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Ethics and Insurance

I help insurers achieve greater certainty on ethical issues, both present and emerging. I have a reputation for foresight, pragmatism and independent thinking, particularly around data ethics. You can keep in touch with my analysis through my free weekly ‘Ethics and Insurance’ newsletter. Join below
Ethics and Insurance
What I do

Insight

I help insurers understand developments in insurance from an ethical perspective and the options open to them. My analysis delivers an extra level of understanding from an independent perspective
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Critical Friend

Insurers face some ethical challenges at the moment – I’ve been tracking them for several years. My role as a critical friend helps them to reality check their thinking and turn a situation into a plan.
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Horizon Scanning

I’ve been an influential figure in analysing the implications of digital insurance for several years now. Through workshops and research, my ethics radar highlights the problems and opportunities to look out for.
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Latest posts
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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 •
• 1 min read

Exploring New Ideas in Insurance

The Insurance Law Center at the University of Connecticut is offering a series of talks on new ideas in insurance. These talks are covering a wider range of topics and while often relatively scholarly, they offer a deep dive into a topic that often has wider implications than you might think.…
Duncan Minty
Duncan Minty •
Accountability • 3 min read

How Good is the Swiss Digital Trust Label?

Swiss Re announced recently that its Magnum Go underwriting engine has been awarded the Swiss Digital Trust Label. It sounded impressive so I went to find out more about this label, through local contacts and online resources. What I found wasn’t quite as good as Swiss Re would like to think.…
Duncan Minty
Duncan Minty •
Checking Ethical Culture – Over-Optimism public
Ethical Culture • 2 min read

Checking Ethical Culture – Over-Optimism

Ethical culture is influenced by patterns of behaviour. One pattern that firms want to support is optimism – it helps drive teams forward. At the same time, it also needs to be managed. If left unchecked, over-optimism can introduce ethical risk.…
Duncan Minty
Duncan Minty •
Personalisation • 2 min read

Life and Motor Underwriting Start to Converge

Policyholders of US insurer John Hancock who have an Allstate Drivewise policy can now earn Vitality points on their life insurance for safe driving. It works in a rather analogue way at the moment, but it confirms a trend towards how you drive influencing the price and scope of your life cover.…
Duncan Minty
Duncan Minty •
The Big Ethical Challenge for Insurers in 2022 public
Data Ethics • 6 min read

The Big Ethical Challenge for Insurers in 2022

Insurers should move on from their recent focus on resilience and concentrate on adaptability. Social trends, market trends and regulatory trends all point to a flexibility to adapt mattering most. Insurers need to reflect this in their strategies, systems and continuity plans.…
Duncan Minty
Duncan Minty •
Review - The Tyranny of Merit public
Fairness • 3 min read

Review - The Tyranny of Merit

The fairness of merit is at the heart of the digital revolution happening in insurance at the moment. While not about insurance, this book delivers some important insights into key questions about the future of insurance and its relations with society.…
Duncan Minty
Duncan Minty •
Explore topics
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Data Ethics

Data Ethics

204+
Underwriting

Underwriting

148+
Regulation

Regulation

84+
Fairness

Fairness

82+
Accountability

Accountability

81+
Personalisation

Personalisation

71+
Discrimination

Discrimination

65+
Claims

Claims

50+
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