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Changing the risk trajectory with an accurate picture of health

Perspectives on the impact of obesity

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    Effectively managing and mitigating metabolic risk

    Despite the growing risks posed by increasing obesity in North America, new tools, predictive analytics, and disruptive technology solutions make it possible to develop fairer and more accurate pricing while potentially expanding the insured population. The key is moving beyond imprecise measures like BMI in isolation and holistically considering multiple associated factors to assess metabolic health more accurately.
    Gina_Guzman
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    The key is moving beyond imprecise measures like BMI in isolation and holistically considering multiple associated factors to assess metabolic health more accurately.
    Dr. Gina Guzman
    As your risk management partner, Munich Re is committed to helping you develop the best understanding of metabolic risk and better assess, manage and mitigate it in your business. We also continue to study new third-party solutions with the potential to revolutionize underwriting programs. Partner with us to leverage our powerful tools and innovative solutions such as the metabolic risk calculator and BMI misrepresentation model to advance your business in this evolving insurance landscape.
    Munich Re leverages cutting-edge technology to develop the most holistic view of obesity risk to best help the industry manage and mitigate their portfolios. Learn more about our Metabolic Risk Calculator.
    Metabolic Risk Calculator
    Related Content Navigating the obesity epidemic through enhanced risk management solutions A heightened focus on obesity risk

     

     
    The obesity epidemic in North America is only getting worse, which impacts mortality in a multifactorial fashion. We are now approaching the entire metabolic risk profile from all angles, as its impact is staggering.
    Dr. Gina Guzman

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    Navigating the obesity epidemic through enhanced risk management solutions

    Rather than rely on older approaches, Munich Re is combining industry-leading underwriting and medical expertise with state-of-the-art predictive analytics.

    In this article, we share our view of the risks as well as innovative ways to assess and mitigate this growing concern to help carriers successfully position their businesses in a risk-informed way.
    Read more

    Next generation solutions

    From scanning tools that deliver previously hard-to-get insights into body composition or help gage biological versus chronological age to wearables that track activity and other health indicators, new technologies from a growing pool of start-ups offer great promise for assessing and mitigating metabolic risk.

    Munich Re is assessing the accuracy, consumer acceptance, and regulatory risks of many of these tools and can help carriers determine which to leverage as they design next generation underwriting programs. We invite carriers interested in piloting some of these new solutions to reach out to us.

    Munich Re facilitates strategic partnerships with innovators

    Learn how Contact us

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    About Munich Re Life

    As a leader in the life reinsurance market, Munich Re Life’s expertise expands from market-leading offerings that include individual life and living benefits reinsurance, group reinsurance and financial reinsurance, to predictive analytics, digital partnerships, and standard-setting underwriting and medical capabilities.

    We believe that the digital economy offers an unprecedented opportunity for the industry to rapidly advance risk assessment and close the widening global underinsured gap.

    Learn more about our insights and innovations.
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