cff-version: 1.2.0
title: "Lapse & Surrender Study 2023–25 · scelo"
message: >-
  If you use this Space or its data, please cite the dataset, and the SOA Research Institute and
  LIMRA data request it answers.
type: software
authors:
  - family-names: Denewade
    given-names: Ali
    affiliation: "Intelligent Actuaries"
url: "https://huggingface.co/spaces/intelligentactuaries/lapse-surrender-study-scelo"
repository-code: "https://huggingface.co/spaces/alidenewade/lapse-surrender-study-scelo"
license: MIT
version: "1.0.0"
date-released: "2026-09-30"
keywords:
  - actuarial science
  - lapse
  - experience study
  - VM-51
  - synthetic data
references:
  - type: data
    title: "Synthetic Term and Whole Life Lapse and Surrender Study, 2023–2025: 10,000 synthetic policyholders in the VM-51 layout"
    authors:
      - family-names: Denewade
        given-names: Ali
        affiliation: "Intelligent Actuaries"
    year: 2026
    url: "https://huggingface.co/datasets/intelligentactuaries/synthetic-lapse-surrender-study-2023-2025"
    license: CC-BY-4.0
    notes: "Synthetic data. Not SOA or LIMRA data."
  - type: report
    title: "2023–2025 Term and Whole Life Lapse and Surrender Experience Study Data Request"
    authors:
      - name: "Society of Actuaries Research Institute"
      - name: "LIMRA"
    year: 2026
    month: 7
    url: "https://www.soa.org/research/opportunities/2026/2023-2025-term-whole-life-lapse-sur-exp-study-data-request/"
  - type: software
    title: "scelo"
    authors:
      - name: "Intelligent Actuaries"
    version: "0.1.0"
    url: "https://docs.intelligentactuaries.com/scelo/libraries/"
    repository-code: "https://github.com/intelligentactuaries/scelo"