News from all around our global Life & Health network
2019-06-11 | Technology
Reinsurance News recently spoke with Tony Laudato about the influence of technology on the life and health re/insurance sector, where advancements in tech are starting to play a more meaningful role:
2019-05-31 | ReCent UK insights: Vaping
Smoking remains the biggest preventable differentiator when it comes to life insurance costs. A new start-up recently launched with a product aimed at offering discounts for policyholders who replace smoking with less harmful alternatives. Should we offer those who vape cheaper life insurance? Tim Smith shares his views on vaping in the first edition of ReCent UK insights:
2019-05-28 | Innovation
Tony Laudato speaks with Reinsurance News on trends in the US life market as more companies embrace new technology.
2019-05-21 | Education & Training
From Europe to Asia, insurers’ underwriting and claims personnel benefit from Hannover Re’s exclusive education & training programmes. Key topics of our seminars in Milan, Edinburgh and Seoul this month: Strengthening medical underwriting and claims decision abilities as well as understanding related insurance principles.
2019-05-17 | hr | equarium explained (5/5)
Insights from Patrick Kosmützky on how hr | equarium is helping to shape the future of insurance. Read, register, and rethink what is possible:
"A global network of innovations" - Interview with Patrick Kosmützky on hr | equarium
2019-05-16 | hr | equarium explained (4/5)
What can hr | equarium do for you that an online search engine can’t? Register now and, instead of searching for the best-fit solutions, start finding them:
2019-05-15 | hr | equarium explained (3/5)
Our online platform provides access to a diverse range of solutions spanning the entire insurance value chain, propelling the industry forward by making it easier to find and implement new technology. Register now and browse through inspiring solutions provided by insurtechs from around the globe:
2019-05-14 | hr | equarium explained (2/5)
What is the idea behind hr | equarium, our insurtech innovation pool? It helps guide valuable collaborations between insurtechs and insurers. Join the platform now:
2019-05-13 | hr | equarium explained (1/5)
Insurers and insurtechs alike are buzzing about hr | equarium, but you are still wondering what it really is? Patrick Kosmützky explains it for you. Be sure to join us on our mission to connect innovators and register now:
2019-05-06 | Hybrid policies
A recent article by Tony Laudato in The Insurance Advocate Magazine explores the benefits of long-term care hybrid products and potential they have to revitalize the market.
2019-05-02 | Product innovation
In some cultures, parents are financially dependent on their children – especially in older ages. However, what happens if parents outlive their children? Products such as Hannover Re’s parents protection plan allow insurers to provide an affordable and easy-to-understand longevity coverage for parents in such a life situation to mitigate the financial shortfall.
2019-04-29 | Canadian Reinsurance Conference
The 63rd annual Canadian Reinsurance Conference brought together actuaries, medical underwriters, administration experts, and innovators from around the globe. The impactful and thought-provoking event focused on current industry topics and allowed for collaboration and knowledge sharing so that the insurance industry can continue to provide value and protection to consumers in the time of their greatest need. Hannover Re was actively involved in the conference with experts presenting and moderating sessions on partnerships with insurtechs, inforce business management, and medical advancements in life underwriting. For next year’s conference (24 March 2020), Amhlaoibh Lynch will be Chair.
2019-04-25 | World Malaria Day
Vector-borne diseases like Malaria can cause significant financial burden. With its product design expertise, Hannover Re helps insurers provide adequate protection to those affected.
2019-04-24 | hr | equarium
Exciting to see that hr | equarium, our insurtech innovation pool, was so well received among insurers and insurtechs alike since its launch. Be sure to join us on our mission to connect innovators and register now:
2019-04-23 | Innovation
Tony Laudato talks to Insurance Business America about what can breathe new life into the life insurance industry.
2019-04-09 | Sleep
Should insurers pay closer attention to the relevance of sleep in risk assessment? This article looks at the growing field of sleep epidemiology. Read more from Hannover Re’s Lauren Acton:
2019-04-04 | World Health Day
All around the world people need affordable coverage for incurring medical expenses. Thanks to our tailor-made solutions we support insurers to offer adequate health insurance at a fair price to as many people as possible.
