En el tercer episodio del SCOR Innovation Podcast, continuamos nuestra exploración de las soluciones alternativas en el mercado latinoamericano. Esta vez, nos sentamos con líderes de Gallagher Re y SCOR para analizar cómo el reaseguro estructurado está transformando la gestión de capital, la mitigación de riesgos y la solvencia en un entorno cada vez más volátil. Descubra ejemplos del mundo real y estrategias clave para el éxito. ¡Una conversación imperdible para todo profesional de seguros que busque impulsar el crecimiento de su empresa!

El SCOR Innovation Podcast le trae un nuevo episodio lleno de información clave para el éxito en el mercado de reaseguros. En esta ocasión, expertos de Guy Carpenter y SCOR nos guían a través del poder del reaseguro estructurado para las aseguradoras latinoamericanas. Exploramos cómo esta innovadora herramienta permite navegar las complejidades del mercado actual, optimizar el capital y fortalecer la solidez financiera. ¡No se pierda las estrategias y perspectivas que le ayudarán a llevar su negocio al siguiente nivel!

¡Bienvenido al Innovation Podcast de SCOR, el podcast donde exploramos las últimas tendencias en reaseguro en Latinoamérica! En este primer episodio, nos adentramos en el fascinante mundo de las soluciones alternativas. Acompáñenos a descubrir cómo el reaseguro estructurado está revolucionando la industria y brindando nuevas oportunidades a las reaseguradoras de la región. Expertos de AON y SCOR nos guían a través de los desafíos y oportunidades clave, con ejemplos concretos y estrategias innovadoras. ¡No se pierda este análisis profundo que le ayudará a mantenerse a la vanguardia!

SCOR’s Life & Health Underwriting & Claims publication is celebrating its 10th birthday. Over the last decade, SCORacle has brought the latest innovation and change in underwriting and claims practice to SCOR’s UK & Irish market clients. From advances in medicine and healthcare to changes in legislation affecting the industry and technology advances to achieve improved customer outcomes, SCORacle has consistently delivered thought-provoking content. In this episode David Ferguson, Underwriting and Claims Development Manager interviews Phil Cleverley, Chief Underwriter and Paul Blyth, Head of Underwriting and Claims Proposition. Listen to them discuss the concept for SCORacle, the early editions, and how it has evolved over the last 10 years to produce more than 30 editions and 135 articles, as well as the challenges the industry has faced and their thoughts for the most important advances and challenges for the industry over the next 10 years.

BIOS:
David Ferguson, Underwriting & Claims Development Manager

David joined SCOR in December 2014 and has more than 25 years of experience in life and health reinsurance in the UK and Irish market. He has worked for different insurers across a range of roles including premium administration, underwriting and claims, research and development and automated rules development for claims engines.

His current role as Underwriting & Claims Development Manager is to support the implementation of SCOR’s underwriting and claims strategy and framework for Life underwriting and claims best practice. He has an interest in advances and innovations in medical tech and their impact on the Life and Health industry. He is an Associate of the Chartered Insurance Institute and holds both the Institute's Underwriting and Claims diplomas. He is currently Chair of the Digital Technology and Innovation Practitioner Group at the Investment & Life Assurance Group.

Paul Blyth, Head of Underwriting & Claims Proposition
Paul is Head of Underwriting & Claims Proposition in the UK and Ireland at SCOR. His key responsibilities are maintaining and enhancing relationships with SCOR’s key clients in both Underwriting and Claims in the UK and Irish markets. With 20+ years’ experience in claims, he develops and delivers training to clients on a regular basis, coordinates the UK team's webinars and newsletter, SCORacle, where he has contributed a number of articles over the years, some of which have been translated for other markets including Korea and Japan.

He has represented SCOR many times when presenting at various industry events such as FOCUS (where he was vice chair), Health Insurance Society, Select 74, Health Claims Forum, and the Health, Care and Protection Conference. He has a particular interest in cancer and neurology and has issued a number of publications over the years, which include topics such as Proton Beam Radiation Therapy, Immunotherapy, Rare Cancers, Neurodendocrine Tumours (NETs)/Gastrointestinal Stromal Tumours (GISTs)/Pseudomyxoma Peritonei (PM) and many more.

Phil Cleverley, Chief Underwriter
Phil has been working in the insurance industry for over 40 years with the majority of that time spent in underwriting. He joined SCOR Global Life as Chief Underwriter in December 2009 having previously worked at Swiss Re, GE Insurance Solutions and United Friendly Insurance. Phil was one of the first people to gain the Diploma in Medical Underwriting and has been a long-time member of the Educational Council for the Assurance Medical Underwriting Society that provides the material for the Chartered Insurance Institute subject Life and Disability Underwriting.

