The question is: How significant will these emerging channels become? Most are relatively new to life insurance. While in theory all have growth potential, time will tell what models ultimately achieve success at scale. Expanding Possibilities within Distribution Channels. Starting on one end of the spectrum, insurers may be motivated to form a distribution agreement with an affinity partner purely to REACH a new pool of customers. In its simplest form, this approach involves marketing insurance products to a list of prospective customers through an outbound campaign, for example using a call center, direct mail, email, or mobile.

Insurers are already moving in this direction, for example, by leveraging banking data to better understand customer needs as well as to enhance risk assessment and selection, and tailoring offers based on those insights.

Such approaches can help increase conversion rates, reduce customer acquisition costs, and improve unit economics. Personalization techniques are subject to data availability, privacy considerations, and regulations. Still, as open banking and open data models continue to grow in popularity, opportunities for data-driven personalization in channel partnerships seem likely to proliferate in ways that are mutually beneficial to the customer, the distributor, and the insurer.

To understand the value of personalization, simply observe a typical shopping mall or High Street. Shoppers slip in and out of stores, peering at displays and examining merchandise. Occasionally, a salesperson approaches, tentatively, to ask if a customer needs help. Now imagine that same attendant not only knows what customers need, but also what type of offers they would be most receptive to, and their likelihood of accepting an offer.

With such superpowers, how much more effective would that salesperson be at targeting customers and closing sales? Personalization using partner data promises to empower life insurers in just this way, providing the insights and opportunities necessary to reach the right customers at the right times, and with the right offers.

The idea? Identify natural connection points, moments when a prospect can be presented with life insurance offers in a way that is as frictionless as possible, perhaps even expected. For example, a home buyer obtaining a mortgage, or a parent preparing a digital will, may be offered the option to easily purchase life cover at the same time.

Microscopy Image Analysis. Separation Science. Conferences Events. Materials characterization company Malvern Instruments Ltd. The distribution agreement covers all geographies outside the USA and Canada Under the terms of the agreement Malvern will distribute the Archimedes Particle Metrology system, developed and manufactured by Affinity Biosensors, through its subsidiaries in Europe and Asia.

Malvern will establish a co-marketing arrangement with Affinity Biosensors in North America. Using the technique of Resonant Mass Measurement RMM , Archimedes detects and counts particles and determines their mass and size with high resolution and accuracy, in small sample volumes.

A key area of application is the measurement of protein aggregation in biotherapeutic formulations, which provides critical information needed to speed development and improve drug safety and efficacy. Archimedes provides the technology to both count and characterize aggregates, making it invaluable to biopharmaceutical manufacturers and developers. These are the Terms of Use you will be asked to agree to if you join the forum.

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