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Life & Annuity Standards Program

Life & Annuity Standards Program


The standard encompasses three primary areas:

  • Products — All annuity products and all insurance products defined as a financial instrument that have, as a pricing or coverage component, the risk of a person dying (mortality) or becoming disabled (morbidity).
  • People — All producers or consumers of insurance data including producers/agents, distributors, carriers, reinsurers, regulators, third party service providers, solution providers, and any other users of insurance data.
  • Processes — All business processes where insurance data needs to be exchanged between systems or trading partners.

Areas Covered

Life Insurance

Life Products, Illustration, Life Reinsurance Individual Lines, Life Reinsurance Group Lines


Annuity Products


Employee Benefits, Long Term Care, Disability


Program Components

ACORD Life & Annuity Data Model

The Life & Annuity Data Model is the heart of the standard. It defines the data needed for business partners to communicate. Boxes in the data model represent objects for which a comprehensive set of data requirements is defined.
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ACORD XML Messages for Life & Annuity

ACORD XML for Life & Annuity enables real-time, cross platform business partner message and information sharing. It combines the data vocabulary of the LAH Data Model with all the benefits of XML.
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ACORD Life & Annuity Forms

ACORD maintains a growing library of standardized LIfe & Annuity forms based on the Data Model to meet the diverse needs of the industry. ACORD forms are regularly reviewed to maintain compliance with local laws and regulations, and are filed with regulators on behalf of all ACORD members when applicable.
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