Please enter at least 3 characters

Underwriting

Underwriting is becoming much more sophisticated. It's a transformation opening up opportunities like never before. It's also encountering challenges like never before, and as we saw with price walking, the impact can be immense. These posts give you an independent perspective on such developments.
160 posts
Underwriting
The Two Unknowns Forming Around the Ethnicity Penalty public
Discrimination • 4 min read

The Two Unknowns Forming Around the Ethnicity Penalty

Two unknowns are forming around the ethnicity penalty research at the moment. Insurers, consumer groups and trade bodies are talking about one of them. The other is not being mentioned. In this analysis piece, I’m going to explore both and what insurers can do in relation to each of them.…
Duncan Minty
Duncan Minty •
What the EHRC’s New Strategy Means for Insurers public
Discrimination • 4 min read

What the EHRC’s New Strategy Means for Insurers

Around the same time as Citizens Advice published its report on the ethnicity penalty, the Equalities and Human Rights Commission published its strategy for 2022-2025. It’s worthwhile taking a look at, for it will shape the EHRC’s response to this whole issue of discriminatory pricing.…
Duncan Minty
Duncan Minty •
Controls for Insurers' Use of Social Media Data public
Underwriting • 5 min read

Controls for Insurers' Use of Social Media Data

Insurers have been interested in social media data for some years now. This caught the public’s eye in 2016 when Admiral launched and then immediately withdrew a motor product influenced by what you did on Facebook. What controls should insurers have, to make sure such situations aren’t repeated?…
Duncan Minty
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 •
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 •
Great! You’ve successfully signed up.
Welcome back! You've successfully signed in.
You've successfully subscribed to Ethics and Insurance.
Your link has expired.
Success! Check your email for magic link to sign-in.
Success! Your billing info has been updated.
Your billing was not updated.