2019-04-04 | Mumbai Fintech Accelerator
The event brought together start-ups from areas such as insurance, lending, payments, wealth management, and financial inclusion with insurers, banks, non-banking finance companies, and venture capital funds. GLN Sarma and Kingshuk Chakraborty shared their perspectives on the state of the Indian insurance industry, global trends, the role of insurtech, and how Hannover Re, as an innovative global reinsurer, can support forward-thinking initiatives.
2019-04-02 | Innovation
A new article in Insurance Innovation Reporter by Tony Laudato looks at innovation in the life industry and the concept of reciprocal intelligence.
2019-04-02 | Hannover Re client event Asunción
Interactive workshop in Asunción: Participants from the Paraguayan market take a close look at the complex factors and principles of life & health (re)insurance business together with our Hannover Re experts.
2019-03-28 | Hannover Re client event São Paulo
What is the best way to respond to digital disruption and the rapid pace of innovation? This is just one of the innovation-related topics that our Hannover Re experts take up in São Paulo today.
2019-03-27 | Hannover Re award
In order to foster top talent in India and to encourage the professional development of the local insurance market, Hannover Re India Branch established the Academic Excellence Award for Enterprise Risk Management. It honours candidates who achieved outstanding ST9 exam results. Earlier this month, GLN Sarma presented Pooja Pimputkar with the award. Congratulations!
2019-03-26 | Education & Training
Designed and adapted for specific markets, products and experience levels, Hannover Re’s education & training programmes provide necessary theoretical background in conjunction with real-life examples and practical, interactive training sessions. Just last week in Bangkok, Hannover Re welcomed experienced claims managers from the insurance industry.
2019-03-22 | Hannover Re seminar
Hannover Re Mexico supports life & health insurers in achieving the development, growth, and profitability they seek: Alejandra Bautista and team are committed to build stable long-term client partnerships based on excellence, efficiency and innovation. Just last week, an exclusive event in Mexico City brought together local key decision makers. The event was joined by Claude Chèvre, who introduced hr | equarium, Hannover Re’s online platform that connects insurance companies to innovators and insurtechs.
2019-03-21 | Hannover Re seminar
“The customer’s journey”: Our exclusive seminar in Israel covered various innovative topics – from hr | ReFlex, our automated underwriting system now also available in Hebrew, to Qinematic, a posture scan that helps insurers to reduce long-term disability and to improve their decision-making capabilities at the underwriting or claim stage.
2019-03-20 | Financial solutions
A recent "Reinsurance News" article highlights an expansion of Hannover Re's capabilities in the US life & health market with Kubera Insurance (SAC) Ltd.
2019-03-20 | Customer engagement
Real-time health data opens up opportunities for risk assessment, product design and pricing. To unlock the full potential, data has to be understood, analysed and translated into actionable business information. Together, Hannover Re and dacadoo offer life and health insurers a comprehensive technical solution that enables customer engagement and pay-as-you-live insurance products with variable premiums based on individual health data.
2019-03-18 | Education & Training
Hannover Re attaches great importance to systematic training and guidance for insurers’ underwriting and claims personnel. We have just completed an exclusive education & training seminar on Takaful insurance in Riyadh last week.
2019-03-13 | Education & Training
Hannover Re’s exclusive education & training seminar in Dubai this week brought together participants from Takaful and conventional insurance companies. Strengthening medical underwriting and claims decision abilities as well as understanding related insurance principles were the key topics.
2019-03-11 | Global Conference of Actuaries
More than 700 delegates from the life and health insurance industry attended the 20th Global Conference of Actuaries (GCA) in Mumbai last week. Organised by the Institute of Actuaries, this year’s theme was “Expanding the horizon, strengthening the core”. Hannover Re India Branch was among the sponsors. With many renowned Indian and international speakers, the event once again served as an excellent platform for networking, exchanging knowledge and sharing experiences.
2019-03-08 | Emerging technology
Tony Laudato sits down with Digital Insurance to talk about the possibilities of emerging technology in life insurance.
2019-03-05 | Client seminar
“New product ideas and reinsurance solutions”: Hannover Re India Branch’s annual flagship event was held in Mumbai last week. Over 40 attendees enjoyed presentations on innovative products and solutions for the Indian market – from dental insurance and funeral benefit cover to Hannover Re’s automated underwriting system hr | QUIRC.
2019-03-04 | AUCC
The ASISA Underwriting and Claims Conference (AUCC), co-sponsored by Hannover Re and chaired by Dr Matthew Procter, brought together insurers and reinsurers and involved underwriters, claims assessors, managers and key decision makers. Around 300 delegates attended the event that focused on digitalisation in the insurance industry and the importance of keeping the human touch.
