Ethics and Insurance

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Is Adverse Selection being Replaced by Inverse Selection?
Analysis 4 min read

Is Adverse Selection being Replaced by Inverse Selection?

Insurers have long been concerned about adverse selection. They see today’s data and analytics as helping them reduce their exposure to it. Yet that explosion of data and analytics could not just reduce adverse selection, but flip it over, creating what is being called inverse selection.…
Duncan Minty
Duncan Minty
Is Open Data Compatible with Insurance?
Analysis 4 min read

Is Open Data Compatible with Insurance?

There’s a lot of upbeat talk about how open data could revolutionise insurance. The seamless exchange of data and cover seems so simple. Yet dig around a bit and contradictions emerge. Are the principles of open data and insurance underwriting sufficiently in sync? It’s an open question.…
Duncan Minty
Duncan Minty
Are Regulators Sitting on an Algorithmic Fence?
Data Ethics 3 min read

Are Regulators Sitting on an Algorithmic Fence?

A key question for insurers over the next 5 years will be how regulators handle the issues raised by their increasing use of algorithms. The message being signalled in a recent paper by the Digital Regulation Cooperation Forum is clear. And the position they’re taking will be an uncomfortable one.…
Duncan Minty
Duncan Minty
Machine Unlearning - a New Digital Capability for Insurers
Data Ethics 4 min read

Machine Unlearning - a New Digital Capability for Insurers

Some serious exposures are looming on insurers’ reputational horizons. Most stem from how their digital technologies have been configured. If any of those exposures are realised, insurers will have to both delete ‘bad data’ and remove its influence on their models. It’s called machine unlearning…
Duncan Minty
Duncan Minty
Could the Ethnicity Penalty Trigger Something Very Big?
Discrimination 5 min read

Could the Ethnicity Penalty Trigger Something Very Big?

We’re living in a period of digital transformation. And one of those key areas of transformation is in the law. How do we make our laws fit for a digital future? Insurers have an interest in this on several levels, but in this analysis piece, I’m going to focus on this from a compliance angle.…
Duncan Minty
Duncan Minty
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