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Life Style Underwriting

Lifestyle indicators such as sports, diet, stress, weight and smoking are becoming more and more important for lifelong health conditions. They have a substantial impact on life expectancy. Future underwriting systems will be based to a vast extent on these indicators. Particularly for the evaluation of preferred risks life style indicators will play an important role.

The list of these indicators is almost unlimited. The most important are:

  • Physical activity
  • Height and weight
  • Nutrition
  • Occupation
  • Sports
  • Alcohol consumption

We are continuously working on integrating new information about these aspects into our underwriting systems.