2019-02-27 | hr | equarium
Hannover Re proudly announces the launch of hr | equarium, our insurtech innovation pool. The exclusive online platform brings together insurtechs and digital innovators with insurance companies ready to shape the future of our industry. Register now:
2019-02-25 | Solvency solutions: Japan
For Japanese insurers, economic value-based solvency evaluation and regulation as well as longevity risk are topics of increasing relevance. Hannover Re experts discussed implications and solutions during a seminar held in Tokyo last week.
2019-02-25 | Solvency solutions: Korea
Last week’s Solvency Solutions Seminar held by Hannover Re Korea focused on the regulatory changes in the Korean insurance industry: Hannover Re experts discussed implications, challenges and solutions; over 100 guests participated and shared their ideas. Hannover Re Korea appreciates the fruitful exchange of thoughts and everyone’s interest and participation.
2019-02-19 | hr | equarium launch
Rethink insurance – hr | equarium, Hannover Re’s insurtech innovation pool, coming soon.
2019-02-12 | Product innovation
Vector-borne diseases are one of the prevalent infections in India. We support a product which is designed to provide financial protection in case of vector-borne disease. This underpins Hannover Re’s commitment to support solutions and services for underserved consumers.
2019-02-06 | Term insurance
At the 14th "Current Issues in Life Assurance" (CILA), the flagship event of the Institute of Actuaries India, GLN Sarma, CEO of Hannover Re India Branch, joined a panel that discussed the sustainability of term insurance rates and the segmentation approach to making it work in a country as vast as India. The profiling concept, the ability to do such exercise, and the impact of declaration-based profiling at claims stage were discussed in detail as well as the challenges reinsurers and insurers face.
2019-02-04 | World Cancer Day
At Hannover Re, we are committed to supporting life insurers on their mission to offer people the protection and support they need. Our medical newsletter ReCent is just one example – various issues approach the cancer topic from different angles:
2019-01-30 | Hybrid policies
Tony Laudato's recent article in Insurance Thought Leadership explores how two problems present a big opportunity in the US life insurance market:
2019-01-24 | Automated underwriting
In a recent MarketWatch video, Hannover Re's Michael Reeves and Craig Simms of Vantis Life Insurance Company discuss how automated and accelerated underwriting are shaping the future of the life insurance industry.
2019-01-15 | Hannover Re at ICLAM
Learn more about insurance medicine, risk underwriting and claims assessment at the ICLAM Congress 2019. Benefit from early bird rates by registering before 10th of March 2019.
2018-12-20 | Hybrid life
Tony Laudato's recent article in InsuranceNewsNet discusses the opportunities and benefits of hybrid policies which combine life insurance and long-term care benefits. For those that can get it right, the rewards will be significant.
2018-12-14 | Solvency II
Solvency ratios of German life insurers vary significantly: In our sample, they range from 115% to 996%; the industry average is slightly above 400%. While an above-average ratio gives companies a competitive edge, especially those selling through brokers, a lower-level ratio may be sufficient for insurers who mainly focus on efficient capital allocation. Tailored reinsurance solutions support both objectives:
2018-12-13 | Solvency II
Longevity, the second-major life underwriting risk, materialises in the long run. In addition to the risk itself, interest is a major driver of solvency capital requirements (SCR): The lower the interest rate, the higher the SCR. Asset liability management cannot mitigate this effect since it would result in a mismatch of the best estimate cash flows. However, it can be reduced via reinsurance solutions to transfer longevity risk e.g. a regular premium annuity treaty:
2018-12-12 | Solvency II
Life underwriting risk constitutes around 30% of overall risk exposure. About 25% of the 84 German life insurance companies included in our analysis provide information on their individual split of life underwriting risks: Lapse turns out to be the major risk. Many companies‘ solvency capital requirements for this risk are based on the mass lapse scenario. In Europe, reinsurance solutions for mass lapse are well established.
2018-12-11 | Solvency II
Interest rates are a main driver of volatility of life insurers‘ Solvency II ratios. We have analysed the effectiveness of the two measures available to mitigate interest-related effects – volatility adjustment and matching adjustment. For the German and Spanish companies included in our sample, both instruments work equally well, each increasing solvency ratios by around 70 percentage points.
