Demographic Transition

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Press Release: Life Insurers Should Prepare for Implications of Genetics in Highly Fragmented Regulatory Landscape

The use of genetic information for life, disability, critical illness and long-term care insurance is likely to increase in relevance. The growing availability of genetic testing at ever lower prices is already giving insureds the option to purchase online “direct-to-consumer” tests. The new paper from The Geneva Association explores key implications of the use of genetic information in life insurance.

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Life insurers can help address societal effects of ultra-low rates - John R. Strangfeld

John R. Strangfeld, Chairman and CEO of Prudential Financial, discusses how ultra-low interest rates and other factors can impact society, and how life insurers can be part of the solution. Recorded at the 44th General Assembly of The Geneva Association.

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Genomic information can change the entire life insurance industry - J. Craig Venter

Dr J. Craig Venter, Co-Founder, Executive Chairman and Head of Scientific Strategy at Human Longevity Inc., discusses the potential of genomic information for the insurance industry. Recorded at the 44th General Assembly of The Geneva Association.

Watch all video interviews recorded at the 44th General Assembly on our YouTube channel.

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The Global Aging Preparedness Index: A New Tool for Assessing How Well Prepared Countries are for Global Aging

Read more about The Global Aging Preparedness Index: A New Tool for Assessing How Well Prepared Countries are for Global Aging

The world stands on the threshold of a stunning demographic transformation. For most of history until well into the 19th century, the elderly - defined here as adults aged 60 and over - comprised only a tiny fraction of the population, never more than 4 or 5 per cent in any country. In the developed world today, they comprise roughly 20 per cent of the population. Three decades from now in 2040, the share is on track to reach 30 per cent - and that is just the average. In Japan and the fastest-aging European countries, it will be approaching or passing 40 per cent.

Genetics and Life Insurance: A view into the microscope of regulation

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The use of genetic information for life, disability, critical illness and long-term care insurance is likely to increase in relevance. This report represents an attempt to understand key aspects of genetics, as well as limitations and controversies of its utilisation in life insurance.

Geneva Association Issues New Report on the Public Pensions Crisis in the U.S.

International insurance economics think tank The Geneva Association today issued an analysis of the looming crisis facing state and municipal pension systems in the U.S. The report suggests that the non-payment of annual required contributions and excessive reliance on one source of funding in pension planning are among the most significant challenges to overcome.