1、MILLIMAN REPORT 2025 annual survey of the U.S.individual disability income insurance market FEBRUARY 2026 Tasha S.Khan,FSA,MAAA Table of contents SECTION I:INTRODUCTION.1 SCOPE OF THE 2025 IDI MARKET SURVEY.1 CONTRIBUTORS.1 RELIANCE AND LIMITATIONS.1 QUALIFICATIONS.2 ABOUT MILLIMAN.2 SECTION II:SURV
2、EY HIGHLIGHTS.3 HIGHLIGHTS.3 CONCLUDING OBSERVATIONS.3 SECTION III:SALES RESULTS.4 VOLUME OF ANNUAL SALES FROM 2020 THROUGH 2024.4 BUSINESS PRODUCTS.6 MARKETS.6 KEY OCCUPATIONS.10 DISTRIBUTION TRENDS.12 NONCANCELABLE TRENDS.15 ELIMINATION PERIOD TRENDS.17 BENEFIT PERIOD TRENDS.18 SECTION IV:UNDERWRI
3、TING.19 ISSUE AND PARTICIPATION(I&P)LIMITS.19 REPLACEMENT LIMITS.20 UNDERWRITING REQUIREMENTS:INDIVIDUALLY SOLD MARKET.25 UNDERWRITING REQUIREMENTS:ESML MARKET.26 SIMPLIFIED UNDERWRITING PROGRAMS.28 CHANGES IN UNDERWRITING PROGRAM SINCE THE LAST SURVEY.29 INDIVIDUAL UNDERWRITING DECISIONS.29 SECTION
4、 V:PRODUCT AND PRICING.31 CURRENT PRODUCT FEATURES.31 COLA OPTIONS.32 MENTAL/NERVOUS LIMITATIONS.32 NEW PRODUCT AND PREMIUM RATE CHANGES SINCE THE LAST SURVEY.33 PRODUCTS SPECIFIC TO THE ESML MARKET.34 GEOGRAPHICAL PRICING.35 PREMIUM SURCHARGE FOR TOBACCO USE.36 SECTION VI:GENERAL TRENDS.37 COMPANIE
5、S SATISFACTION WITH PROFITABILITY AND SALES RESULTS.37 MAKING THE IDI SALE EASIER.37 FAVORABLE TRENDS IN THE IDI MARKET.38 UNFAVORABLE TRENDS IN THE IDI MARKET.39 OBSTACLES TO THE LONG-TERM FINANCIAL HEALTH OF THE IDI MARKET.40 OPPORTUNITIES FOR GROWTH IN THE IDI MARKET.41 OBSERVED CHANGES IN IDI CL
6、AIM PATTERNS.41 MILLIMAN REPORT 2025 annual survey of the U.S.1 February 2026 individual disability income insurance market Section I:Introduction This report presents the results of Millimans 2025 annual survey of the U.S.individual disability income(IDI)insurance market.Milliman has conducted this
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