Collaboration is key, whether that means working closely with our clients or ensuring strong working relationships among our own teams. In the case of FinSol, this is particularly important: our FinSol team brings together global experts with the skills and capabilities to design bespoke solutions. By working closely with local market teams, they can better understand the needs of clients, ensuring that the final solution responds to each of the client’s pain points. This global alignment is our key differentiator versus competitors and it is allowing us to embed our FinSol offering within the services we already provide. HOW ARE TECH AND DATA DRIVING INNOVATION IN THE L&H BUSINESS? R.M. Technology and data are increasingly shaping the L&H insurance industry by enabling more accurate and consistent risk assessments, more personalized buying experiences, and improved claims processing for the insured. At SCOR Digital Solutions (page 80), we leverage advanced analytics and AI to streamline underwriting, predict health outcomes, and detect fraud, leading to better decision making and reduced friction throughout the underwriting and claims lifecycle. Our recently launched GenAI-powered underwriting assistant enhances process efficiency by summarizing medical reports, saving underwriters time and providing faster access to the most relevant information. As the industry and the technology landscape evolve, SCOR remains committed to developing trustworthy, fair, and reliable AI systems that push the boundaries of both the Art & Science of Risk. . €10.2 billion gross written premiums L&H 9% LONGEVITY 5% FINANCIAL SOLUTIONS 21% APAC31% EMEA 86% PROTECTION 48% AMERICAS Gross written premium split by geographic area Gross written premium split by line of business TRANSFORMING TOMORROW WITH OUR SOLUTIONS 75
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