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\"><style>#nxe-n2afjy1i.nxe{display:block;box-sizing:border-box;max-width:1180px;margin:0 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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n2afjy1i.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"fieldmap\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A01 \u00b7 TOPIC \u00b7 health-and-life-insurance<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Insurance Nexus<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Established<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Insurance Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Health and life insurance<\/h1><p class=\"nx-tagline\">Health and life insurance carry the risks of illness, disability, death and living longer than savings last. They sit beside social insurance and public health systems, and the boundary between private and public cover differs in every country. This page sets out how mortality, morbidity, longevity and pandemic risk develop, how they are measured, and which institutions decide what is covered, reserved and protected.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-stage\" data-lv-fill=\"map\" data-lv-id=\"hazard\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"gulf-coast:health\" data-ml-src=\"health\" data-ml-plan=\"p-a32dc81c\"><div class=\"nx-wm\" data-nx-water=\"ctx-health\" data-wm-domain=\"ctx-health\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"-98,24,-80,33\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"Environmental exposure, the Gulf of Mexico coast: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl,people||||\" aria-pressed=\"false\">Lights and people<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"people||||\" aria-pressed=\"false\">Population<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl||||\" aria-pressed=\"false\">Night lights<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood||||\" aria-pressed=\"false\">Floods this week<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">2<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">Environmental exposure, for this page<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Population density\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-short=\"Night lights\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"flood\" aria-pressed=\"false\" data-wm-z=\"22\" data-wm-lag=\"0\" data-wm-short=\"Flood water\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite detection; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Flood water, 3-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS Global Flood Product \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"flood\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"lstd\" aria-pressed=\"false\" data-wm-z=\"23\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Land temperature, day\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite 8-day composite; persistent cloud still leaves gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land surface temperature, day, 8-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Level 3, 8-day \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"lstd\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"aod\" aria-pressed=\"false\" data-wm-z=\"24\" data-wm-lag=\"1\" data-wm-op=\"0.8\" data-wm-short=\"Haze (aerosol)\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite retrieval; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Aerosol optical depth, daily<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Deep Blue AOD \u00b7 <span data-wm-date=\"aod\">13 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"aod\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"true\" aria-pressed=\"false\" data-wm-z=\"25\" data-wm-lag=\"1\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite image\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">True colour<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 corrected reflectance \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"true\" hidden><\/div><\/div><\/div><\/div><div class=\"nx-wm-rail\" role=\"toolbar\" aria-orientation=\"vertical\" aria-label=\"Map controls\"><button type=\"button\" class=\"nx-wm-icon nx-wm-open\" data-wm-act=\"panel\" aria-controls=\"nx-wm-panel\" aria-expanded=\"false\" aria-label=\"Layers\" title=\"Layers\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 2.5l-6.5 3.5 6.5 3.5 6.5-3.5zm-6.5 6.5 6.5 3.5 6.5-3.5m-13 2.8 6.5 3.5 6.5-3.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"tools\" aria-controls=\"nx-wm-menu\" aria-expanded=\"false\" aria-label=\"Expert tools\" title=\"Expert tools\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 4.5l10 0m-10 3.5 10 0m-10 3.5 10 0m-7.5-8.5 0 3m5 .5 0 3m-3.5.5 0 3\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><span class=\"nx-wm-sep\" aria-hidden=\"true\"><\/span><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"in\" aria-label=\"Zoom in\" title=\"Zoom in\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 3v10M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"out\" aria-label=\"Zoom out\" title=\"Zoom out\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"reset\" aria-label=\"Reset the view\" title=\"Reset the view\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.2 8a4.8 4.8 0 1 0 1.5-3.5M3.2 2.6v2.6h2.6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"full\" aria-label=\"Full