This is the 74th annual report of the intercompany mortality experience for Canadian individual life insurance policies. The study adds the one-year period beginning with the policy anniversary in 2022 on an age-nearest-birthday basis for data submitted by nine companies and focuses on the most recent five policy years. Approximately 70% of Canadian individual life insurance is covered by this study. This report primarily presents the experience of individual life insurance policies and riders issued in Canada that require full underwriting. This is the first Canadian Institute of Actuaries (CIA) mortality report to include experience under joint policies.