Latest / AI Ethics with Fexingo: Bias, Safety, and Responsible Artificial Intelligence
When AI Predicts Your Life Expectancy for Insurance
Episode 49 of AI Ethics with Fexingo explores the controversial use of AI to predict life expectancy for insurance underwriting. Lucas and Luna dissect a 2025 case where a major European insurer used a machine learning model trained on lifestyle data, genetic markers, and social media activity to set premiums. They examine the accuracy claims, the regulatory backlash from the EU's AI Act enforcement, and the ethical dilemma of 'fair pricing' vs. 'fair risk assessment'. Specific examples include a 34-year-old cyclist who was charged a 40% premium surcharge because the model correlated her…
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