screen\" title=\"Full screen\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M2.5 6l0-3.5 3.5 0m7.5 3.5 0-3.5-3.5 0m-7.5 7.5 0 3.5 3.5 0m7.5-3.5 0 3.5-3.5 0\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-menu\" id=\"nx-wm-menu\" role=\"menu\" aria-label=\"Expert tools\" hidden><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"inspect\">Inspect a point<kbd>I<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"measure\">Measure distance<kbd>M<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"compare\">Compare two dates<kbd>C<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"share\">Copy a link to this view<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"png\">Export as PNG with credits<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"xt\" data-wm-xt=\"6oPh6EhWj+gDMzpLLT8H\/wVfxJakWdyAB8snze2Nado=\">More expert tools<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"keys\">Keyboard shortcuts<kbd>?<\/kbd><\/button><\/div><div class=\"nx-wm-keys\" role=\"dialog\" aria-label=\"Keyboard shortcuts\" hidden><p class=\"nx-wm-keys-title\">Keyboard, with the map focused<\/p><dl class=\"nx-wm-keys-list\"><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div class=\"nx-wm-pin-head\"><p class=\"nx-wm-pin-title\"><\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"unpin\" aria-label=\"Close the card\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-pin-chart\"><\/div><div class=\"nx-wm-pin-body\"><\/div><\/div><div class=\"nx-wm-dock\"><div class=\"nx-wm-time\" role=\"group\" aria-label=\"Imagery date\"><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"prev\" aria-label=\"One day earlier\">\u2039<\/button><p class=\"nx-wm-time-label\">Latest available<\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"next\" aria-label=\"One day later\">\u203a<\/button><span class=\"nx-wm-track\" role=\"slider\" tabindex=\"0\" aria-label=\"Imagery date, up to 30 days back\"><\/span><button type=\"button\" class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Blue Marble (NASA) \u00b7 \u00a9 OpenStreetMap contributors (ODbL) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>For health and life insurance, in GRA's spatial-finance reading, the map opens on population density and night lights with built-up and settlement extent from NASA GIBS, framed on the Gulf of Mexico coast; every other NASA layer, live feed and forecast waits in the layer list.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date; indicators, not assessments of any place; claim ceiling INTEGRATED.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Blue Marble \u00b7 \u00a9 OpenStreetMap contributors \u00b7 Natural Earth \u00b7 GDACS \u00b7 CIESIN\/Columbia, NASA SEDAC HBASE<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\" target=\"_blank\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.modis-viirs.atmosphere\">MODIS and VIIRS atmosphere products, NASA LANCE and LAADS DAAC; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\" target=\"_blank\">Public domain<\/a><\/li><li data-wm-credit=\"nasa.gibs.reference-osm\">\u00a9 OpenStreetMap contributors (ODbL), via NASA GIBS (coastlines, boundaries, roads and place names). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\" target=\"_blank\">ODbL<\/a><\/li><li data-wm-credit=\"nasa.earth-observatory.blue-marble\">Blue Marble, NASA Earth Observatory; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li>Context on the globe and flat map: coastlines, boundaries, roads and place names from NASA GIBS reference layers (OpenStreetMap data, ODbL, \u00a9 OpenStreetMap contributors); Blue Marble imagery as an optional base; 3D terrain and the elevation read-out from the ASTER GDEM elevation colour index (5 m to 200 m classes, exaggerated for legibility). Boundaries are drawn as published and imply no position on any territory.<\/li><li>Globe: MapLibre GL JS 6.9.1, BSD-3-Clause, \u00a9 MapLibre contributors.<\/li><li>Live: GDACS (EC JRC \/ UN OCHA) Events are indicative, not official warnings.<\/li><li>Context: CIESIN\/Columbia, NASA SEDAC HBASE. Center for International Earth Science Information Network (CIESIN), Columbia University, and NASA Socioeconomic Data and Applications Center (SEDAC): Global Human Built-up And Settlement Extent (HBASE) 2010; Seto, Guneralp and Hutyra 2012, Global Grid of Probabilities of Urban Expansion to 2030; Global Urban Heat Island (UHI) Data Set, 2013.<\/li><li>Optional layers (35 sources in the layer list: live, forecast, observed and context) print their provider credit on the map and here when switched on; forecasts are model output and derived indices are estimates.