Physician performs thyroid exam
Articles January 2021
Assessing Differentiated Thyroid Cancers and Variants
Dr. Radhika Counsell, Consulting Medical Officer, offers a deep dive into differentiated thyroid cancers and discusses this topic in the context of critical illness claims assessment in ReFlections Read More
Mitocondrial illustration
Articles January 2021
The Monoclonal Antibody Revolution – What Insurers Need to Know
ReFlections editor Dr. Daniel D. Zimmerman, Senior Vice President, Head of Global Medical, reviews therapeutic monoclonal antibodies, which are rapidly growing in importance for a multitude of disorders for both prevention and treatment. Read More
Illustration of monocolonal antibodies
Publications January 2021
ReFlections Volume 52, January 2021
Examine emerging trends in COVID-19 and claims considerations, differentiated thyroid cancers, monoclonal antibodies, and more. 
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Digital banking with individual opening a bank account online
Articles December 2020
Digital Transformations in Bancassurance During the COVID-19 Pandemic
Long before the pandemic closed bank doors, consumers were digitizing day-to-day financial activities and many banks were pruning branches. The pandemic has only accelerated this process. 69É«ÇéƬ's Leigh Allen and Eva Goldstein examine the implications of this digitization ... Read More
Graphic of doctor holding world circled by covid-19 molecules
Research and White Papers December 2020
COVID-19 Mortality by Age, Gender, Ethnicity, Obesity, and Other Risk Factors: A Comparison Against All-Cause Mortality

How much do different factors influence COVID-19 mortality risk versus all-cause mortality risk? 69É«ÇéƬ’s Global Data Insights team set out to answer this question through a thorough analysis and comparison of COVID-19 and all-cause mortality ri...

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Lab in Asia
Research and White Papers December 2020
Western Lifestyle, Global Problem: Rising Rates of Cancer in the Young
Research suggests that the cause of rising incidence rates of cancer in adolescents and young adults relate to the increasing prevalence of obesity, the consumption of a Westernized diet, and leading a sedentary lifestyle. A focus on lifestyle and dietary habits of... Read More
Silhouette of dispairing woman
Articles December 2020
Global Claims Views: Suicide Prevention Initiatives Update

The coronavirus pandemic and resulting lockdown restrictions have had a corrosive effect on mental health around the world; insurers can be part of the solution, and in

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Isolated mask-wearing woman
Articles December 2020
Emerging Trends Shaping the Future of Health and Wellness Part III: Mental Health

The current crisis has only exacerbated these health issues. As a result, coverage for mental and behavioral health tools, previously an afterthought, are now seen as critical elements of business continuity plans.

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Double exposure chart featuring computer
Research and White Papers December 2020
Broker Survey: Healthcare Turnkey 69É«ÇéƬ for Providers – 2020 Summary of Results
69É«ÇéƬ's 2020 survey of key brokerage firms reaffirms that to succeed in entering the self-funded market, providers can benefit from a strategic partner to help with distribution support, as well as a comprehensive package of services. Read More
Articles December 2020
Mortality Experience of Diabetes

Is diabetes more deadly for women and the young? Recent research, jointly undertaken by 69É«ÇéƬ and MIB, examines mortality and morbidity indicators for diabetics based, for the first time, on both MIB’s impairment records and 69É«ÇéƬ’s prescription drug history information....

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Single traveler in an airport
Articles December 2020
Traveling Again? Assessing Foreign Travel Risk in a Rapidly Changing World

It can be difficult to remember a time when tourists did not find themselves confronting a maze of mandatory quarantine requirements, cancelled flights, and closed borders. And yet, like all pandemics, COVID-19’s grip on the globe will ease, restrictions will end, fo...

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Covid outbreak map
Articles December 2020
COVID-19 Risk and Insurance Consumers
What can studies tell us about the public’s perception of COVID-19 risk, and how can this information help insurers understand consumer mindsets and needs? Should communicators use shock tactics such as fear appeals to help people gain an appropriate understanding of ri... Read More
Videos December 2020
Evolution of the Consumer Purchase Journey: Will Insurance Distribution Bounce Back or ‘Bounce Forward’ in Response to COVID-19?

The impacts of COVID-19 are still being felt across the globe – in volatile financial markets, among consumers, and in our personal lives. While insurers, regulators, and governments continue to focus on the downside financial risks caused by the pandemic, COVID-19’s...

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Individual of consumers making a digital purchase
Articles December 2020
Selling Personal Insurance 100% Online: Six Keys to Success from Spain

Could an evolution in insurance distribution be on the horizon? Resistance to online purchasing has been a persistent challenge for insurers, but signs indicate the COVID-19 pandemic may be shifting consumer attitudes, even as it disrupts lifestyles.

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Red covid molecules
Articles December 2020
COVID-19 Brief: Risk assessment considerations of people living with HIV (PLWH) during the pandemic - Part II
Are people living with HIV (PLWH) at risk of poorer COVID-19 disease outcomes than the general population? 69É«ÇéƬ's Dr. Summer Zhu provides an overview of three noteworthy reports focusing on how COVID-19 interacts with HIV. Read More
Articles December 2020
Is Knowledge Power or Ignorance Bliss? Information, Behavior, and COVID-19
How do people decide what they want or need to know? Why do people seek, ignore, or even actively avoid certain information? How does information feed knowledge that can change behavior?

These questions have all been made more pertinent and urgent by the pandemi... Read More
Image of the philosopher Socrates thinking
Videos December 2020
Is Knowledge Power? Why We Seek the Information We Do and How that Changes Behavior

Curious about 69É«ÇéƬ's behavioral science expertise?   Contact us to learn more. 

The impacts of COVID-19 are s...

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Doctor analysis of wheelchair bound patient
Articles December 2020
COVID-19 Brief: Change and Continuity in U.S. Disability Claims
How is COVID-19 affecting U.S. group disability claims? A series of polls conducted at 69É«ÇéƬ’s 26th annual Disability Claim Leaders Forum offers intriguing insights into how 18 major group disability carriers are approaching challenges wrought by the pandemic, from claims... Read More
Digital percent with financial ticker
Articles December 2020
Coinsurance in Japan: A Potential Solution to Current Market Challenges
Toyotaro Niino of 69É«ÇéƬ Japan takes a closer look at the use of coinsurance as a potential protection solution for carriers of foreign currency-denominated single premium savings products in Japan – a strategy that may offer insights for insurers facing similar challenges... Read More
Busy street scene overhead
Articles November 2020
A New View of Life Insurance? Voices of Hong Kong Consumers amid the Pandemic
Attitudes and priorities of Hong Kong consumers have changed amid social isolation and a slowing economy due to the COVID-19 pandemic, offering a valuable view of a changing global reality. According to 69É«ÇéƬ's Wesley Wu, these trends seem likely to continue to present ne... Read More