He has been a member of many working parties within the Association of British Insurers and has been heavily involved in the production of the Statements of Best Practice/Minimum Standards for Critical Illness, ABI Guidance on the Disability Discrimination Act and Application Form Design. He is also a past Chair of the ABI Genetics Working Party.

In this second episode about Fraud in Insurance, Robyn Wallner, Underwriting Solutions in the US, and Paul Blyth, Head of Underwriting Claims & Propositions in the UK, discuss innovative solutions with host David Ferguson, Underwriting and Claims Development Manager from the UK. Innovative technology, trends analysis, databases, heat maps, artificial intelligence, and more are being used to identify fraud in underwriting and claims to stay ahead of the fraudsters using many of the same tools. Part 1 of this series discusses fraud risks and mitigation and is available here.

Host David Ferguson

David joined SCOR in December 2014 and has more than 25 years of experience in life and health reinsurance in the UK and Irish market. He has worked for different insurers across a range of roles including premium administration, underwriting and claims, research and development and automated rules development for claims engines.

His current role as Underwriting & Claims Development Manager is to support the implementation of SCOR’s underwriting and claims strategy and framework for Life underwriting and claims best practice. He has an interest in advances and innovations in medical tech and their impact on the Life and Health industry. He is an Associate of the Chartered Insurance Institute and holds both the Institute's Underwriting and Claims diplomas. He is currently Chair of the Digital Technology and Innovation Practitioner Group at the Investment & Life Assurance Group.

Guest Paul Blyth

Paul is Head of Underwriting & Claims Proposition in the UK and Ireland at SCOR. His key responsibilities are maintaining and enhancing relationships with SCOR’s key clients in both Underwriting and Claims in the UK and Irish markets. With 20+ years’ experience in claims, he develops and delivers training to clients on a regular basis, coordinates the UK team's webinars and newsletter, SCORacle, where he has contributed a number of articles over the years, some of which have been translated for other markets including Korea and Japan.

He has represented SCOR many times when presenting at various industry events such as FOCUS (where he was vice chair), Health Insurance Society, Select 74, Health Claims Forum, and the Health, Care and Protection Conference. He has a particular interest in cancer and neurology and has issued a number of publications over the years, which include topics such as Proton Beam Radiation Therapy, Immunotherapy, Rare Cancers, Neurodendocrine Tumours (NETs)/Gastrointestinal Stromal Tumours (GISTs)/Pseudomyxoma Peritonei (PM) and many more.

Guest Robyn Wallner

Robyn Wallner works at SCOR in the role of Vice President, Underwriting|Partnerships. She has more than three decades of insurance and financial services experience including individual life and disability income underwriting, underwriting guideline development, compliance oversight, product development, reinsurance, technology development/underwriting rules/engines development, vendor negotiation, claims review and analysis, underwriting representation for litigation, quality oversight, co-creation of solutions with distributors, carriers, TPAs, and insurtechs, new business administration and underwriting leadership, and Chief Underwriter.

Robyn has a Bachelor of Arts degree in Management from College of St Benedict. She also holds the Fellow, Academy of Life Underwriting (FALU); Fellow, Life Management Institute (FLMI); and Chartered Life Underwriter (CLU) designations as well as Emergency Medical Technical (EMT) certification. In her free time, Robyn enjoys volunteering as an EMT and Alpine Ski Patroller, playing pickleball, golfing, hiking, and spending time with her husband, Steve, and three children, Paige, Megan, and Matthew.

How big is the global insurance fraud problem and how can we mitigate the fraud risk? The latest SCOR Innovation Podcast episode features David Ferguson, Underwriting and Claims Development Manager from the UK, interviewing Robyn Wallner, Underwriting Solutions in the US, and Paul Blyth, Head of Underwriting Claims & Propositions in the UK. Join us to hear a comparison between the fraud issues on either side of the Atlantic Ocean, as the experts discuss fraud trends, factors constituting fraud in different markets, and more.

Host David Ferguson

David joined SCOR in December 2014 and has more than 25 years of experience in life and health reinsurance in the UK and Irish market. He has worked for different insurers across a range of roles including premium administration, underwriting and claims, research and development and automated rules development for claims engines.

His current role as Underwriting & Claims Development Manager is to support the implementation of SCOR’s underwriting and claims strategy and framework for Life underwriting and claims best practice. He has an interest in advances and innovations in medical tech and their impact on the Life and Health industry. He is an Associate of the Chartered Insurance Institute and holds both the Institute's Underwriting and Claims diplomas. He is currently Chair of the Digital Technology and Innovation Practitioner Group at the Investment & Life Assurance Group.