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, CC BY 4.0 \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Flood water, 3-day composite: VIIRS Global Flood Product, NASA LANCE \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/li><li>Land surface temperature, day, 8-day composite: VIIRS NOAA-20 Level 3, 8-day, NASA LANCE \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/li><li>Aerosol optical depth, daily: VIIRS NOAA-20 Deep Blue AOD, NASA LANCE \u00b7 <span data-wm-date=\"aod\">13 Oct 2026<\/span><\/li><li>True colour: VIIRS NOAA-20 corrected reflectance, NASA LANCE \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A01\/topics\/health-and-life-insurance\/#map\" data-nxf-title=\"Insurance Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-s-3-sec\"><span>02<\/span>Underwriting and claims console, in\u2026<\/a><a href=\"#nx-sec-question\"><span>03<\/span>Health and life insurance: how the\u2026<\/a><a href=\"#nx-sec-terms\"><span>04<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>05<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>06<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>07<\/span>Where the evidence comes from<\/a><a href=\"#nx-sec-decisions\"><span>08<\/span>Who decides, and what the evidence\u2026<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Health and life insurance risk is the uncertainty in illness, disability and death and in how long people live after their savings start paying out. It covers longevity trends, medical cost growth, morbidity and pandemic shocks, and it sits beside social insurance and public health systems whose boundary with private cover differs in every country.<\/p><\/div><\/div><\/section><section id=\"nx-s-3-sec\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Console<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Underwriting and claims console, in outline.<\/h2><p class=\"nx-lede\">The working screen behind this subject: its structure, terms and states. Names are placeholders and values illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-insurance-underwriting\" data-cx=\"insurance.underwriting\" data-variant=\"section\" aria-label=\"Underwriting and claims console: illustrative console with placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Underwriting and claims console<\/h3><p class=\"nx-fk-sub\">Health and life insurance \u00b7 Insurer Alpha \u00b7 Quarter 2<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure's values<\/small><\/button><\/li><\/ul><\/div><\/div><ul class=\"nx-fk-kpis\" data-n=\"4\"><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Combined ratio, % of NEP<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k0\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">102<\/span><span class=\"nx-fk-kpi-d\" data-dir=\"up\" data-good=\"na\">2<\/span><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/div><div data-fk-view=\"spark:k0\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,7.9L10.2,10.2L18.4,9.5L26.5,12.7L34.7,14.4L42.9,14L51.1,15.7L59.3,16.7L67.5,19.5L75.6,20.6L83.8,23L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,7.9L10.2,10.2L18.4,9.5L26.5,12.7L34.7,14.4L42.9,14L51.1,15.7L59.3,16.7L67.5,19.5L75.6,20.6L83.8,23L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Solvency ratio, % of SCR<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k1\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">152<\/span><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Normal<\/span><\/div><div data-fk-view=\"spark:k1\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,19.4L10.2,23L18.4,21.5L26.5,16L34.7,18.2L42.9,17.5L51.1,17.6L59.3,17L67.5,11.9L75.6,9.5L83.8,3L92,5L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,19.4L10.2,23L18.4,21.5L26.5,16L34.7,18.2L42.9,17.5L51.1,17.6L59.3,17L67.5,11.9L75.6,9.5L83.8,3L92,5\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"5\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Rate adequacy<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k2\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">1.04<\/span><span class=\"nx-fk-kpi-u\">index<\/span><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/div><div data-fk-view=\"spark:k2\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,23L10.2,14.9L18.4,13.5L26.5,19.3L34.7,14.7L42.9,7.5L51.1,3L59.3,7.7L67.5,12.7L75.6,9.6L83.8,5.7L92,10.3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,23L10.2,14.9L18.4,13.5L26.5,19.3L34.7,14.7L42.9,7.5L51.1,3L59.3,7.7L67.5,12.7L75.6,9.6L83.8,5.7L92,10.3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"10.3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Claims in 30 days, %<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k3\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">92<\/span><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Normal<\/span><\/div><div data-fk-view=\"spark:k3\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,23L10.2,18.2L18.4,10.3L26.5,4.1L34.7,8.5L42.9,11.2L51.1,3L59.3,12L67.5,3.1L75.6,12.1L83.8,17.4L92,15.7L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,23L10.2,18.2L18.4,10.3L26.5,4.1L34.7,8.5L42.9,11.2L51.1,3L59.3,12L67.5,3.1L75.6,12.1L83.8,17.4L92,15.7\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"15.7\" r=\"2.4\"\/><\/svg><\/div><\/li><\/ul><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Property book above appetite<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Insurance Nexus<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"4\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Lines of business<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-insurance-underwriting-t1\"><table class=\"nx-fk-table\" data-fk-table=\"cx-insurance-underwriting-t1\" aria-label=\"Lines of business\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Line<\/button><\/th><th scope=\"col\" data-col=\"c1\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">GWP (local m)<\/button><\/th><th scope=\"col\" data-col=\"c2\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Loss ratio (%)<\/button><\/th><th scope=\"col\" data-col=\"c3\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Rate change<\/button><\/th><th