2018-12-10 | Solvency II
German life insurers‘ solvency positioning further improved from 2016 to 2017. While clearly the main driver, increased interest rates are not the sole reason for the excellent year-on-year development. It is interesting that the effectiveness of transitional measures, which allow companies to move to full SII implementation over a 16-year period, has not declined.
2018-12-07 | Solvency II
How can life insurers ensure sound and competitive solvency ratios under Solvency II? Based on data of 84 German companies, Mathias Schröder, Christiane Kück and Michael Winkler have examined key determinants and their effects in an article just recently published in „Versicherungswirtschaft“. Next week, we will share additional insights from their analysis here.
2018-11-19 | Education & Training
Being well prepared for the majority of day-to-day cases: During an exclusive education & training session in Seoul last week our Hannover Re experts covered general life underwriting and claims handling aspects.
2018-11-14 | Retirement solutions
Facing the challenges of increasing life expectancy. Hannover Re’s longevity experts support insurance companies worldwide in developing tailor-made retirement solutions:
2018-11-13 | Genetic tests
What can a genetic test reveal about us? And what pitfalls can underwriters experience given the variety of tests available today? Read more from Hannover Re’s Gareth Matthews:
2018-11-12 | Education & Training
How to maintain high quality of claims assessment in conventional and Takaful life insurance business? This was the key topic our Hannover Re experts focused on during their exclusive interactive education & training seminar for claims personnel in Kuala Lumpur:
2018-11-07 | Short-duration life insurance
Tony Laudato of Hannover Re's Partnership Solutions team discusses the opportunities for short-term life insurance policies and the collaboration with Life by Spot in a recent Reinsurance News article:
2018-10-24 | Underwriting automation
What can hr | ReFlex do for you? Our highly-rated automated underwriting solution:
2018-10-15 | Society of Actuaries
Hannover Re US is pleased to announce the following speakers at this year’s Society of Actuaries Annual Meeting. Clint Thompson is presenting "IFRS 17: A Peek at the Finance Cockpit of 2021". John Di Meo is moderating "Financial Reporting Impacts of Tax Reform". And Thomas Colbrook is presenting "How Companies Use Financial Reinsurance to Optimize Efficiency". We look forward to seeing you at the 2018 SOA Annual Meeting in Nashville, TN.
2018-10-09 | Hannover Re event
Impressions from our exclusive event in Madrid hosted by Eduardo Molinari and Azucena López. Enjoy the snippets of Claude Chèvre’s enthralling presentation and of Juan Manuel López Iturriaga’s inspiring food-for-thought speech.
2018-10-04 | Cooperation
Hannover Re’s underwriting solution, hr | ReFlex, will be combined with dacadoo’s health engagement app, enabling life and health insurers in Europe and Asia to offer consumers a digital end-to-end solution. At a later phase, the partners aim to develop a fully integrated technical solution, as well as product concepts based on individual lifestyle and health engagement.
2018-10-02 | Cooperation
Hannover Re US and Life by Spot have joined forces to develop a new market category in the US life insurance market.
2018-09-24 | Longevity 14
Globally, longevity risks exceed the available capacity in the insurance and reinsurance industry; therefore, systematic longevity risks should ultimately also be transferred to the capital markets. A standardized, coherent set of securities will help to increase liquidity in the market. Hannover Re’s Cord-Roland Rinke discussed some of these possibilities at last Friday’s plenary session at the L14 Conference.
2018-09-20 | Hannover Re seminar
Will blockchain revolutionize the (re)insurance industry? What are the key benefits of hr | ReFlex, our automated underwriting solution? How about offering life insurance without underwriting? These are just a few of the innovation-related topics that our Hannover Re experts will take up in Turin today:
2018-09-17 | Longevity 14
Hannover Re is looking forward to the L14 conference in Amsterdam on 20th and 21st September. Don’t miss the chance to join Friday’s plenary session on longevity investment and the regulatory dimension. Hannover Re’s Cord-Roland Rinke will speak about a new framework for longevity index covers. Cord will provide you with new insights into insurance-linked securities based on mortality improvements. Find the programme here:
2018-09-17 | Education & Training
Hannover Re UK Life Branch welcomed life underwriters and claims assessors to an exclusive education & training session. A warm thank you to all attendees for their contributions and to our expert trainers Katarzyna Preuss-Beranek and Dr. Heinrich Duhme for sharing their experience:
2018-09-13 | Hannover Re seminar
“Reinventing the insurance industry” – that is the overarching theme of today’s exclusive Hannover Re event in Madrid. From business-related innovations to impulses that go beyond the insurance horizon: Claude Chèvre and former professional basketball player Juan Manuel López Iturriaga are ready for their speeches. Hosts of the day are Eduardo Molinari and Azucena López.
