Srivathsan Karanai Margan

Baby Boomers are suffering from a catastrophic shift of pension risks from institutions to individuals, because of a misunderstanding of behavioral steering. 

The insurance industry is shifting from traditional actuarial models to incorporate behavioral data in risk assessment practices. The implications are enormous.

Proponents rave that embedded insurance benefits the insurer, third parties and customers, but we should temper the hype--without spoiling the enthusiasm.