In the risk assessment of life insurance, demographic trends and behavioural changes\ncompared to the use of new technologies are crucial today. The ability to process everincreasing\namounts of customer data, such as data from search engines, shopping portals,\nsocial media activity data or data from devices or mobile applications, enables insurers to\nreceive high quality customer data and provide them with personalized insurance purchase\noffers. The â??pay as you liveâ?? concept, where the use of technology allows the collection of\ncurrent data on key risk parameters in life insurance, such as lifestyle and health, and enables\ninteractive reactions. Market analyses show that the use of new technologies varies according\nto the characteristics and attitudes of different generations. Attitudes are examined in the\narea of using new technologies in life insurance. This study hypothesizes that the attitude of\nbuyers will change depending on the generation (age). To test this hypothesis, the results of\nsurveys conducted in Poland are presented. A sample of 304 respondents was analysed, based\non a survey conducted in the period June-July 2019. To analyse the results and assess the\ncorrelation between certain features, the authors performed a chi-square independence test,\nFisher's exact probability test and a Mann-Whitney U test. Findings show that despite the\nwidespread use of mobile devices, the number of respondents who would agree to monitor\ntheir health and share data with an insurance company is small. Only 32% of the people using\nthese mobile applications would provide the insurance company with data on their life\nparameters, health condition, physical activity and lifestyle in exchange for reducing\ninsurance premiums when purchasing life insurance. In this group, 35% of the respondents\nwould expect to receive a free smartwatch or a free smart band from the insurance company.\nMost respondents (68%) would not do this, mainly due to concerns about privacy and a fear\nof raising the insurance premium. Surprisingly, against the background of the analysed\ncharacteristics of the generations, it is worth noting that there is no significant difference\nbetween the generations. On the other hand, this study found that there is a significant\ncorrelation between genders and also between BMI and the acceptance of monitoring.
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