Topic
Health and life insurance
258 stories · tracked since Aug 5, 2024 · latest Sep 21, 2026
Health and life insurance covers medical costs or pays a sum on death or disability, sold directly, through employers, or via brokers and agents. The two lines are often bundled together in employee benefits packages even though they are priced and regulated separately.
How a policy is priced, sold and paid out
Life insurance pays a lump sum on death or a defined disability event; health insurance reimburses medical costs or pays cash benefits during treatment. Carriers set premiums using actuarial mortality and morbidity tables, then distribute through brokers, agents, employer group plans, or embedded partnerships inside another company's product. A policy administration system holds the contract, a third-party administrator or claims platform processes what is owed, and a broker or benefits consultant usually sits between the carrier and the person buying cover.
What makes underwriting and distribution hard
Health and life underwriting depends on medical and lifestyle data scattered across providers, pharmacies and prior insurers, so carriers and brokers spend heavily on connecting records rather than pricing risk. Distribution is layered too: an employer chooses a benefits plan, a broker negotiates it, and an employee picks among options during a short enrollment window, which makes onboarding speed and clear plan comparison as important as underwriting. Claims handling for chronic and long-tail health conditions adds another layer of manual review that automation has only begun to touch.
What the activity below shows
Coverage here mixes established carriers such as Ageas Federal Life, SBI Life and FWD Life with dedicated health insurers such as Jubilee and Galaxy Health Insurance, and a layer of technology vendors, from policy platforms like Duck Creek and Vertafore to distribution tools like Luma and iPipeline, that sell into both. Much of the recent activity is partnership and embedded distribution, a health insurer teaming with a digital platform to reach new customers, alongside leadership moves at established carriers. The nearest neighbouring subjects are funding, partnerships, and claims and underwriting, reflecting how often a health or life story is really a distribution story.
How health and life differ by market
The two lines diverge by geography as much as by product. In the United States and Canada, life insurance is largely sold through agents and employer group benefits, with health insurance bound up in a separate, heavily regulated employer and government system. In India, life insurers such as Aditya Birla Sun Life, Bajaj Life and SBI Life sell retail savings-linked policies alongside pure protection, while health cover moves increasingly through digital brokers and embedded partnerships. In Africa, health insurers such as Jubilee lean on mobile and embedded channels to reach customers carriers could not otherwise afford to serve.
Written by Insurtech Daily from the coverage below.
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Coverage
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Digital Health Insurance Platforms vs. Traditional Brokers: What Consumers Should Know in 2027
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Jubilee Health Insurance named best digital insurance provider
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Life insurers go 99% digital amid IRDAI's distribution overhaul
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Jubilee Health Insurance named best digital insurance provider
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Jubilee Health Insurance named Best Digital Insurance Provider at Kenya E-Commerce Awards
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Zhibao Technology Expands Healthcare Data Infrastructure Through Changzhou Insurance Platform Agreement
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Zhibao Technology Inc. Expands Healthcare Data Elements Infrastructure via Joint Initiative with Hyperchain and Changzhou City Data to Provide Insurance Services to over 5 Million Residents
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Group health underwriters must govern AI-assisted decisions
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Verisk and Qantev collaborate to help health insurers in APAC and GCC markets
Verisk and Qantev, an AI claims intelligence platform for health and life insurers, have announced a collaboration for insurers in the Asia-Pacific and Gulf Cooperation Council markets, designed to help health and life…
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Pakistan’s Non-Life Insurance Market Estimated at $1 Billion — TPL Insurance CEO Muhammad Aminuddin
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Kyobo Life to Absorb Lifeplanet, South Korea's First Digital Life Insurer, After 13 Years
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Kyobo Life Insurance will merge its Internet life insurance subsidiary Kyobo Life Planet Life Insura..
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BROCK Acquires DigitalBGA Health Division, Expanding Its Health Insurance Distribution Platform
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BROCK Acquires DigitalBGA Health Division, Expanding Its Health Insurance Distribution Platform
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MNK Group acquires Danish non-life insurer ETU Forsikring
MNK Group, the independent international insurance group, has completed the acquisition of 100% of Danish insurer ETU Forsikring A/S, following approval from the Danish Financial Supervisory Authority (Finanstilsynet).…
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Insurtech Sixfold launches AI Underwriter for life and health insurance
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Manulife Asia Insurance and Ant Health explore cross-border healthcare services
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HelmGuard raises $7.3 million
The platform serves companies in financial services, insurance, healthcare and industrial sectors.
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Gradient AI expands Renewal Analytics for group health insurers
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Certua Life partners with Heka to offer Surely life insurance
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NEOS partners with Marloo
NEOS is an Australian life insurance distributor.
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Run-off liabilities reach $2.57bn YTD following slow H1 start: PwC
Combined gross liabilities of the non-life insurance run-off market reached an estimated $2.57 billion in 2026 year to date, driven by 18 publicly announced deals across eight acquirers, according to data from PwC. The…
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Reports suggest Samsung Fire & Marine plans to increase stake in Canopius
Reports have emerged suggesting that Samsung Fire & Marine Insurance and Samsung Life Insurance, both part of South Korea’s Samsung Group, are planning to acquire an additional 50% stake in specialty and P&C re/insurer…
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Group health insurer margins thinned - and renewals will show it
MFA data shows medical costs outpaced premiums in the employer-group segment for the second straight year
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Health insurance switching intent hits a new high before open enrollment
Survey data show 42% of adults may change plans, with network access beating price as the top priority
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Buying life insurance online? Beware of fake policy offers, phishing links and payment scams
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Corgi looks to expand into life and health insurance
Corgi currently focuses on commercial insurance for startups and recently entered trucking insurance through a program with Trucker Path Insurance.
