Crowded city street full of people with coats on
Research and White Papers November 2024
US Population All-Cause Mortality Report

69É«ÇéƬ has created an featuring an in-depth analysis of US population mortality in the wake of COVID-19. As a central component of th...

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Person wearing red boots in standing water
Articles November 2024
69É«ÇéƬ Brief: Four considerations for mortality following natural disasters

Although natural disasters are typically viewed as property and casualty insurance issues, some studies suggest their long-term health impacts may deserve greater attention from life and health insurers. The potential lingering effects necessitate a holistic approach...

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Hispanic woman in Latin America
Articles November 2024
Inside the Emerging Insurance Opportunity in Latin America

Latin America is emerging as an attractive growth area for insurers. Though there are challenges, tested solutions provide lessons for those looking to introduce new products in the region. 

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Red Adirondack chair on a dock looking over a lake
Publications October 2024
ReFlections Volume 63, October 2024

Explore in-depth articles on important medical topics and stay up to date on a range of hot-button issues impacting life and health insurers, from the health impacts of Bisphenol A (BPA) to considerations around GLP-1 drugs.

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A woman in a red sweater sits at a table with her team
Articles October 2024
From Data to Decision: How AI-enhanced workflows transform underwriting efficiency

Get an inside look at how 69É«ÇéƬ is harnessing the power of AI-enhanced underwriting workflows, integrating tools like DigitalOwl with rich data sources and proven expertise to transform risk assessments with remarkable efficiency and accuracy. 

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Rugby players in a scrum.
Articles October 2024
A Gray Matter: The challenge of identifying and insuring those with long-term brain injuries

Debilitating symptoms from brain injuries can emerge well after the initial incident. This presents challenges for insurers.

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Woman in red blazer looking at computer
Articles October 2024
Quantifying the Early Underwriting Efficiencies Gained by DigitalOwl’s APS Summaries

Through a rigorous matched cross-over study, 69É«ÇéƬ validated the substantial time-saving potential of DigitalOwl's AI-powered attending physician statement summaries for underwriting, with even greater efficiencies observed for complex, high page count cases.

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An African American woman leans forward in her chair during a group therapy session
Articles October 2024
69É«ÇéƬ Study: The connection between mental health disorders and all-cause mortality

In a new study using a dataset of 9.2 million individuals, 69É«ÇéƬ employed advanced statistical modeling to examine the elevated mortality risks associated with anxiety, depression, and bipolar disorder, offering insurers valuable insights as they underwrite and develop...

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Computer server room with a red server
Research and White Papers October 2024
How Insurers Combat the Complexities and Challenges of Fraud

Fraud is a lingering concern for US life insurance carriers, presenting a myriad of challenges. Through the 2024 US Life Insurance Fraud Survey, conducted by 69É«ÇéƬ and MIB, 25 carriers shared their pain points, and detection and prevention practices. The resulting insi...

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Man and woman doing pushups outside
Articles October 2024
Weight Off Your Mind: The metabolic mental health connection

Growing evidence links metabolic syndrome and psychiatric conditions. Dual-purpose treatments can enable insurers to provide more targeted and effective solutions, potentially reducing long-term costs associated with chronic comorbidities.

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Asian woman holding mom's hand in hospital bed.
Articles October 2024
Insights from Japan on Comprehensive Cancer Coverage

As medical advances promise to revolutionize cancer detection and treatment, Japan’s experience with comprehensive cancer coverage may offer insights into the opportunities and challenges in other markets.

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Large computer server room
Articles October 2024
GenAI in Insurance Update: Q4 2024

AI expert Jeff Heaton presents his quarterly update of recent technological advances and outlines their relevance to the insurance industry. In this installment: a look at different AI model types and how to evaluate them. Have a question or comment for Jeff?

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An older father in a red sweater cooks in the kitchen with his son, who wears an apron.
Articles October 2024
Revisiting UK Mortality Projections: The challenges of modeling future old age mortality
This mortality analysis of UK residents aged 50-70 is another effort by 69É«ÇéƬ actuaries to study the UK Continuous Mortality Investigation (CMI) Mortality Projections Model and share insights on its calibration. Read More
Woman looking through microscope
Articles October 2024
Antimicrobial Resistance (AMR): An update

At a high-level UN meeting on September 26, 2024, global leaders committed to a set of targets and actions to combat Antimicrobial resistance (AMR), which is associated with approximately 5 million deaths each year. In this follow-up to her

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red alcoholic drink with marijuana
Articles September 2024
Alcohol, Marijuana, and Their Complex Impact on Life and AD&D Claims

The claims process can be complicated, but alcohol and marijuana add a new layer of complexity for insurers. This is particularly true for marijuana, for which laws, testing standards, and claims processing are less mature. Carriers must consider several factors amid...

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Personal presenting data
Articles September 2024
An Actuary’s Perspective: Unlocking the power of structured underwriting data

Advanced digital tools strengthened by artificial intelligence are providing actuaries with the structured data they need to create more precise risk assessment models.

Next: Revolut...

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Woman in red shirt using computer artificial intelligence
Articles September 2024
GenAI and Insurance: What OpenAI’s o1 ‘reasoning’ model could mean for insurers

The latest update to ChatGPT brings reasoning capabilities that make it more useful to insurers and reduces one of the main risks of generative artificial intelligence (GenAI) – hallucinations. 

...

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Older man on London Tube
Research and White Papers September 2024
New UK Biobank Mortality Study Asks: What are the keys to a longer life?

A collaborative research project between 69É«ÇéƬ and the University of Leicester in the UK revealed that non-traditional risk factors allow for a more informed biometric risk assessment.

Future research reports will provide a detailed analysis of new and establishe...

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Two larger people - a woman and man - exercise outdoors on a forest path
Articles September 2024
Outpacing Obesity: 69É«ÇéƬ study highlights exercise’s importance for reducing all-cause mortality

This article - featuring exclusive 69É«ÇéƬ research - dives into the mortality impacts of exercise on an obese population to better understand the effects of different levels of exercise and intensity across various age groups. It also compares the mortality experience o...

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Woman watching a webinar on a laptop
Research and White Papers September 2024
69É«ÇéƬ Fraud Conference 2024 Session Highlights

During 69É«ÇéƬ’s 11th annual fraud conference, industry insiders provided their valuable insights into this persistent concern. This article offers a summary of the virtual event, with key insights and top action items from each session, designed to empower the insurance...

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