Fair risk assessment in life & health insurance

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      <subfield code="a">Goverments and regulators are exerting increasing influence on the risk selection process of the private life and health insurance industry. This was placed significantly under the spotlight by the 1 March 2011 European Court of Justice rulling on the use of gender in insurance. this announced that the current exemption for the use of gender as a risk factor in insurance contracts will be removed with effect from 21 december 2012. While the ruling surprised some, it follows three decades of regulatory developments and pressure on the industry to prove that its risk selection process is fair, and that the price charged to the consumer of insurance products is actuarially sound</subfield>
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