Session 134 PD, Hannover Re Session Series Part 3: Executing New Strategy in a Data Driven World. Moderator: Anthony C. Laudato, FSA, MAAA
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1 Session 134 PD, Hannover Re Session Series Part 3: Executing New Strategy in a Data Driven World Moderator: Anthony C. Laudato, FSA, MAAA Presenters: Geoff Andrews Kevin Oldani SOA Antitrust Disclaimer SOA Presentation Disclaimer
2 Executing a New Strategy in a Data Driven World An Underwriting Perspective Kevin Oldani, SVP and Chief Underwriter SOA Annual Meeting Octobert 2016
3 Changing Underwriting Paradigm in Life Insurance New Underwriting Evidence Underwriters: What do they do? Underwrite individual applicants Interact with distributions and applicants (explain decisions) Develop medical and non medical ratings Base decisions on scientific evidence Global view of the applicants underwriting evidence Open to new underwriting requirements and evidence (predictive models, other) 2
4 What Underwriters want Underwriting evidence should be: Verifiable Understandable (Not a black Box) Contestable Explainable Regulatory Concerns Reasonable Fairness 2
5 Media evidence 3
6 Disclaimer Appendix This presentation does not address the investment objectives or financial situation of any particular person or legal entity. Investors should seek independent professional advice and perform their own analysis regarding the appropriateness of investing in any of our securities. While Hannover Re has endeavoured to include in this presentation information it believes to be reliable, complete and up-to-date, the company does not make any representation or warranty, express or implied, as to the accuracy, completeness or updated status of such information. Some of the statements in this presentation may be forward-looking statements or statements of future expectations based on currently available information. Such statements naturally are subject to risks and uncertainties. Factors such as the development of general economic conditions, future market conditions, unusual catastrophic loss events, changes in the capital markets and other circumstances may cause the actual events or results to be materially different from those anticipated by such statements. This presentation serves information purposes only and does not constitute or form part of an offer or solicitation to acquire, subscribe to or dispose of, any of the securities of Hannover Re. Hannover Rück SE. All rights reserved. Hannover Re is the registered service mark of Hannover Rück SE. VI
7 Hannover Re Session Series Part 3: Executing New Strategy in a Data Driven World socialintel.com
8 Next-Generation Data Far more than just Social Media Publicly Available Online Content Opt-in Social Media Profiles Connected Devices Wearables 2
9 Categories of Publicly Available Online Content Sourced from across the web Social Networks Micro-Blogging Websites Blogging Websites Picture & Video Sharing Websites Music Websites Online Commerce Websites Dating Network Websites Geo-Social Network Websites News & Media Websites Other 3
10 The Great Data Shift US Carriers currently spend $17B on traditional data annually. Next-Generation Data provides Insurers with different and unique risk analysis predictions 96% of underwriters say the digitally enabled world will see the emergence of new risk rating factors.* What is driving the move to next generation data? GEN Z Social & Web Data Finally at Critical Mass The IoT Boom New Data to be Leveraged Legacy Not Effective With Certain Demographics Stagnant Innovation Of Legacy Providers 4
11 The Challenges With Legacy Data $$$??? Declining Accuracy Fewer Trade Lines and Changing Consumer Habits Make Scoring Less Precise Experian 2015* High Costs Monopoly Of Current Data Means High Cost To Customers Ex. MVR costs have increased 50% Verisk 2015** Millennials Unscorable 64M People Unscorable By Traditional Credit Scores & Growing Daily MReport 2015*** 5
12 Life Insurance Market Drivers Disruption creates opportunity New Technologies Shrinking Consumption $16 Trillion Gap Underserved Markets Shift in Consumer Expectations 6
13 The Predictive Power of Next-Generation Data The vast array of new data on the social web & IoT enables Insurers to assess risk more effectively: Identify The Most Likely to Qualify Applicants Accelerate Underwriting Prioritize Underwriting Activities Avoid Unnecessary Reports & Tests Provide Discounts & Ongoing Incentives Track Life Events Online data is highly predictive, complementing traditional data such as credit, MVR, and other proprietary sources.
14 Creating an Actionable Picture of Risk Enhance risk evaluation through new data sources 8
15 More Data Means More Insight Gain further insight through utilization of Social Data Social Data 9
16 Industry Use Cases New strategy execution has already begun Creating a customer friendly (i.e. less intrusive) u/w process Leveraging social data to gain insight into high value areas - Smoker Status - Substance Abuse Risk - Avocation Risk - Vocation Risk Derived from publicly available online content Utilized to identify applicants for fast tracking through underwriting and application processes More effective means to target and assess leads Leveraging social data to determine an individual s merit and intent - Likelihood to qualify - Likelihood to purchase Tips and lead purposes Not used to make underwriting decisions Streamlining and enhancing existing processes Leveraging social data to combat fraud - Fraud scoring - Fast tracking legitimate claims - Continually monitoring active LTD claims Utilization doesn t require adherence to FCRA 10
17 QUESTIONS
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