Life & Health

Years pass before medical advances influence insurance decisions, but computational clinical modeling accelerates evidence-based risk management.

Customer acquisition costs have surged 222%, and one poor claims experience can destroy trust and trigger churn.

ITL FOCUS is a monthly initiative featuring topics related to innovation in risk management and insurance.

Hyper-personalization is revolutionizing life insurance as carriers tailor applications, products and pricing to individual customer and agent preferences.

(Re)insurers must watch out for AI-related risks, geoeconomic confrontation, unsettled regulatory and legal environments, technological acceleration, and global inflation shocks. 

Despite escalating cyber incidents, insurance policies remain stable as industry emphasis moves from availability to understanding coverage.

As premiums surge and AI transforms operations, insurers must prioritize transparent communication to rebuild eroding customer trust.

Strong earnings forecast through 2027 gives life-annuity insurers opportunity to adapt strategy, not just enjoy conditions.