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Ë¿¹ÏÊÓƵAPP's  K. S. Gopalakrishnan explores the lost art of listening to the voice of the customer and shares advice for life insurers seeking to sort the signal from the noise. Read More

Data and analytics are transforming insurance. From risk selection to product design, the opportunities to improve the insurance process are nearly endless, but all require policyholders to part with personal data and therefore demand a deep level of trust from doubtful... Read More

The need to make predictions in the life insurance space is nothing new – predicting future mortality trends is the very basis of life insurance risk assessment, after all. Ë¿¹ÏÊÓƵAPP's Richard Xu explores the role of data science and innovation in prediction. 
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The high net worth (HNW) population largely has better mortality than the general population. Ë¿¹ÏÊÓƵAPP's Hilary Henly explores the ways HNW individuals are seeking to extend longevity through cancer screening, genetic testing and advanced medical care. She also discusses the... Read More

Ë¿¹ÏÊÓƵAPP's Jean-Louis Fourie takes readers on a whirlwind tour of WhatsApp’s coming of age and its potential application to the insurance customer journey.  Read More

Ë¿¹ÏÊÓƵAPP's Marc Sofer, Head of Data and Strategic Analytics, Asian Markets, discusses how the newest data sets, together with existing data and novel analytics, are impacting the industry’s growth and development.   Read More

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As health plans look for opportunities to grow their business, many see employer stop-loss as an opportunity.

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The frailty index (FI) holds a robust and consistent correlation with mortality and morbidity and is a stronger predictor of mortality than chronological age. Frailty status may be a promising risk factor to add into the underwriting mix, particularly for disability ...

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In much the same way that insurers went through a transformation with prescription history data, a new landscape around the use and application of electronic health records is taking shape. Ë¿¹ÏÊÓƵAPP's Sue Wehrman discusses the implications in  Read More

The underwriting role is changing, and the highly skilled underwriter has the opportunity to take a far more strategic role in the business and add value throughout the insurance process. But this can only happen if carriers can free staff from crushing caseloads. To le... Read More

Behavioral economics is an area that is making a substantial splash in many industries and insurance is no exception.  Behavioral economist Matt Battersby examines how his discipline can play a role in reducing disclosure gaps.

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Ë¿¹ÏÊÓƵAPP's Dr. Newman Harris offers part one of a two-part series that outlines the latest ways to define and classify chronic pain as laid out in ICD-11. Understanding how pain informs impairment is an essential piece of our work, and this article provides additional clarit... Read More

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Ë¿¹ÏÊÓƵAPP's Sandeepan Basu provides an overview of the Fourth Universal Definition of Myocardial Infarction. This well-researched article delves into key aspects of the updated definition, explores its complexity, and presents potential implications for the life insurance ...

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The life and health insurance customer journey can be an emotional experience. Ë¿¹ÏÊÓƵAPPX's Charlie Matthews believes that in digitizing that journey carriers should begin by identifying customers' wants, needs, and expectations and then work to create an experience that addr... Read More

Insurers seem to be chasing appearances, but sleek, web-based systems can mask a distressing reality: Underwriting technology underpinning the decision process is not attracting the same attention. Ë¿¹ÏÊÓƵAPP's Bruce Bosco calls for a greater emphasis on automated underwrit...

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In this issue, explore topics from chronic pain and myocardial infarction to applying behavioral economics to non-disclosure. 
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The impact of genetic testing on the insurance industry will continue to be an important topic of actuarial research for some time as insurers address its effect on pricing and valuation. Insurance product development opportunities may also emerge to capitalize upon the... Read More

Ë¿¹ÏÊÓƵAPP has conducted a global survey of technology use in claims, spanning 107 companies. To learn more about Ë¿¹ÏÊÓƵAPP's key findings, download the

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