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Articles September 2021
Insurance Fraud and COVID-19
Ë¿¹ÏÊÓƵAPP fraud experts from a range of disciplines share their insights on the ever-evolving COVID-19 crisis and its impact on life and health insurance fraud. 

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Articles September 2021
One Size Doesn’t Fit All: What Can Behavioral Science Tell Us About Designing Attractive Wellness Programs?
To innovate, insurers must marry a deeper understanding of how consumers make decisions with sophisticated product development based on the principles of behavioral science. Ë¿¹ÏÊÓƵAPP's customer research in Asia reveals surprising insights about the most successful insur... Read More
Articles September 2021
Pharmacogenomics: The Future of Precision Medicine

Ë¿¹ÏÊÓƵAPP's Hilary Henly, FCII, Global Medical Researcher, reviews pharmacogenomics, a fast-expanding and vitally important component in the field of precision medicine, in ReFlections. She makes the case that if genomic information is routinely available in a per...

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Articles September 2021
New Treatment Paradigms in the Management of Multiple Sclerosis
It's an exciting time in the evolution of the understanding and management of multiple sclerosis. In this issue of ReFlections, Dr. Heather Lund, Regional Chief Medical Officer, Asia, offers an extensive and detailed piece providing much of the latest research ... Read More
Image of gowned and masked medical researcher operating a data screen showing COVID-19
Research and White Papers September 2021
Mortality and Morbidity Modeling Considerations under COVID-19

As the world continues to battle COVID-19 and emerging variants of the SARS-CoV-2 virus, the life and health insurance industry finds itself both reviewing lessons learned and preparing for what will happen next. (Re)insurers’ ability to estimate COVID-19’s current a...

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Articles September 2021
What’s Next? - Life and Health Insurance Product Development Beyond COVID-19
The long-term impacts of the COVID-19 pandemic on product innovation and development strategies are yet to be determined, but Ë¿¹ÏÊÓƵAPP's Dan Lyons suggests that a few major changes may remain and even become more common.
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Publications September 2021
ReFlections Volume 54, September 2021
Review reactive thrombocytosis, explore multiple sclerosis, and understand pharmacogenomics in this issue.


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Articles August 2021
How Insurers Can Improve Retirement Readiness and Financial Wellness in the Time of COVID-19
Retirees need the reassurance a steady stream of income provides, argues Ë¿¹ÏÊÓƵAPP's Diana Bosworth. She tours an increasingly vibrant product development landscape oriented around encouraging financial wellness in retirement.  Read More
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Articles August 2021
Out of Sight, Out of Mind? Digitalizing the Future of Claims
Research shows that timely, efficient, accurate, and fair claims settlements can strengthen the customer relationship in profound ways. On the other hand, underinvestment in claims can result in real reputational damage. Ë¿¹ÏÊÓƵAPP makes the case for claims innovation.  Read More
Videos August 2021
Eldercare and Aging – Insights and Opportunities

Curious about Ë¿¹ÏÊÓƵAPP's medical insights?  Contact us to learn m...

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Articles August 2021
Health Insurance in China: Evolving Challenges and Solutions

China is committed to making quality healthcare affordable and accessible to its residents, however it faces substantial challenges. Ë¿¹ÏÊÓƵAPP's Dipali Jawalkar provides an overview of China's health infrastructure, technology's impact on insurance product innovation,...

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Articles July 2021
COVID-19 Pandemic Accelerates Convergence in Insurance Distribution
How will the COVID-19 pandemic impact life and health insurance distribution and sales in the long term? Peter Rodes and Eva Goldstein of Ë¿¹ÏÊÓƵAPPX, the transformation engine of Ë¿¹ÏÊÓƵAPP, discuss the key drivers of insurance's accelerated convergence. Read More
Articles July 2021
Redefining Wellness: Global Survey Sheds New Light on Opportunities for Insurers

Curious about Ë¿¹ÏÊÓƵAPP’s global survey results? 

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Man taking pharmaceuticals
Articles July 2021
New Medication for Alzheimer's Disease

Aducanumab (AduhelmTM), a new drug designed to treat Alzheimer's disease was approved by the FDA on June 7, 2021. Ë¿¹ÏÊÓƵAPP's Dr. Dave Rengachary discusses what this means for insurance, as well as the controversies around it.

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Research and White Papers July 2021
Calorie Restriction (CR) – What is it and what does the research tell us?

This article is the first in a three-part series, highlighting areas of research funded by the  (LLF), a not-for-profit organization that supports the study of scientific and p...

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Articles July 2021
Jumbo Policy Fraud Prevention: Industry Collaboration Delivers a Solution

Trey Reynolds, Executive Vice President, Strategy & New Business Development, MIB Group, Inc., presents on the jumbo solution and is joined by other leading voices in the fraud-fighting community at the Ë¿¹ÏÊÓƵAPP Fraud Conference.

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Image of woman at a microscope
Videos July 2021
The Promise of Liquid Biopsy in Advancing Cancer Diagnosis and Treatment
Today, a diagnosis of cancer requires a traditional biopsy consisting of direct tissue sampling and analysis, but liquid biopsies are changing the game. Read More
A nurse vaccinates a patient
Research and White Papers July 2021
Duration of Natural and Vaccine-induced COVID-19 Immunity: What we know and what we need to learn
Ë¿¹ÏÊÓƵAPP's Hilary Henly provides an overview of natural and vaccine-induced COVID-19 immunity, how long immunity is likely to last, whether booster shots will be needed, and more.

Evidence to date suggests that individuals previously infected with SARS-CoV-2 who are... Read More
Sets of test tubes representing different stages of disease
Research and White Papers July 2021
Multi-state Models and their Applications in (Re)insurance

Multi-state models, or MSMs, can help actuaries better characterize individuals as they progress through disease states. Ë¿¹ÏÊÓƵAPP's Kishan Bakrania, Chris Falkous, and Richard Russell provide a clear-eyed introduction to this form of modeling and share use cases...

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Credit cards with lock
Articles June 2021
Insurance Fraud Today and Tomorrow
Ë¿¹ÏÊÓƵAPP is a proud member of the , America’s only anti-fraud alliance speaking for consumers, insurance companies, government agencies, and others. We invit... Read More