2018-09-05 | Hannover Re seminar
How can innovative distribution, underwriting and product solutions help to shape the markets of the future? During today’s exclusive Hannover Re seminar in Cartagena de Indias, Colombia Claude Chèvre, Edgar Chávez and Andreas Wadhwa will discuss trends in the life and health insurance industry.
2018-08-28 | Cancer
What are the reasons for the dramatic incidence rise of thyroid cancer in the last three decades and are there implications for life insurers? Read more from Hannover Re’s Paul Edwards:
2018-08-13 | Obesity
Covering current statistics, causes and consequences, and the implications for life insurers, this article by Hannover Re UK’s Nay Wynn takes a look at obesity from an actuarial point of view:
2018-07-25 | Underwriting automation
hr | ReFlex, our award-winning automated underwriting solution, has just gone live with a Takaful company in Pakistan. One more milestone on the way to creating industry-changing accelerated underwriting programs together with our clients across the globe.
Our underwriting systems are amongst the most highly rated in customer satisfaction, according to an independent survey amongst over 1,500 decision makers in the insurance industry worldwide. Learn more about hr | ReFlex and the benefits it can bring to your company:
2018-07-18 | Award
Congratulations to Doug Ingle, Vice President, Underwriting Research, on his election to the AHOU: Association of Home Office Underwriters Hall of Fame.
2018-06-28 | Underwriting automation
Congratulations to Penn Mutual on its Impact Award. Penn Mutual’s Accelerated Client Experience (ACE) uses hr | ReFlex, Hannover Re’s automated underwriting solution, in its process. ACE is a fully digital platform that streamlines the application processing and decision-making time from an industry average of 30 days or more to as little as 24 hours and accounts for 35% of Penn Mutual’s life business.
2018-06-27 | Asset care
Hannover Re is pleased to announce a reinsurance agreement with OneAmerica related to its Asset Care business:
2018-06-19 | Underwriting
A recent article by Hannover Re's Michelle Privett in On The Risk looks at things rarely seen in life underwriting as well as interesting developments in scientific research and medical advancement:
2018-06-08 | International Congress of Actuaries
Many pension funds promise a benefit to the pensioner’s spouse when the pensioner dies. Often, the funds do not know anything about the spouse, not even whether the pensioner has one. Setting the right assumptions can be tricky: As always, there are substantial differences between the general and the insured population. Hannover Re’s Sven Wiesinger discussed some of those in his talk at the ICA 2018 this morning.
2018-05-31 | Smoking
Tobacco is enemy number one when thinking about preventable morbidity and mortality. Are e-cigarettes as safe an alternative as advertising wants to make consumers believe? And what about the prevalence of e-cigarette use rising not just among smokers wanting to quit? We take a holistic view of e-cigarettes to get a better understanding in this recently updated article by Matthew Procter:
2018-05-28 | International Congress of Actuaries
Are you attending ICA 2018 in Berlin next week? Then don’t miss the chance to join Friday’s pensions session focusing on risk management and solvency: Hannover Re’s Sven Wiesinger will speak about biometric risks in pension block portefeuilles. Find the full programme here:
2018-05-24 | Customer engagement
Sureify announces the completion of the Apply & Buy platform, a sophisticated omnichannel sales engagement solution for the life insurance industry. Hannover Re has partnered with Sureify to offer their insurance customers hr | ReFlex, our award-winning accelerated underwriting solution. Congratulations to Dustin Yoder and the team at Sureify on their Apply & Buy launch!
2018-05-23 | Anniversary
This month marks the 10th anniversary of our branch offices in Shanghai and Seoul. We greatly value the successful business relationships established over the past decade. Fook-Kong Lye, Simon Chong and teams will continue to dedicate all their energy and expertise to providing Life & Health clients in the region with innovative solutions and timely services.
