Our Perspective

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  Why Do Some People Survive to Age 100? - An Actuary’s Perspective

  By Beata Puls |May 29, 2019|English | Deutsch

  Developing reliable life tables is one of the most important objectives for life insurance companies. Mortality rates for single ages are usually very small numbers and we need a rather large sample size to obtain reliable estimates. Otherwise, they...

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  Small Changes, Big Impact - How Behavioral Economics Can Improve Life Insurance Application Medical Condition Disclosures

  By Heidi Alpren |May 20, 2019|English

  Small changes can sometimes have a big impact. This is particularly true in the realm of Behavioral Economics. At its core, Behavioral Economics (BE) challenges the traditional economic theory that individuals are sound and rational (“slow”)...

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  Are Centenarians Different - or Just Lucky?

  By Jean-Marc Fix |May 10, 2019|English

  Centenarians are rare, but they are among the fastest growing population segments in the U.S. and throughout the developed world - and what is rare is special. But why are they special? Unfortunately, we humans are better at rationalizing than at rational...

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• To Be or Not to Be Digital - That Is the Question in Australia and New Zealand

  By Rob Frank|April 16, 2019|English

  Life and Health insurers in Australia and New Zealand are ready to take their next big step in using Behavioural Economics (BE) to improve loss duration. BE is about increasing interactions with customers and trying to encourage changes in behaviour,...

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  Mixed Martial Arts - A Controversial Combat Sport

  By Claudia Breuer |April 09, 2019|English | Deutsch

  The risks associated with the practice of mixed martial arts (MMA) should always be assessed with a high level of attention. The practice of this sport, however, does not yet say everything about the risk potential. Mixed martial arts is a controversial...

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• Collaboration Can Bring Digital Innovation to Life Insurance

  By Ross Campbell |March 25, 2019|English | Deutsch

  There is a view that the life insurance business needs to change or to innovate in order to remain relevant and reach new customers; if incumbent players don’t make an environment that appeals to new customers, someone else will step in and do...

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