch the presentation:
Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. Our team includes business and human relations leaders, finance experts, actuaries, clinicians, behavioral health experts, pharmacy experts, and legal resources to guide you through the strategy and compliance process. Please contact us: [email protected].
Insurance Collaboration to Save Lives (ICSL): Upcoming Actuarial Presentations

Watch our CEO, Steve Cyboran, present at the following events.
Description: Excess Mortality – A Peek Under the Iceberg
Everyone is attentively watching the current excess mortality and morbidity crisis unfolding. We think it’s just the tip of the iceberg. Join our cross-industry team as we share a proprietary analysis of U.S. and global public health data digging into the underlying problems. Discover the iceberg of health problems underlying the elevated death and disability we see playing out in the bottom line. Can anything be done to slow this train? Risk mitigation strategies for insurers will be explored, with an invitation for participants to exchange ideas within the group. This will be a combination of presentation, panel, and Q&A discussion with multiple presenters including actuaries and other industry experts.
By the end of these sessions, attendees will understand:
- An up-to-date perspective on the current excess mortality and morbidity crisis
- Insight into the myriad of underlying health conditions
- Innovative ideas to improve financial results
Country Relevance: Non-Nation Specific
Experience Level: All levels
Presenters
- Steve Cyboran, ASA, MAAA, FCA, CEBS, CEO, Consulting Actuary, Humaculture, Inc.
- Josh Stirling, Founder of Insurance Collaboration to Save Lives, Insurtech Advisor, Board Director and Former #1 Ranked Insurance Analyst
- Valerie Chezem, ASA, MAAA, Assistant Actuary, Everence®
- Mary Pat Campbell, FSA, MAAA, Vice President, Insurance Research, Conning
- Teresa Winer, FSA, MAAA, Actuary, Office of Insurance and Fire Safety Commissioner, Georgia
August 23 11-12:15 EDT: SOA Life Meeting
- Venue: New Orleans Marriott, 555 Canal St New Orleans, LA 70130-2349
- Conference Page: https://www.soa.org/prof-dev/events/2023-life-meeting/
- Agenda: https://www.soa.org/prof-dev/events/2023-life-meeting/#tab-agenda-selected
September 11 10:30-11:30 EDT: Society of Insurance Research
- Venue: The Westin Cincinnati, Cincinnati, OH
- Conference Page: https://www.sirnet.org/ConferencePage
- Agenda: https://www.sirnet.org/Agenda
September 14 2-3 EDT: SOA Life Meeting Virtual Event
- Location: Online
- Conference Page: https://www.soa.org/prof-dev/events/2023-virtual-life-meeting/#overview-selected
- Agenda: https://www.soa.org/prof-dev/events/2023-virtual-life-meeting/#tab-agenda-selected
October 25 10-11 AM EDT: 2023 SOA ImpACT Conference
- Venue: Indiana Convention Center, 100 S Capitol Ave Indianapolis, IN 46225
- Conference Page: https://www.soa.org/prof-dev/events/2023-annual-meeting-exhibit/
- Agenda: https://www.soa.org/prof-dev/events/2023-annual-meeting-exhibit/#tab-agenda-selected
November 7 12:30-1:30 PM EST: 2023 SOA ImpACT Conference Virtual
- Venue: Online
- Conference Page: https://www.soa.org/prof-dev/events/2023-virtual-impact-conference/
- Agenda: https://www.soa.org/prof-dev/events/2023-virtual-impact-conference/#tab-agenda-selected
Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. Our team includes business and human relations leaders, finance experts, actuaries, clinicians, behavioral health experts, pharmacy experts, and legal resources to guide you through the strategy and compliance process. Please contact us: [email protected].
Watch CEO Present on Insurance Collaboration to Save Lives

Watch a replay of the Insurance Collaboration to Save Lives (ICSL) Executive Briefing, in which our CEO, Steve Cyboran, ASA, MAAA, FCA, CEBS participated. Steve discusses how small investments can yield significant returns. Not only does preventive medical screening in this collaborative need to achieve outcomes, but it also needs to make economic sense. Return on investment can be increased by decreasing screening costs, increasing the effectiveness of screening, and targeting larger policies first.
Presenters
- Josh Stirling, Founder of Insurance Collaboration to Save Lives, Insurtech Advisor, Board Director and Former #1 Ranked Insurance Analyst
- Steve Cyboran, ASA, MAAA, FCA, CEBS, CEO, Consulting Actuary, Chief Behavioral Officer, Humaculture, Inc.
- Sven Lohse, Principal, Research at Canton & Company
Objective
At the ICSL, dozens of industry executives have been developing a plan to help insurers proactively address the tragedy of rising mortality and morbidity. Excess mortality and morbidity is a problem for our industry, and society. The ICSL is bringing together insurers to work together to solve it. Find out the impact we can make from Steve Cyboran in this presentation on slides 33-36 and at 32:46 in the video.
Presentation
You can access the slides below.
Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. Our team includes business and human relations leaders, finance experts, actuaries, clinicians, behavioral health experts, pharmacy experts, and legal resources to guide you through the strategy and compliance process. Please contact us: [email protected].