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![Number Needed to Treat](/sites/default/files/styles/img_search_list_desktop/public/2023-02/ExpertViews-NNT.jpg?h=d15dc50e&itok=lmck4cYM)
Health and wellness programs can help policyholders live longer and healthier lives. The Number Needed to Treat is one tool for evaluating the effectiveness of these programs.
![Women-Football-World-Cup_1000x560](/sites/default/files/styles/img_search_list_desktop/public/2023-08/Women-Football-World-Cup_1000x560.jpg?h=8ad2c889&itok=Ju_xSqEa)
![Image Impact of the Pandemic on Life Insurance Lapses](/sites/default/files/styles/img_search_list_desktop/public/2023-01/Image%20Impact%20of%20the%20Pandemic%20on%20Life%20Insurance%20Lapses-%20L%20Survey%20Report.jpg?h=d15dc50e&itok=snTiNKgw)
US Lapse Survey Report
![Diabetes Mortality](/sites/default/files/styles/img_search_list_desktop/public/2023-01/Diabetes%20Mortality.jpg?h=d15dc50e&itok=LPaCGUB9)
The solution to stop the epidemic of diabetes won’t be simple or fast, and it will require a coalition approach.
![Mortality Trends](/sites/default/files/styles/img_search_list_desktop/public/2023-01/Mortality%20Trends.jpg?h=d15dc50e&itok=Mtx6oev_)
While the drivers of population mortality do influence life-insured experience, there are also very large effects on life-insured mortality due to the policy purchasing process.
![Largest Public Employers](/sites/default/files/styles/img_search_list_desktop/public/2023-01/Largest%20Public%20Employers.jpg?h=d15dc50e&itok=x4wfzbrc)
![Continuous Improvement](/sites/default/files/styles/img_search_list_desktop/public/2023-01/Continuous%20Improvement.jpg?h=d15dc50e&itok=y-bAFjqH)
Innovation is crucial to the long-term performance of any organization, and a culture of continuous improvement is the best way to build an innovative team.
![Predictive Models](/sites/default/files/styles/img_search_list_desktop/public/2023-01/PredictiveModels.jpg?h=d15dc50e&itok=H5nS4jWD)
Predictive models are an incredibly powerful tool with the potential to drive the life insurance industry, but the predictive power of a model should be supported by a rules-based safety net.
![Update of the H1 2022 results and Strategic update presentation](/sites/default/files/styles/img_search_list_desktop/public/2022-08/Q4-2021-D8.png?h=d15dc50e&itok=whxwAc3F)