PHI (Φ) as a single measure of health and vitality for the Whole Person (see graphic) representing multiple factors and dimensions offers the Insurers a platform to create highly individualized policies and manage the risk much more effectively
Deploy a powerful tool for risk management
PHI (Φ) as a comprehensive current state representation of the Whole Person comprising multiple factors and dimensions that affect health, vitality, productivity and cost, provides a more reliable basis for understanding, measurement, and management of the policy risk.
Institute a reliable basis for individualized policies
Interaction of multiple dimensions and their sensitivity to the overall ΦScore℠ provides a consistent and reliable basis for risk calculation and management.
Create truly individualized products based on actual rather than actuarial data.
Learn how a life insurance company can innovate products and services using PHI (Φ) model for competitive distinction......