Description: Zero-Knowledge Proofs (ZKPs) represent an innovative suite of cryptographic algorithms that validate the accuracy of sensitive information without revealing the actual information itself. This report introduces the diverse applications and emerging opportunities that ZKPs offer to the insurance community, especially in the health insurance space.

Description: The document is a collection of essays titled "The Impact of Artificial Intelligence on Retirement Professionals and Retirees" published in August 2024 by the Society of Actuaries Research Institute. It explores the implications of AI and large language models on retirement planning, providing insights and discussions on the topic.

Description: This session will cover the current and potential use of artificial intelligence (AI) in the health care space. Participate in this interactive session and learn how AI is being used today and discuss its potential to reshape and revolutionize health care. You will get an opportunity to learn how AI can influence patient experience in every phase of healthcare delivery and talk about the challenges and limitations that arise with the use of this technology.

Description: Over the past three years, we have seen technology take hold of consumerism, becoming the key operational component to remaining competitive in an increasingly digital marketplace. In the insurance sector, today's consumers want digital, personalized solutions for all of their needs, and they are willing to offer up personal information in exchange for more personalized coverage that is based on their behaviors and lifestyle choices. If insurers want their products to be recognized as an essential in the virtual 'wallet' of Millennial consumers, they must re-assess their digital service strategy with an emphasis on customer service and rewarding the consumer. Participate in this session to explore consumer trends in the life insurance industry. You can also join the discussion about the key facets of a successful digital solution, based on the digital service strategies of current market makers who have capitalized on the boom of custom apps, social media sites and other digital distribution channels to market their products to Millennials.

Description: The frequent use and complexity of today's actuarial projection models has increased the importance of having efficient models. Model optimization can reduce both cloud costs and overall end-to-end clock times, thereby allowing companies to do more with less such as reducing close times, increasing controls, enhancing analysis, doing more complicated calculations, and/or improving employee workloads during the close. From design and data to execution and audit, come explore techniques that can be applied throughout the actuarial modeling process to optimize actuarial models for improved run-time, accuracy, and reliability. There will be a focus on techniques that don't rely on model compression. Topics covered include model design pitfalls, data handling, improving convergence on asset-liability projections, strategies for interacting with the cloud, and other tips for optimizing actuarial models.

Description: Volatile interest rates, repositioned investment portfolios, and stress in the banking sector are driving insurers to manage market risk and counterparty credit risk. Our experts in investments, derivatives, and hedge accounting will discuss this new market environment and its impact on hedging. The conversation will include practical case studies, including hedging future bond purchases, hedging floating-rate CLOs, and counterparty credit risk management.

Description: Electronic Health Records, or EHRs, are a major worldwide initiative to eliminate paper recordings – including Attending Physician Statements (APSs) – of an individual’s medical history and current treatment.

Description: This paper explores how molecular biology, specifically epigenetics, may impact the life insurance industry, and considers the effects of utilizing epigenetic biomarkers for underwriting.

Description: Join a dynamic panel of accelerated underwriting (AU) experts as they discuss results from three recent AU industry surveys, including from the Society of Actuaries (SOA) and two reinsurance studies. They'll share similarities and examine differences in their findings as they cover historical trends, current practices and their outlooks on the future of this evolving underwriting paradigm. By the conclusion of the session, you will have gained knowledge on the data and trends available from these surveys, as well as understand what AU program modifications are needed to keep pace with the industry.

Description: Decentralized insurance alternatives is a rapidly expanding sector of Decentralized Finance (DeFi), an emerging and growing financial ecosystem powered by blockchain technologies. The purpose of this report is to review and discuss the business models and operating designs of decentralized insurance alternatives, which may have significant implications for traditional insurance businesses, as well as the actuarial profession.