Guest Paul Blyth

Paul is Head of Underwriting & Claims Proposition in the UK and Ireland at SCOR. His key responsibilities are maintaining and enhancing relationships with SCOR’s key clients in both Underwriting and Claims in the UK and Irish markets. With 20+ years’ experience in claims, he develops and delivers training to clients on a regular basis, coordinates the UK team's webinars and newsletter, SCORacle, where he has contributed a number of articles over the years, some of which have been translated for other markets including Korea and Japan.

He has represented SCOR many times when presenting at various industry events such as FOCUS (where he was vice chair), Health Insurance Society, Select 74, Health Claims Forum, and the Health, Care and Protection Conference. He has a particular interest in cancer and neurology and has issued a number of publications over the years, which include topics such as Proton Beam Radiation Therapy, Immunotherapy, Rare Cancers, Neurodendocrine Tumours (NETs)/Gastrointestinal Stromal Tumours (GISTs)/Pseudomyxoma Peritonei (PM) and many more.

Guest Robyn Wallner

Robyn Wallner works at SCOR in the role of Vice President, Underwriting|Partnerships. She has more than three decades of insurance and financial services experience including individual life and disability income underwriting, underwriting guideline development, compliance oversight, product development, reinsurance, technology development/underwriting rules/engines development, vendor negotiation, claims review and analysis, underwriting representation for litigation, quality oversight, co-creation of solutions with distributors, carriers, TPAs, and insurtechs, new business administration and underwriting leadership, and Chief Underwriter.

Robyn has a Bachelor of Arts degree in Management from College of St Benedict. She also holds the Fellow, Academy of Life Underwriting (FALU); Fellow, Life Management Institute (FLMI); and Chartered Life Underwriter (CLU) designations as well as Emergency Medical Technical (EMT) certification. In her free time, Robyn enjoys volunteering as an EMT and Alpine Ski Patroller, playing pickleball, golfing, hiking, and spending time with her husband, Steve, and three children, Paige, Megan, and Matthew.

Behavioral economics research has shown that small details can have a large impact on how a person behaves. As life insurance transitions to using digital and streamlined processes, we must rely more on application form responses. However, traditional application forms can be complicated, confusing, and difficult for applicants to answer easily. Behavioral science concepts applied to redesigned application form questions create a better customer experience and improve the accuracy and honesty of information disclosed. Join us for this episode of the SCOR Innovation Podcast to hear how the research results support the business case for innovating policy application questions to promote better disclosures in life insurance applications. See the full research results in this report. Access the interactive dashboard to explore detailed results data.

Katherine McLaughlin
Katherine McLaughlin is VP, Pricing and Innovation. She works with clients to stay ahead of changing market conditions and new product developments while crafting solutions that achieve their business objectives. Prior to this, she has held various actuarial roles including Data Analytics, Client Solutions, Experience Analysis, and Pricing. She holds a BSBA in Actuarial Science and Finance from Drake University and has been with SCOR for 15 years.

Aisling Bradfield
As Head of Behavioral Science with SCOR’s global research function, Aisling focuses on improving our understanding of policyholder behavior and applying behavioral economics research to gain insights into customer interaction with insurance at all points of the customer journey. Aisling graduated from University College Dublin, receiving a bachelor’s degree in actuarial and financial Studies. She is a Fellow of the Society of Actuaries in Ireland, having qualified as an actuary in 2014. Aisling completed an executive education course in behavioral economics at London School of Economics in June 2019. Aisling is based in Ireland and started working in pricing with SCOR in 2010, later moving into policyholder behavior.

In this episode, SCOR longevity specialists, Ruth Damian and Phil Curtis, explore the threat posed by longevity risk and the reinsurance solutions available to insurers and pension schemes.

BIOS:
Phil Curtis, Head of Longevity Business Development

Phil is Head of Longevity Business Development for SCOR. Based in London, UK, he has 15 years’ experience working in pensions and life insurance. Since joining SCOR in 2021, Phil has helped secure multibillion-dollars’ of longevity risk for clients and insurers, and is responsible for developing longevity solutions and client relationships globally. Prior to joining SCOR, Phil was a specialist consultant at Aon, advising pension scheme stakeholders on how to secure their longevity risk in the Pensions Risk Transfer market.

Ruth Damian, AVP, Longevity

Ruth is an Assistant Vice President on the Longevity team in the Americas. She has been in Reinsurance for 26 years with the last 21 working on financial reinsurance solutions. She joined SCOR in 2022. Most recently, she has been working with the Longevity team in the UK as the adviser and contact person to SCOR Longevity clients in the United States. Prior to SCOR, she provided her expertise in different positions within reinsurance at RGA, MetLife and Brighthouse Financial. She earned her bachelor’s degree in actuarial science from Anahuac University in Mexico City.