Driven by the desire to act fairly toward policyholders as health deteriorates with age, we have developed a business model where we underwrite someone just once at the outset of the policy. 

Do we miss the opportunity to assess more accurately modifiable risks over time, price our products more fairly and allow those who take positive action to improve their health to benefit directly from their efforts.

Does it make sense that we assess health only once during the policy lifetime given the impact individuals have on their health from decisions they make about their diet, exercise and lifestyle?

Speaker:Alan Martin, Swiss Re