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Duncan Minty

Duncan Minty

Duncan has been researching and writing about ethics in insurance for over 20 years. As a Chartered Insurance Practitioner, he combines market knowledge with a strong and independent radar on ethics.
559 posts •
Duncan Minty
Underwriting • 3 min read

FCA questioned on Financial Inclusion

The UK regulator shared its thinking on financial inclusion with Parliament’s Treasury Committee recently. It was clear that they recognised the issue, but also that they didn’t understand, in terms of insurance, what was behind it.…
Duncan Minty
Duncan Minty •
Could Financial Inclusion be at a Turning Point? public
Regulation • 9 min read

Could Financial Inclusion be at a Turning Point?

Pressure is being put on the UK Government to raise the attention that the regulator gives to financial inclusion. Not many of you will realise that, at the moment, such attention is pretty discretionary. Will this pressure succeed? And if it does, what repercussions could this have for insurers?…
Duncan Minty
Duncan Minty •
Using Protected Activities to Manage Reputational Risk public
Ethical Risks • 5 min read

Using Protected Activities to Manage Reputational Risk

Protected activities could be a useful tool for insurers to manage their most significant ethical risks. And they signal to key audiences that the insurer’s commitments around those risks are being taken particularly seriously. So how do they work and how can they make a difference?…
Duncan Minty
Duncan Minty •
Underwriting • 4 min read

Are Expectations for Automated Underwriting Realistic?

A Swiss Re executive wrote an interesting article this month on the automation of life and health underwriting. The article sets out the expectations firms like Swiss Re have for automation, but is surprisingly quiet on the hurdles it still needs to address for those expectations to be realised.…
Duncan Minty
Duncan Minty •
Data Ethics • 2 min read

RGA’s Data and Analytics Ethics Framework

The US reinsurer RGA has recently introduced a Data and Analytics Ethics Framework. It’s worth a look, but with a critical eye, for it seems clear about what the reinsurer wants to address , but unclear about how it’s going to go about doing that.…
Duncan Minty
Duncan Minty •
Data Ethics • 3 min read

Admiral is looking for a Data Ethics Analyst

Admiral is looking to recruit a data ethics analyst. It’s a new role, located within their ‘Group Data Protection and Privacy’ function. It’s an opportune moment to create such a role, given the ethical risks that insurers are facing from data and analytics. So what does it involve?…
Duncan Minty
Duncan Minty •
Explaining the Fairness of a Particular Rating Factor public
Fairness • 7 min read

Explaining the Fairness of a Particular Rating Factor

How would you explain the fairness of using a particular rating factor? You can’t rely on just statistics anymore. While the super-complaint tied fairness to the overall premium, now long running challenges to certain rating factors are re-emerging. Underwriters need to prepare for this.…
Duncan Minty
Duncan Minty •
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