Not only that....the US insurance industry employs the best actuaries in the world. If there is a problem, it won't take them long to get to the bottom of it. (Oddly enough, the second best actuaries in the world work at the Social Security Administration. I have crossed professional paths with people from OACT for years and if I was charged with the task of proving that not all government employees are lazy morons, they would be my Exhibit A.)