Webinar: Life Reinsurance and Innovation Series - Part 2: The Disclosure Impact of Applying Behavioural Science to Underwriting
This webinar will be held over zoom. Click here to read the User Guide for Zoom webinars/meetings.
SCOR’s Aisling Bradfield and Denis Charles will share how applying knowledge of human behaviour and biases to the design and wording of underwriting questionnaires can have a significant impact on the levels of disclosure experienced.
Aisling and Denis will discuss the latest evidence of this impact from the ongoing research project undertaken by SCOR and Society of Actuaries in the US to quantify the impact on disclosure of behavioral science question design.
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As Head of Behavioural Science with SCOR’s global research function, Aisling focuses on improving the understanding of policyholder behaviour and applying behavioural 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 has worked with SCOR since 2010, starting in pricing and progressing to a role in policyholder behaviour.
Denis joined SCOR in April 2020. Before working on underwriting, distribution quality management and lapse projects, he was involved in estimating short and long-term impacts of COVID-19 on portfolios. Denis holds a master’s degree in economics and statistics from Tours University and is currently a PhD candidate at SCOR with University of Poitiers. His research focuses on how to leverage data and behavioural economics to understand insurance customers’ behaviors and their related impact on risk assessment of life insurance contracts.