scope=\"col\" data-col=\"c4\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c4\">Appetite<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-insurance-underwriting:r1-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\" aria-current=\"true\" data-cur=\"true\"><td>Property, commercial<\/td><td data-num=\"true\" data-sv=\"202\">202<\/td><td data-num=\"true\" data-sv=\"65\">65<\/td><td data-sv=\"2.9019572427496314\">\u25b2 3<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>Above<\/span><\/td><\/tr><tr data-fk-key=\"cx-insurance-underwriting:r1-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Property, household<\/td><td data-num=\"true\" data-sv=\"218\">218<\/td><td data-num=\"true\" data-sv=\"66\">66<\/td><td data-sv=\"1.4506199024617672\">\u25b2 1<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Within<\/span><\/td><\/tr><tr data-fk-key=\"cx-insurance-underwriting:r1-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Motor<\/td><td data-num=\"true\" data-sv=\"161\">161<\/td><td data-num=\"true\" data-sv=\"62\">62<\/td><td data-sv=\"5.1230103825218976\">\u25b2 5<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Within<\/span><\/td><\/tr><tr data-fk-key=\"cx-insurance-underwriting:r1-3\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Health<\/td><td data-num=\"true\" data-sv=\"59\">59<\/td><td data-num=\"true\" data-sv=\"76\">76<\/td><td data-sv=\"7.0356844905763865\">\u25b2 7<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"2\" data-t=\"chart\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Loss ratio<\/h4><\/div><\/div><svg class=\"nx-fk-svg\" viewBox=\"0 0 460 210\" width=\"460\" height=\"210\" role=\"img\" aria-label=\"Loss ratio\" focusable=\"false\" tabindex=\"0\" preserveAspectRatio=\"xMidYMid meet\" data-fk-chart=\"cx-insurance-underwriting-c2\" data-fk-xs=\"lin,0,23,36,446\" data-fk-ys=\"lin,0,100,180,20\" data-fk-series=\"Actual|ink|l||0:47;1:42.2;2:42.2;3:39.1;4:33.7;5:37;6:31.9;7:27.4;8:23.8;9:28.4;10:23.3;11:28.7;12:28.2;13:27.6;14:30.6;15:35;16:29.9;17:30.2;18:29.9;19:24.5;20:23.5;21:26.9;22:29;23:25.2~Plan|acc|l||0:47;1:48.1;2:48.4;3:48.5;4:50.5;5:53.6;6:56.2;7:58.6;8:61.3;9:65;10:68.1;11:65.7;12:63.8;13:61.8;14:60.3;15:61.1;16:63;17:62.1;18:65.2;19:68.7;20:70.6;21:71.9;22:73.9;23:77.3\" data-nx-z=\"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\"><\/svg><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Underwriting and claims console: the screen's structure, terms and states for Health and life insurance.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"health\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Health and life insurance: how the risk develops.<\/h2><p class=\"nx-lede\">Social, health and longevity risk. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 22h14\"\/><path d=\"M5 2h14\"\/><path d=\"M17 22v-4.172a2 2 0 0 0-.586-1.414L12 12l-4.414 4.414A2 2 0 0 0 7 17.828V22\"\/><path d=\"M7 2v4.172a2 2 0 0 0 .586 1.414L12 12l4.414-4.414A2 2 0 0 0 17 6.172V2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Longevity trend risk<\/h3><p class=\"nx-p nx-mt-1\">Improvements in mortality accumulate over decades. A small misjudgement of the trend compounds across annuity and pension liabilities, and the error is recognised only slowly as experience emerges.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M19 14c1.49-1.46 3-3.21 3-5.5A5.5 5.5 0 0 0 16.5 3c-1.76 0-3 .5-4.5 2-1.5-1.5-2.74-2-4.5-2A5.5 5.5 0 0 0 2 8.5c0 2.3 1.5 4.05 3 5.5l7 7Z\"\/><path d=\"M3.22 12l6.28 0 .5-1 2 4.5 2-7 1.5 3.5 5.27 0\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Morbidity and medical cost<\/h3><p class=\"nx-p nx-mt-1\">Claims for illness and disability depend on incidence, recovery, treatment practice and the price of care. New therapies, ageing and changing diagnosis shift costs faster than tariffs and reserves adjust.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"4.5\" r=\"2.5\"\/><path d=\"m10.2 6.3-3.9 3.9\"\/><circle cx=\"4.5\" cy=\"12\" r=\"2.5\"\/><path d=\"M7 12h10\"\/><circle cx=\"19.5\" cy=\"12\" r=\"2.5\"\/><path d=\"m13.8 17.7 3.9-3.9\"\/><circle cx=\"12\" cy=\"19.5\" r=\"2.5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Pandemic shock<\/h3><p class=\"nx-p nx-mt-1\">A pandemic raises mortality and morbidity at once, disrupts care, and hits asset values and operations at the same time, so life, health, business interruption and investment risks become correlated.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Selection and the public boundary<\/h3><p class=\"nx-p nx-mt-1\">Voluntary cover attracts those who expect to claim; underwriting, waiting periods and pooling rules respond. Where public schemes withdraw or exclude, private cover meets demand it was not priced for.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Longevity risk<\/td><td data-label=\"Definition\">The risk that people live longer than assumed, so annuities and pensions pay out for longer than they were priced and reserved for.<\/td><\/tr><tr><td data-label=\"Term\">Mortality improvement<\/td><td data-label=\"Definition\">The rate at which death rates at each age fall over time, projected with improvement scales in pricing and reserving.<\/td><\/tr><tr><td data-label=\"Term\">Excess mortality<\/td><td data-label=\"Definition\">Deaths above the number expected from a baseline for the same period and population, used to measure the toll of pandemics and heatwaves.