Case Studies

Insuring Healthy Futures: Technical Report

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Insurance comprises the art and science of risk prediction and taking risk. Life and health insurance companies have traditionally assessed risk at the point of policy issue, based on declared and tested policyholder risk profiles, allowing for an expected deterioration in these risk factors as policies and policyholders age. This practically means that the price of insurance is set up front and typically does not change throughout the duration of the insurance contract based on factors within a policyholder’s control.

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