The use of data in the pension market

“How can data use benefit pension participants without harming collectivity or privacy?”

Insurance has always involved the use of data to estimate the likelihood of an event occurring. However the vast quantities of interconnected data that now available in our digital age raise various ethical dilemmas for pension providers. For example, should they be allowed to base pension premiums on health profiles, or may data be used to increase pensions for people with a lower life expectancy? This research does not provide a definite conclusion, but discusses different considerations that play an important role in the ethics of data usage by pension institutions.


Key Takeaway for the Industry

Data usage offers pension providers many new possibilities but also a host of ethical dilemmas that need to be navigated carefully because there are no clear-cut answers.

Netspar, Network for Studies on Pensions, Aging and Retirement, is a thinktank and knowledge network. Netspar is dedicated to promoting a wider understanding of the economic and social implications of pensions, aging and retirement in the Netherlands and Europe.


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