ReFlections Impact of Lifestyle Factors on Mortality and Morbidity
Research and White Papers September 2023
Exploring the Impact of Lifestyle Factors on Mortality and Morbidity Using UK Biobank Data

With interest in wellness rising rapidly across the insurance industry, a research collaboration between ˿ƵAPP and the University of Leicester seeks to provide critical insights to enhance underwriting and pricing for wellness products, as well as to inform consumers o...

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Woman at table making a decision
Articles September 2023
How Consumers Experience Risk Can Influence Insurance Decisions
Behavioral science shows an individual’s feelings toward risk are useful and often beneficial in decision-making. In this Read More
A man holds a smartphone displaying a healthcare application
Articles September 2023
The Digitalization of Healthcare in Europe: Implications for Insurers in the COVID-19 Era
The pandemic’s acceleration of healthcare digitalization in Europe revealed the great potential of this transformation as well as systemic challenges. Insurers will play an essential role in creating an ecosystem that makes quality care accessible to all those who need ... Read More
woman making risk score analysis on computer
Research and White Papers September 2023
Evaluating the Accuracy of Mortality Risk Scores: An ˿ƵAPP analysis
Curious about ˿ƵAPP's insights around mortality risk scores and other risk assessment issues? Contact us to learn more.  Read More
A profile image features Dr. Peter Farvolden
Articles September 2023
Mental Health Approaches | Dr. Peter Farvolden

In this Inside ˿ƵAPP Q&A, Dr. Peter Farvolden, Mental Health Consultant, talks about his research into personality and temperament, the importance of accessible evidence-based treatment, and why he is fascinated by the intersection of insurance and mental health.

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A pair of women lean over a pier, gazing at the water
Articles September 2023
˿ƵAPP Global Mental Health Survey Part I: Overview

This is the first article of a four-part series that will also include articles further exploring the survey’s implications for

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Foreign Travel Risk Underwriting and Claims
Articles August 2023
Foreign Location Risk: Underwriting and claims matter
Accounting for foreign location risk requires substantial legwork in both underwriting and claims management, but it is worth the effort in order to effectively identify and prevent fraud. Read More
Insurance Opportunities Serving Middle Market in South Africa
Articles August 2023
The Middle Market in South Africa: An untapped opportunity?
The middle market segment in South Africa remains relatively underserved by insurers despite its significant growth and contribution to the economy. This article from  featu... Read More
A nurse holds the tiny foot of a NICU baby in an incubator
Articles August 2023
Protecting the Tiniest Patients: The rising cost of complex infant claims and strategies for insurers
Learn about the key factors contributing to complex infant claims and approaches insurers can take to help prevent preterm birth and proactively respond to the escalating costs of complex infant care.  Read More
A man sitting at a desk with computer monitors displaying code
Articles August 2023
Artificial Intelligence and Insurance Fraud: Four dangers and four opportunities
Insurers should monitor the latest AI-assisted hoaxes and learn more about how to harness the power of AI to uncover potential fraud throughout the insurance pipeline. Read More
Articles August 2023
Product Trends Around the World 2Q 2023

˿ƵAPP provides quarterly updates on global product developments, which can be made available upon request.

This issue explores how insurers worldwide are developing products to meet the specific protection needs of freelancers.

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A pair of roses rest on headstones in a graveyard
Articles August 2023
The End is Just the Beginning: Potential for growth in final expense coverage
While death, like taxes, may be inevitable, it does not have to financially burden those left behind. According to ˿ƵAPP's Brian Sibley and Nathan Hill, a certain type of life coverage — known as final expense or “burial” insurance — can be an affordable option and a powe... Read More
A patient reclines as she receives chemotherapy to treat cancer
Research and White Papers August 2023
The Cost of Cancer: Price versus life

Crucial cancer medicines are currently in short supply due to heightened demand and a number of manufacturing, pricing, distribution, and approval challenges. ˿ƵAPP's Hilary Henly explores the complicated causes and addresses the consequences for patients, providers, a...

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Articles August 2023
Insights from a Leader | Dr. Dave Rengachary

In an interview with

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Critical Illness New Frontiers
Videos July 2023
Critical Illness Protection: New frontiers, new customers
Curious about ˿ƵAPP's insights around critical illness insurance and other product development issues? Contact us to learn more.  Read More
A man gestures in a meeting
Articles July 2023
Five Tips to Combat the Insurance Industry’s Talent Shortage
Five tips to combat the insurance industry’s talent shortage, including developing a comprehensive talent strategy aligned with business strategy, embracing technology, and reimagining operating models. Read More
Digital Fraud Prevention ˿ƵAPP Interview with TransUnion
Articles July 2023
Combatting Insurance Fraud Amid Increased Digitalization
TransUnion's Matt Badgerow explains why insurers should adopt a forward-thinking approach to fraud and build frameworks that can adapt to unforeseen circumstances and adjust rules and workflows accordingly. Read More
Market Research in Product Development
Articles July 2023
Ongoing Market Research with Distributors Strengthens Korea’s Innovative Life Products
Continuous, collaborative market research and monitoring throughout development and even after introduction, especially when creating products with novel features and structures, provides a powerful tool to help accelerate innovation and enhance the sales journey. Read More
Articles July 2023
Purpose-Driven Philanthropy | Jasmina Schue

In this Inside ˿ƵAPP interview, Jasmina Schue discusses

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