Big Data and Anti-Discrimination - Lessons Learned from Unisex-Tariffs

Event Type
Web session
European Actuarial Academy

Start time: 8.00 am GMT

End time: 9.30 am GMT


Announcement from the European Actuarial Academy organiser: Big Data and Machine Learning increase the number of risk factors pricing is based on in insurance, both life and non-life. Since the Court of Justice of the European Union (CJEU) ruling on gender equality in 2011, all tariffs must be priced equally for men and women. Nevertheless, gender is an important and relevant risk factor for many insurance policies. Therefore, the distribution of men and women within the risk classes affects the final gender-equal unisex rates. Unfortunately, the percentage of men and women differs hugely between risk classes. There may even be strong correlations between gender and risk classes. To avoid gender discrimination, a new but simple approach to calculate unisex rates will be presented so that the distribution of men and women in different risk classes does not affect pricing anymore. As all new machine learning and AI-pricing have to comply with EU-Regulation, this may be a solution to meet the regulation and could help minimizing customer prejudice. This may be an example to avoid discrimination even for other risk factors such as nationality.

The web session is open to all interested persons, especially for actuaries in product development and legal department.

The objective of this web session is to present an alternative approach to implement anti-discrimination in pricing of risk products in regard to gender as well as other risk factors. Furthermore, it should be the start of a discussion about anti-discrimination and how to avoid it.

Technical requirements and test session
Please check with your IT department if your firewall and computer settings support web session participation (the programme Logmein is used for the web session). On 30 September 8.00 am - 8.30 am GMT, there will be a test session offered to all registered participants to test the software.

The registration fee is € 100.00 plus 16% VAT. Click here to make a reservation.

  • European Court of Justice-Ruling
  • Unisex tariffs
  • Standard implementation of unisex tariffs in risk products
  • Example: mortality products
  • “Weak” and “strong” gender equality
  • Example: disability products
  • Anti-discrimination in the context of machine-learning
  • Discussion
Thomas Gehling
Biographical details

Thomas is a senior consultant and actuary. He focuses on biometric risk products from product design, pricing and risk management to the underwriting process and insurance conditions. An important current topic is digitalisation. Before working as a consultant, he worked for a leading reinsurer and supported life insurer in product development. He studied mathematics and is a member of the German Association of Actuaries (Aktuar DAV). He was a member of the working groups which derived the German Mortality Table DAV 2008 T and reviewed the German Disability Table DAV 2011 I.