💡 Exclusive Preview: Transforming Insurance with ICSL & GoMo Health’s ForwardLiving Program 💡
Insurance Collaboration to Save Lives
Global insurance leaders working to seek answers, save lives and mitigate loss
The Insurance Collaboration to Save Lives (ICSL), in partnership with GoMo Health, introduces the ForwardLiving partnership program to address the alarming rise in chronic illnesses and mortality among younger adults post-COVID-19. This initiative leverages the insurance sector’s capabilities, combining ICSL’s proactive health screening strategies with the GoMo Health evidence-based, personalized digital health engagement platform. Discover a glimpse of our white paper, Transforming Insurance Through Proactive Health Interventions: The ForwardLiving Partnership Program by ICSL & GoMo Health, with the full document available on our website.
Introduction The post-COVID-19 era has revealed a troubling health trend: a significant increase in chronic illnesses and mortality among younger adults, including those in their 20s, 30s, and 40s. These trends have profound implications for the insurance industry, with rising claims, earlier deaths, and increased financial risk across life, health, disability, and supplemental insurance lines. ICSL, a nonprofit coalition of insurance executives, actuaries, agents, medical professionals, and technology experts, has identified five key drivers of mortality: cardiac and circulatory, neurological, metabolic, cancer, and external causes (e.g., mental health issues).
The ForwardLiving Partnership Program: A Strategic Solution The ForwardLiving Partnership Program, a collaboration between GoMo Health and ICSL, integrates proactive health screenings with personalized digital health engagement to address these challenges. The program expands traditional insurance risk management and underwriting by promoting proactive health initiatives, leveraging data-driven insights.
Key Components • Targeted Health Screenings: ICSL’s initiative focuses on cost-effective blood test panels to detect biomarkers for high-risk conditions such as cardiac, metabolic, and immune-related issues. Early identification enables timely medical interventions and lifestyle changes.
• Personalized Digital Engagement: GoMo Health applies its proprietary science, BehavioralRx®, including proven behavioral and cognitive techniques—psychosocial, emotional, and physical— to address the whole person, building resilience and better supporting self-management, healthy decision-making, and sustained behavior change.
• Scalable Implementation: Implementation of the ForwardLiving program requires no additional technology, relying instead on industry collaboration and leadership to deploy screenings and digital interventions at scale.
Expected Outcomes • Health Improvements: Proactive screenings and personalized engagement are expected to reduce the incidence of catastrophic health events, improve chronic condition management, and extend healthy life years. • Workforce Support: Enhanced health management tools will empower individuals with chronic conditions or disabilities to thrive in the workforce, reducing disability-related claims. • Financial Benefits: Reduced mortality and morbidity will lower claims costs, providing significant return on investment for insurers.
Pilot Program ICSL and GoMo Health plan to launch a pilot program, partnering with a few forward-looking insurers. The pilot will: • Deploy voluntary health screenings for policyholders, focusing on high-risk groups identified through actuarial data. • Integrate the GoMo Health digital platform to deliver personalized engagement and monitor outcomes. • Use an open-source approach to share screening protocols and best practices, encouraging industry-wide adoption.
Teresa Winer , ICSL board member and actuarial team advisor, states: “Data from a pilot program could give actuaries a deeper understanding of an insurer’s risk pool and factors driving emerging trends in mortality and morbidity. An increased awareness of certain medical conditions that can be mitigated could lead to improved claims practices and assessment of risks used for projections of claim frequency, claims severity, financial strength and stability.”
Financial and Societal Impact
Societal Benefits By addressing chronic illness and excess mortality, the program contributes to public health goals, reducing the burden on healthcare systems and supporting workforce productivity. The initiative aligns with broader societal efforts to reverse declining health trends.
Proactive efforts will drive substantial non-loss value for insurers
By leveraging proactive health initiatives, insurers can create significant non-loss value by fostering healthier policyholder outcomes. Richard Watts , ICSL board member and former President of Direct Group at Progressive Insurance, asserts: “Extending insurers’ consumer-focused initiatives to include voluntary in-force blood-testing can boost consumer engagement, create generational trust and loyalty, and expand value by improving health.”
Conclusion The ForwardLiving partnership program represents a transformative approach for the insurance industry, integrating proactive health screenings with personalized digital engagement to address the rising tide of chronic illness and excess mortality. By combining ICSL’s expertise in risk mitigation with the GoMo Health BehavioralRx® platform, the program empowers insurers to save lives, reduce financial risks, and enhance policyholder well-being. This initiative marks a pivotal shift toward a health-focused insurance model, with the potential to save millions of lives and reshape industry practices.
Read the entire white paper on our website: https://www.insurancecollaborationtosavelives.org/white_paper
ICSL in the News Mary Pat Campbell and Josh Stirling, JD, MBA were featured in Life Annuity Specialist, discussing the impact of flu mortality trends on the life insurance industry.
The entire article from Aaron Smith and Life Annuity Specialist: Flu Is Eclipsing Covid as Mortality Headache for Carriers This Year
ICSL Webinar Friday, July 18th at Noon ET Join our webinar to gain insights into the latest mortality and morbidity trends from the research team at ICSL, including Mary Pat Campbell , Greg Henke, FSA, CFA , Steve Cyboran , Josh Stirling, JD, MBA , and Mitch Bagley . This session will provide valuable data and analysis to help you navigate the evolving health landscape in the insurance industry. Visit our LinkedIn page for Zoom information or send us a message on our website: https://www.insurancecollaborationtosavelives.org/contact
Impact Partners: Certificates of Life-Saving Support
We are thrilled to announce that Humaculture, Inc. is the proud recipient of our first Certificate of Impact, recognizing their invaluable contribution to our mission of saving one million lives. Their support is a shining example of how partnerships can drive transformative change in the insurance and health industries. Contact us today to learn how your company’s contribution can make a difference and earn a place on our Impact Partners webpage!