<\/td><\/tr><tr><td data-label=\"Term\">Morbidity<\/td><td data-label=\"Definition\">The incidence and duration of illness and disability in a population, which drive health, disability and critical illness claims.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"climate\" data-variant=\"stack\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Age-specific mortality rate<\/td><td data-label=\"Unit\">deaths per thousand lives exposed<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Civil registration and insured experience<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OBSERVED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Actual-to-expected mortality ratio<\/td><td data-label=\"Unit\">ratio<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Insurer experience studies<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Period life expectancy at stated age<\/td><td data-label=\"Unit\">years<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">National life tables<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Excess mortality<\/td><td data-label=\"Unit\">deaths above expected baseline, P-score in percent<\/td><td data-label=\"Cadence\">weekly to annual<\/td><td data-label=\"Source type\">Civil registration against a baseline<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Disability incidence and recovery rates<\/td><td data-label=\"Unit\">claims per thousand lives per year<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Insurer experience studies<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Out-of-pocket health expenditure<\/td><td data-label=\"Unit\">percent of current health expenditure<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">National health accounts<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Medical cost trend<\/td><td data-label=\"Unit\">annual change in claim cost per member, percent<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Health insurer claims data<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Policy lapse rate<\/td><td data-label=\"Unit\">percent of policies per year<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Insurer persistency studies<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A01\/topics\/health-and-life-insurance\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"health\" data-tone=\"alt\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Health and life insurance as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a01-topics-health-and-life-insurance-ngfs-t nx-dag-a01-topics-health-and-life-insurance-ngfs-d\" data-nx-z=\"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\"><title id=\"nx-dag-a01-topics-health-and-life-insurance-ngfs-t\">Health and life insurance: climate scenario analysis pipeline<\/title><desc id=\"nx-dag-a01-topics-health-and-life-insurance-ngfs-d\">Orderly, disorderly and hot house scenarios supply pathways for carbon prices and macro variables; transition and physical channels change sector and asset outcomes; credit parameters and portfolio losses follow, and results are disclosed with their limits. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">Human Mortality Database<\/td><td data-label=\"What it gives\">Detailed national mortality and population data for life tables<\/td><td data-label=\"Licence class\">Free with registration, Creative Commons attribution<\/td><\/tr><tr><td data-label=\"Source\">UN World Population Prospects<\/td><td data-label=\"What it gives\">Population estimates and projections, mortality and fertility by country<\/td><td data-label=\"Licence class\">Creative Commons attribution, IGO<\/td><\/tr><tr><td data-label=\"Source\">WHO Global Health Expenditure Database<\/td><td data-label=\"What it gives\">Health spending by source, including out-of-pocket and voluntary insurance<\/td><td data-label=\"Licence class\">Creative Commons non-commercial, IGO<\/td><\/tr><tr><td data-label=\"Source\">WHO Global Health Observatory<\/td><td data-label=\"What it gives\">Mortality, morbidity and health system indicators by country<\/td><td data-label=\"Licence class\">Free, WHO terms<\/td><\/tr><tr><td data-label=\"Source\">Society of Actuaries experience studies and mortality tables<\/td><td data-label=\"What it gives\">Insured mortality, morbidity and lapse experience, and improvement scales<\/td><td data-label=\"Licence class\">Public reports, SOA terms<\/td><\/tr><tr><td data-label=\"Source\">OECD Health Statistics<\/td><td data-label=\"What it gives\">Health status, care resources and financing across member countries<\/td><td data-label=\"Licence class\">Free, OECD terms<\/td><\/tr><tr><td data-label=\"Source\">National statistics offices<\/td><td data-label=\"What it gives\">Death registrations, causes of death and national life tables<\/td><td data-label=\"Licence class\">Public, terms per office<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A01\/topics\/health-and-life-insurance\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Insurance Nexus prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Life insurers and pension fund trustees<\/td><td data-label=\"The question\">What mortality improvement and longevity assumptions to adopt, and whether to transfer longevity risk<\/td><td data-label=\"Evidence this page serves\">Experience studies, national trends and the spread between improvement scales<\/td><\/tr><tr><td data-label=\"Who decides\">Health ministries and social insurance agencies<\/td><td data-label=\"The question\">What the public scheme covers and how private