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Cybercrime and insurance

Utgåva: 4 / 2018 | Kategori: Digitalisering, Risk | Författare: Marina Silitrari

This article is a report from the 5th Annual Industrial Control Cyber Security European Summit, London. In the conclusions, the author writes that "digital transformation in sync with exponential technology advancements posit an incremental exposing risk for companies, both for the increasing amount of sensitive available information, and the easy accessible opportunities to hack data. Integration between IT and other company departments, but mainly OT, would allow greater control and management over hacking incidents. Nevertheless, companies should master preventing and curving hacking attempts

The importance of developing technical underwriting

Utgåva: 2 / 2018 | Kategori: Digitalisering, Försäkringsteknik | Författare: Jens Reuss Christensen, Mads Skytte

It is important for non-life insurance companies working with individual underwriting (UW) of major industrial and commercial risks, to have experienced underwriters employed. But how do companies ensure in times of increased use of digitization and use of data that this experience is systematized, maintained and used by new generations of underwriters? In this article the authors will suggest some answers to some important questions.

-- Society seems to have put more effort into helping people reach old age than in helping them enjoy it.

Utgåva: 1 / 2018 | Kategori: Liv- och pensionsförsäkring | Författare: Anina Grell, Lars Sommer-Hansen

People get older and older and people's needs for insurance and care change accordingly. On the same time, due to increased pressure on the states' budgets the benefits provided by the states are shrinking. What is really happening ? What do consumers really want ? And is the insurance industry ready to take part in the transition?

Building trust in insurance – practical steps we can all take

Utgåva: 1 / 2018 | Kategori: Ledarskap | Författare: Duncan Minty

We all know that trust is important in a business sector like insurance. The question we should then ask ourselves is: what are we doing to protect it and to nurture it? Trust doesn’t look after itself. You have to pay it attention and according to a 2017 survey by advisory firm PwC, insurance needs to do more.

Take-off of the drones

Utgåva: 2 / 2016 | Kategori: Risk, Skadeförsäkring | Författare: Matti Sjögren

Unmanned aerial vehicles (UAV) commonly referred to as drones have taken to the skies at a phenomenal pace. When the regulation is liberal and leaves the competence and risk management issues to the users and simultaneously requires liability insurance, some of the tasks of regulation are transferred to the insurance companies. Does everyone get coverage or do instead of the regulator the insurance company set the requirements?

Community-based psychological disaster management groups and psychosocial support to trauma victims – knowledge and awareness

Utgåva: 2 / 2016 | Kategori: Risk | Författare: Jörgen Lundälv

An underlying purpose of the study is to gain a better understanding of how providing information on crisis teams could be improved for citizens, victims, and family members. Psychosocial support is important and could prevent social long-term consequences, period of sick-leave and suffering. Knowledge and awareness concerning injury prevention is also important to insurance company interacting people suffering from trauma.

On the Effect of Intensified Regulation on the Product Strategy of Nordic Life Insurance Companies

Utgåva: 1 / 2015 | Kategori: EU och internationell försäkring, Försäkringsrätt, Risk | Författare: Olli-Pekka Ruuskanen, Raimo Voutilainen

Seven big Nordic life insurance companies were interviewed to find out how intensified regulation and especially Solvency II has affected their product strategy. Almost all companies have given up writing new traditional business, and each company uses risk based steering which is a positive side effect of Solvency II. Variable annuities could be a compromise between traditional and unit liked businesses, but the companies do not write variable annuities very intensely. The companies’ activity in fixed annuities is gradually growing, but they do not transfer the longevity risk to a third party. This will prove necessary when the annuity market grows. The companies are growing their risk life business, but few of them have implemented new risk factors instead of gender which is no more allowed in life insurance. All companies use bancassurance as sales channel solution. Almost all of them are a part of a captive structure, and they do not foresee any changes in this. In this respect the companies differ from a current trend in Southern and Central Europe according to which banks are lightening their holdings in insurance companies.

Standard & Poor’s says Nordic insurance sectors are healthy but exposed to interest rate risk

Utgåva: 1 / 2015 | Kategori: EU och internationell försäkring, Liv- och pensionsförsäkring, Risk, Skadeförsäkring | Författare: Anna Glenmar

On December 22, 2014 Standard & Poor's published an article titled "Nordic Insurance Sectors Are Healthy, But Exposed To Interest Rate Risk". Seven of nine Nordic insurance sectors carry low-risk IICRAs, while just two carry intermediate or moderate risk, according to our assessment. Nevertheless, the sectors still face various risks, particularly from low interest rates.