Insurtech, trust and using data for good

Life insurers have been continuing the journey towards automated pricing and underwriting, influenced by the growth of insurtech and the desire to make more use of data. However, greater use of data raises questions about trust. Are policyholders willing to give more data? Would they do so only if it could result in lower premiums? If so, what will be the penalty for other policyholders, as average premiums must - all other things being equal - remain constant? The ideal for insurers would be to have access to the electronic health records of policyholders, which would allow much more...