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Underwriting and Claims

The Future of Underwriting - It is Nearly Here!​

Medical Technology

Imagine a future where underwriters can have complete medical records available at their fingertips. Now, add to that instantly accessible up-to-date information about the applicant’s blood pressure, heart rhythm and other vital physical signs. In such a future, underwriting will become faster, cheaper and better. In the U.K., there is a growing belief that this future is nearly here. 

Recent technological and medical advancements are enabling easy access to medical information, bringing challenges and major opportunities for insurers. So what do these technological and medical advances mean for underwriters? This paper explores the implications of these changes.  

Reprinted with permission of ON THE RISK, Journal of the Academy of Life Underwriting (

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The Author

  • Yunus Piperdy
    Bsc, FCII
    Vice President and
    Head of Underwriting
    Innovation Strategy 
    RGA UK
    Send email >


Underwriters need to act now to monitor and prepare for rapid technological changes in information access and management. 
Download "The Future of Underwriting"
  • EHR
  • Electronic Health Records
  • electronic medical
  • Electronic Medical Records
  • EMR
  • medical advances
  • medical innovation
  • medical underwriting
  • Quantified Self
  • wearable medical device
  • wearable technology
  • wearables