# Actual Age, impact

**URL:** <https://community.goactuary.com/t/actual-age-impact/9673>\
**Category:** Life Insurance\
**Created:** [October 3, 2024, 5:05pm UTC](https://community.goactuary.com/t/actual-age-impact/9673 "2024-10-03T17:05:48Z")\
**Posts on this page:** 4\
**Page:** 1

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**Author:** ![SpaceLobster](https://community.goactuary.com/user_avatar/community.goactuary.com/spacelobster/32/38216_2.png) [@SpaceLobster](https://community.goactuary.com/u/SpaceLobster)\
**Post date:** [October 3, 2024, 5:05pm UTC](https://community.goactuary.com/t/actual-age-impact/9673/1 "2024-10-03T17:05:48Z")

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Just a random thought. Almost all life companies in Canada use age nearest. One company uses actual age. So when shopping premiums, that company shows up number one whenever we’re within 6 months of their next birthday.  
That means that they must be getting a very heavy load of clients who are closest to their next birthday.  
How does that impact them? I think it doesn’t likely make a difference, but I dunno, in large numbers I suppose these things can do weird stuff.

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**Author:** ![SteveGrondin](https://community.goactuary.com/user_avatar/community.goactuary.com/stevegrondin/32/3257_2.png) [@SteveGrondin](https://community.goactuary.com/u/SteveGrondin)\
**Post date:** [October 3, 2024, 7:36pm UTC](https://community.goactuary.com/t/actual-age-impact/9673/2 "2024-10-03T19:36:47Z")

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Well, if their products have been ALB while competitors have been ANearB long enough their experience will reflect any skew of folks’ fractional age.

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**Author:** ![SpaceLobster](https://community.goactuary.com/user_avatar/community.goactuary.com/spacelobster/32/38216_2.png) [@SpaceLobster](https://community.goactuary.com/u/SpaceLobster)\
**Post date:** [October 3, 2024, 10:29pm UTC](https://community.goactuary.com/t/actual-age-impact/9673/3 "2024-10-03T22:29:55Z")

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I figured they’d just have on average a block that’s six months older than others.

Do they take that into account in pricing? Seems like they should but I’ve never actually seen this discussed.

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**Author:** ![twig93](https://community.goactuary.com/user_avatar/community.goactuary.com/twig93/32/527_2.png) [@twig93](https://community.goactuary.com/u/twig93)\
**Post date:** [October 4, 2024, 4:05am UTC](https://community.goactuary.com/t/actual-age-impact/9673/4 "2024-10-04T04:05:40Z")

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They probably don’t explicitly account for that, it’s just going to emerge in their experience.