2026 Appointed Actuary’s Report Supplementary Tables for Life, Property and Casualty and Mortgage Insurers

2026 Appointed Actuary’s Report Supplementary Tables for Life, Property and Casualty and Mortgage Insurers — see the OSFI release for detail.

Our take: OSFI's updated actuarial tables signal shifting insurance reserve assumptions for 2026—watch for tightened mortgage insurance pricing and taller capital buffers that lenders will pass directly to borrowers through higher premiums and stricter LTV thresholds.

In your underwriting: Mortgage insurance costs will rise and LTV ceilings may compress, pushing your financing assumption upward (higher blended cost of capital) and forcing larger down-payment buffers into deal equations.

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