cover may complement it<\/td><td data-label=\"Evidence this page serves\">Out-of-pocket spending, coverage gaps and the distributional effect of each design<\/td><\/tr><tr><td data-label=\"Who decides\">Insurance supervisors<\/td><td data-label=\"The question\">Whether biometric assumptions and pandemic scenarios are adequately reflected in reserves and capital<\/td><td data-label=\"Evidence this page serves\">Assumption benchmarks, stress scenarios and experience against expectation<\/td><\/tr><tr><td data-label=\"Who decides\">Health insurers<\/td><td data-label=\"The question\">How to set tariffs and benefit design under medical cost trend and community rating rules<\/td><td data-label=\"Evidence this page serves\">Claims cost trends and pooling rules, labelled by source<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Guide to mortality, morbidity and longevity risk and the boundary with social insurance<\/li><li>Brief on pandemic correlation across life, health and non-life lines<\/li><li>Method note on reading excess mortality and experience studies<\/li><li>Evidence-to-diligence checklist for mortality improvement assumptions<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"health\" data-variant=\"split\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">What professionals ask.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>How do changes in life expectancy affect life insurers and annuity providers?<\/li><li>How do pandemics affect mortality, morbidity and claims?<\/li><li>How do medical advances and rising health costs change health insurance?<\/li><li>How do private health and life cover interact with public social protection?<\/li><li>How should insurers use health data while protecting privacy and fairness?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Drivers and dynamics.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Life insurers and pension providers face longevity risk: if people live longer than assumed, annuity payments last longer than priced. Mortality improvements over many decades have made this a central concern. Pandemics produce the opposite shock, raising mortality and morbidity sharply over short periods. Health insurers face rising costs from medical technology, chronic disease and ageing populations.<\/p><p class=\"nx-p\">The boundary between private insurance and public provision varies widely between countries. Where public systems are strong, private cover supplements them; where they are weak, private cover may be the main protection for those who can afford it. Gaps in health and life cover leave households exposed to catastrophic expenses. Public health science is studied at <a class=\"nx-link\" href=\"https:\/\/therisk.global\/health-nexus\/\" target=\"_blank\" rel=\"noopener\">Health Nexus at The Global Centre for Risk and Innovation (GCRI)<\/a>.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-limits\" class=\"nx-section\" data-hue=\"climate\" data-variant=\"split\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and limits<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">How it is studied.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Mortality and morbidity analysis<\/h3><p class=\"nx-p nx-mt-1\">Experience studies and projection models from <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/actuarial-math\/\">actuarial mathematics<\/a>.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Longevity modelling<\/h3><p class=\"nx-p nx-mt-1\">Stochastic models of mortality improvement, with uncertainty through <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/probability-statistics\/\">probability and statistics<\/a>.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Pandemic scenarios<\/h3><p class=\"nx-p nx-mt-1\">Scenario analysis of mortality, morbidity and asset effects together.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Limits<\/h3><p class=\"nx-p nx-mt-1\">Future mortality trends are uncertain, pandemic effects vary by population, and health data raises privacy and fairness questions.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"health\" data-tone=\"alt\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/actuarial-math\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Actuarial mathematics<\/span><span class=\"nx-mledger-role\">Loss reserving with development triangles \u00b7 Experience rating and credibility<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/actuarial-math\/\" aria-label=\"Actuarial mathematics: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/probability-statistics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Probability and statistics<\/span><span class=\"nx-mledger-role\">Frequency and severity modelling \u00b7 Bayesian updating of assumptions<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/probability-statistics\/\" aria-label=\"Probability and statistics: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/extreme-value\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Extreme value theory and tail risk<\/span><span class=\"nx-mledger-role\">Large-loss pricing for excess layers \u00b7 Tail measures for solvency capital<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/extreme-value\/\" aria-label=\"Extreme value theory and tail risk: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/ai-ml\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Artificial intelligence and machine learning<\/span><span class=\"nx-mledger-role\">Exposure enrichment from imagery \u00b7 Fraud and claims triage \u00b7 Fairness testing of pricing models<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/ai-ml\/\" aria-label=\"Artificial intelligence and machine learning: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">National mortality differs from insured mortality because of selection and socioeconomic mix. Cause-of-death coding and civil registration are incomplete in many countries. Longevity trends are uncertain far into the future, and pandemic frequency has no stable record from which to estimate it. Insurance Nexus describes methods and evidence; it does not set assumptions, advise on products or give medical or financial advice to any person.