John Turner
Head of Life & Health Underwriting-Continental Europe Swiss Reinsurance Company Ltd.
President, European Life & Health Underwriting Association (ELHUA)

Balancing the need to stay within pricing assumptions and being profitable as insurers while reflecting increasing societal demands for access to insurance for all has become a constant challenge in many countries. In an era of ever increasing focus on ending discrimination in all its forms, what is the future of risk selection and indeed private insurance? How much are consumers prepared to accept in the name of fairness? John will provide an analysis of the current regulatory challenges to risk selection in Europe and other markets and discuss the risk of such restrictions spreading into North American insurance law and what can you as insurance professionals do to help avoid excessive or damaging regulation in your country.