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People Moves: Ellis Joins Alliant Denver Employee Benefits Team
Alliant Insurance Services added Rebecca Ellis as assistant vice president within its employee benefits group in the Rocky Mountain region. Ellis will partner with employers throughout the Western region to develop…
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Freestone Acquires Illinois-Based 360 Benefits
Freestone Insurance Group, a Shore Capital Partners portfolio company, has acquired 360 Benefits, an employee benefits focused brokerage based in Chicago. 360 serves privately held, middle-market employers across a…
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A$385m ClearView deal: Zurich completes Australian life buy as composite insurers rebuild protection books
Zurich has completed its acquisition of ASX-listed life insurer ClearView Wealth, a move that underlines a wider strategy among global composite insurers to rebuild the life and protection books their rivals spent years…
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Alliant Insurance Services Acquires Nava to Scale AI-Native Employee Benefits Model
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Integrity partners with Meraz Health Insurance Agency
The agency specializes in Medicare Advantage, prescription drug and Medicare supplement plans, with a particular focus on serving the Latino community.
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Bowtie launches supplementary medical plan for chronic-condition patients and public healthcare users
Bowtie has launched Bowtie StillCover, a supplementary medical insurance plan designed to provide additional protection for Hong Kong residents who rely on public hospitals or have chronic conditions that can make…
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Health insurance keeps 23 million US workers from quitting
New Gallup data show lock is concentrated among workers with incurable conditions - the same population driving above-average claims
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Health tech vendor breach hits 3.8 million patients' benefits data
A little-known revenue cycle software firm exposed insurance policy numbers and claims data for millions
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Insurtech Heathos launches unified life insurance platform for agencies
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Liberty Mutual taps insurtech Ethos to launch instant digital life insurance
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Insurtech Azos raises $24 mn to expand AI push in Brazil life insurance
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Generali Calls on Insurtech, Healthtech Startups to Join First Accelerator
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NextRock unveils plans to establish life insurance and reinsurance platform
Japanese holding company NextRock Group has unveiled plans to establish a life insurance and reinsurance platform, NextLife Insurance Group, with operations and entities in Bermuda and Delaware. NextRock describes…
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Inshurik raises $840,000
Inshurik offers an AI platform for life insurers focused on improving policy retention.
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Private credit now dominates life insurer bonds as NAIC rewrites the rulebook
Nearly half of all life industry bonds are privately placed, prompting the NAIC to overhaul how it classifies and discloses insurer investment risk
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Inszone acquires Washington employee benefits agency Radwick & Lightle
California-based Inszone is a national insurance brokerage offering property & casualty and employee benefits solutions through offices across 26 states.
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ALIRT research finds US life insurers continue expanding Bermuda reinsurance activity
ALIRT Insurance Research, a US insurance research and analytics firm specialising in financial analysis of insurance companies, has released a new report examining the increasing use of offshore reinsurance by the US…
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Integrity partners with LIT Financial
LIT Financial offers life insurance and annuity products nationwide while focusing on recruiting, training, and developing new insurance agents.
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Thailand’s life insurance digital channel is closing in on agents
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Tata AIA Life Insurance Appoints Kamlesh Jobanputra as Chief Technology Officer
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Fitch reports growing governance considerations for US life insurers following Delaware life investment reclassification
Fitch Ratings, the credit ratings agency, has highlighted the potential governance implications for the US life insurance sector following Delaware Life Insurance Company’s recent reclassification of certain investments…
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The Hartford To Acquire Equitable’s Employee Benefits Biz
In a deal designed to boost The Hartford’s growth in the small and midsized employer segment, the Connecticut-based insurer announced a deal to acquire Equitable’s Employee Benefits business, focusing on flexible…
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The Hartford To Acquire Equitable’s Employee Benefits Biz
In a deal designed to boost The Hartford’s growth in the small and midsized employer segment, the Connecticut-based insurer announced a deal to acquire Equitable’s Employee Benefits business, focusing on flexible…
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UNest adds Ladder life insurance offering
Life insurance is not new to UNest.
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Talcott partners with Goldman Sachs to launch $1bn West Grove Re sidecar
Talcott Financial Group, a life insurance provider specialising in risk solutions, in partnership with Goldman Sachs, has established a Bermuda-domiciled reinsurance sidecar called West Grove Re, Ltd, which has closed…
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Goldman Sachs, Talcott Launch $1 Billion Bermuda Reinsurance Sidecar
Talcott Financial Group and Goldman Sachs have launched a Bermuda-domiciled reinsurance sidecar West Grove Re, the life insurance provider said on Tuesday, which has so far raised $1 billion. The capital raise includes…
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Insurers know a mega cyber-loss is coming. So why is capacity still growing?
CrowdStrike, AWS, Change Healthcare: the near-misses keep piling up. The market keeps writing more business anyway
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Zurich Australia names retail life claims leader
Zurich Australia provides life insurance to more than 1.5 million customers through the Zurich and OnePath Life brands.
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Ageas Federal Life Insurance Expands Gaurav Dubey’s Leadership Responsibilities
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Ageas Federal Life Insurance expands leadership roles across strategic partnerships, distribution and digital businesses
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VitalityLife adopts Swiss Re’s PromiseXP technology to enhance life insurance claims process
VitalityLife has partnered with Swiss Re to deploy the reinsurer's PromiseXP claims assessment platform across its term life and whole of life insurance business, as part of efforts to enhance its claims handling…
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Third Wave Insurance acquires five Gulf Coast businesses
The acquisitions expand Third Wave’s capabilities across employee benefits, commercial P&C, self-funded healthcare administration, retirement and wealth management.
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Why the life insurance knowledge gap requires connected data
Showing the 60 most recent of 258.