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-14-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What is longevity risk?<\/summary><div class=\"nx-answer\">The risk that people live longer than assumed, so annuity, pension and long-term care obligations cost more than reserved. It affects insurers, pension funds and public pension systems alike.<\/div><\/details><details><summary>Why does insured mortality differ from population mortality?<\/summary><div class=\"nx-answer\">Insured lives are selected by underwriting and tend to differ in income, health and occupation. Experience studies measure the difference rather than assuming it.<\/div><\/details><details><summary>Is a pandemic insurable?<\/summary><div class=\"nx-answer\">Parts are, such as individual life and health claims, but a severe pandemic correlates losses across lines and assets. Many proposals pair private cover with public backstops; designs and their limits differ.<\/div><\/details><details><summary>How did recent pandemic experience affect insurers?<\/summary><div class=\"nx-answer\">It raised mortality and health claims in some lines and disrupted operations, and it prompted wider use of pandemic scenarios.<\/div><\/details><details><summary>Does GRA advise on health or life policies?<\/summary><div class=\"nx-answer\">No. It provides sector-level research only.<\/div><\/details><details><summary>Does GRA give advice on this topic?<\/summary><div class=\"nx-answer\">No. GRA does not underwrite, sell, solicit, negotiate, place or broker insurance, and it does not rate, advise on or arrange transactions. Readiness work is not approval. Its analysis is shared, sector-level understanding.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-15\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-15\" class=\"nx-h3 nx-mt-2\">Around Insurance Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-market-structure\/\">Insurance market structure <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/underwriting-and-pricing-risk\/\">Underwriting and pricing risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/property-and-casualty\/\">Property and casualty <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/claims-and-operational-resilience\/\">Claims and operational resilience <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-protection-gaps\/\">Insurance protection gaps <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/climate-and-nature-risk\/\">Climate and nature risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/\">Insurance Nexus home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Insurance Nexus<\/span><h2 id=\"nx-close-16\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Insurance%20Nexus%3A%20Health%20and%20life%20insurance\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/health-and-life-insurance\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/health-and-life-insurance\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is longevity risk?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The risk that people live longer than assumed, so annuity, pension and long-term care obligations cost more than reserved. It affects insurers, pension funds and public pension systems alike.\"}},{\"@type\":\"Question\",\"name\":\"Why does insured mortality differ from population mortality?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Insured lives are selected by underwriting and tend to differ in income, health and occupation. Experience studies measure the difference rather than assuming it.\"}},{\"@type\":\"Question\",\"name\":\"Is a pandemic insurable?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Parts are, such as individual life and health claims, but a severe pandemic correlates losses across lines and assets. Many proposals pair private cover with public backstops; designs and their limits differ.\"}},{\"@type\":\"Question\",\"name\":\"How did recent pandemic experience affect insurers?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It raised mortality and health claims in some lines and disrupted operations, and it prompted wider use of pandemic scenarios.\"}},{\"@type\":\"Question\",\"name\":\"Does GRA advise on health or life policies?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. It provides sector-level research only.\"}},{\"@type\":\"Question\",\"name\":\"Does GRA give advice on this topic?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. GRA does not underwrite, sell, solicit, negotiate, place or broker insurance, and it does not rate, advise on or arrange transactions. Readiness work is not approval. 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