2018-05-14 | Rheumatoid arthritis
Dr. Heinrich Duhme discusses how increased diagnostic accuracy and more effective treatment schemes together with new drugs help in tackling one of the most important rheumatic diseases, which can basically affect all major product lines (e.g. health, disability, critical illness, long-term care and life):
2018-05-08 | Innovation
Around one third of the population has a movement-related disorder. With the Qinematic Posture Scan software Hannover Re helps insurers looking for innovative solutions to reduce long-term disability and to improve their decision-making capabilities at the underwriting or claim stage thanks to reliable digital 3-D measurements:
2018-04-19 | Risk management
Under emerging risk-bearing arrangements in the U.S., healthcare providers become financially responsible for the care they deliver and have to cover any costs that surpass a stated benchmark – a severe financial risk. As risk management experts we offer solutions that are designed to mitigate financial risk and enable more predictable cash flows, profits and earnings:
2018-03-21 | Joint venture
Hannover Life Re of Australasia Ltd joins forces with GROW Super to bring distributed ledger technology to group insurance and to create customer experiences that will eventually be seamless, immutable and real time from application through to claim in and out of superannuation:
2018-03-19 | New office
Our worldwide network of offices allows our Life & Health clients to have a competent contact with superb knowledge of the local (re)insurance market available directly on the spot – now also in Abidjan, Côte d’Ivoire:
2018-03-08 | Innovation
Together, we can transform today’s challenges into tangible opportunities – anywhere in the world as illustrated by these exemplary business cases:
2018-02-21 | Insurtech
Hannover Re can help bridge the gap between insurtechs and life insurance carriers by vetting new solutions and making mutually beneficial connections for both. In partnership with our clients and insurtech partners, we seek to create industry-changing accelerated underwriting programs with hr | ReFlex, our state-of-the-art automated underwriting solution. With an open and modern architecture, hr | ReFlex’s design emphasizes components and functionality that maximize flexibility and ease of implementation. We are trusted by carriers and insurtechs alike for our innovative technology, mortality expertise and partnership approach. Contact us to learn more about our Partnership Solutions team and hr | ReFlex:
2018-02-02 | World Cancer Day
At Hannover Re, we take research and knowledge transfer very seriously and are committed to supporting life insurers on their mission to offer people the protection and support they need. ReCent, our medical newsletter, is just one example – various issues deal with the cancer topic approaching it from different angles:
2018-01-22 | Prostate cancer
Monique Esterhuizen discusses the significance of early stage prostate cancer and the resulting implications for life insurers:
2017-12-04 | Epidemics
In the latest issue of „Reinsurance News" Hannover Re UK’s Paul Edwards explores why we are seeing not only the potential return of epidemics from old infectious scourges but also the emergence of new threats (pp. 32–35):
2017-11-29 | Award
Congratulations to our colleagues at Hannover ReTakaful in Bahrain on being honoured as “Retakaful Company of the Year” at this year’s Middle East Insurance Industry Awards. A great recognition of your accomplishments!
2017-11-23 | Life Conference
Visit our stand (B22) at the Life Conference 2017 in Birmingham for a chat to see how we can help optimise your Solvency II capital position – and a chance to win a personalised Apple Watch in our Solvency II competition!
2017-11-13 | Artificial organs
In the November edition of "The Actuary" Hannover Re UK's Nay Wynn explores the implications artificial organs could have for transplants and insurance:
2017-11-06 | Obesity
Matthew Procter discusses how to handle the risk profile of individuals classified as “Metabolically Healthy Obese” in life underwriting:
2017-10-11 | Insurtech
Check out the top 10 quotes from this year's ITC conference in Las Vegas last week, including one from Hannover Re's Tony Laudato:
2017-10-10 | Cancer
Stuart Crichton discusses the exciting potentials of immunotherapy in cancer treatment and the implications for the life insurance industry:
2017-09-15 | Disability
Dershnee Devan introduces Project Douleur, Hannover Re’s successful approach to keeping long-term disability claims in check in South Africa:
2017-07-20 | Financial Solutions
Rebecca Wilczak discusses return on capital enhancement opportunities for the life insurance industry in the latest edition of SOA Reinsurance News:
2017-07-10 | Genomic data
Nico van Zyl discusses how life insurers can engage with and harness the data from personal genomic testing in a way that benefits the consumer and the industry in a prudent and ethical manner: