Women walking in the woods
Research and White Papers March 2025
Quantifying Wellbeing in Insurance: What are the keys to a longer life?

Ë¿¹ÏÊÓƵAPP's analysis of the UK Biobank study unveils compelling correlations between lifestyle factors and mortality risk, offering insurers a fresh perspective on risk assessment. By integrating both traditional and novel biometric indicators, this research lays the groun...

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Doctor giving man a throat scan.
Articles March 2025
Trustworthy Data Provides the Foundation for a Quintuple Win in the Middle East

Trustworthy data is at the core of a new technology stack in the Middle East that looks to create a major new benefit across the healthcare and insurance industries.

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A woman crosses her hands over her chest and gazes ahead at an analyst taking notes
Research and White Papers March 2025
Improving Mental Health Disclosures for Insurance Underwriting
When it comes to mental health disclosure, behavioral science techniques can improve accuracy and the applicant experience. Clear, concise language, comprehensive examples, and destigmatizing language can make questions easier to answer.  Read More
Woman standing at a window
Publications February 2025
Product Trends Around the World: February 2025

Ë¿¹ÏÊÓƵAPP monitors global product trends throughout the industry – from development to distribution – and provides insights regarding their impact. These span numerous categories, including life, health, technology, and more.

Find a roadmap for navigating today’s pro...

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Road closed sign in flood water
Articles February 2025
Climate Change and Human Health: Unraveling the complex web of impacts
Climate change's impact on mortality and morbidity requires insurers to adopt comprehensive approaches for measuring, attributing, and mitigating its effects. The goal is to enhance reporting methods and perform a holistic risk analysis to effectively prepare for emergi... Read More
Woman talking with a man about an insurance partnership
Articles February 2025
Building a Better Insurance Partnership: Lessons from a historic holistic collaboration

Ë¿¹ÏÊÓƵAPP's recent multifaceted collaboration with a fraternal life carrier showcases how leveraging the right reinsurer's wide-ranging capabilities — from product development to customer experience improvements — can empower even smaller insurers to rapidly expand into lu...

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Dr. Dan Zimmerman
Research and White Papers February 2025
Insurance Medicine: Past, present, and future

In this Inside Ë¿¹ÏÊÓƵAPP Q&A, taken from the pages of the ReFlections newsletter, Dr. Dan Zimmerman, Senior Vice President, and Executive Medical Editor and Advisor, discusses industry changes over the past two decades, experiences fr...

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A laboratory test being conducted
Research and White Papers February 2025
Recent Trends and Impact of Viral Infectious Diseases: An insurer’s perspective

The interest in viral diseases has been on the rise for both insurers and investors. In this article from Ë¿¹ÏÊÓƵAPP's 

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Research and White Papers February 2025
The Evolving Science of Concussions: What insurers need to know

Traumatic brain injuries are a significant global public health issue. In this article from Ë¿¹ÏÊÓƵAPP's 

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A man and woman sitting at a table on their smartphones
Research and White Papers February 2025
Understanding Smartphone ‘Addiction’

Emerging evidence suggests smartphone use can have a negative effect on mental health. In this article from Ë¿¹ÏÊÓƵAPP's 

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Son explaining life insurance to older father
Articles February 2025
Behavioral Science and Life Insurance: The value of improved comprehension in the customer journey

In this article from The Actuary, Ë¿¹ÏÊÓƵAPP’s Rosmery Cruz explains how behavioral science techniques can significantly enhance customer comprehension of life insurance products, potentially reversing declining ownership rates. Research from Ë¿¹ÏÊÓƵAPP has identified practical st...

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Women business leaders
Articles February 2025
Fostering a Collaborative Culture for Women Leaders in Insurance

How can insurers develop more women leaders? Four Ë¿¹ÏÊÓƵAPP executives share insights from their experiences and offer tips for women looking to step up on the career ladder.

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A person standing in front of a mountain with their reflection showing in nearby water
Publications February 2025
ReFlections Volume 64, February 2025

Explore in-depth articles on important medical topics and stay up to date on a range of hot-button issues impacting life and health insurers, from the long-term effects of concussions to addressing mental health in the digital age.

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Woman talking with a woman about insurance
Articles February 2025
Unlocking Success in Insurance Technology through Strategic Partnerships

Through patience and perseverance, Ë¿¹ÏÊÓƵAPP's innovative partnership with Road To Health Group transformed the startup's business into a global success story, unlocking new digital health products and positioning Ë¿¹ÏÊÓƵAPP as an expert in using technology to reduce risks and dr...

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Team in Latin America in the office having fun
Articles February 2025
Elevating Underwriting in Developing Regions: A transformative opportunity

Elevating the role of the underwriter as a highly skilled risk-management profession, especially in developing insurance markets, is crucial to underscore its importance in driving growth.

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A smiling Indian mother is embraced from behind by her grown daughter.
Articles February 2025
Protecting Her Wellbeing: How an innovative critical illness plan is bridging the coverage gap for women in India
Learn how Ë¿¹ÏÊÓƵAPP India and ICICI Prudential Life Insurance are leading the way with their innovative "ICICI Pru Wish," a critical illness plan that offers first-of-its-kind comprehensive coverage addressing the distinct health challenges and financial impacts women in Indi... Read More
Women doing a diabetes insulin test
Articles February 2025
Learning from Obstacles: Three lessons from a digital-first diabetes insurance product in Mexico

Ë¿¹ÏÊÓƵAPP's pioneering diabetes insurance product in Mexico overcame initial hurdles and provides valuable insights into how to successfully introduce new products in Latin America.

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Cherries being put in alcoholic drinks
Articles February 2025
New Cancer Warning Spotlights Alcohol’s Mortality Risk

The outgoing US Surgeon General's report highlighting alcohol’s link to various cancers provides an opportunity for insurers to leverage the public spotlight and reinforce the risks to mortality from any level of consumption. 

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A robot hand and dominos, one of which is red
Articles January 2025
Adopting AI: How can actuaries and the insurance industry benefit?
Ë¿¹ÏÊÓƵAPP’s Fontaine Chan shares her insights on the growth of AI, the need to develop new models and use cases, and the new roles for actuaries in an AI-enhanced insurance industry. Read More
Man using AI at his computer
Articles January 2025
Chinese Entry Shakes the AI World: What it means for life insurance

DeepSeek, a Chinese AI company, has released open-source language models matching OpenAI's performance, shaking up the AI landscape. For life insurers, embracing open models allows cost-effective customization while ensuring data privacy and regulatory compliance.

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