Future of Rail: trends in rail passengers, rail freight, railway innovation - Rail Trends Keynote

Future of the Auto Industry - mega trends impacting the auto industry. Futurist Keynote for Belron

How to make virtual keynotes more real and engaging - how I appeared as an "avatar" on stage when I broke my ankle and could not fly to give opening keynote on innovation in aviation for. ZAL event in Hamburg

"I'm doing a new book" - 60 seconds to make you smile. Most people care about making a difference, achieving great things, in a great team but are not interested in growth targets. Over 270,000 views of full leadership keynote for over 4000 executives

Futurist Keynote Speakers - how Futurist Keynotes transform events, change thinking, enlarge vision, sharpen strategic thinking, identify opportunities and risks. Patrick Dixon is one of the world's best known Futurist Keynote Speaker

Futurist Keynote Speaker: Colonies on Mars, space travel and how digital will help us live decades longer - comment before keynote for 1400 at Avnet Silica event

Future of Travel and Tourism after COVID. Boom for live experiences. What this means for future of aviation, airlines, hotels, restaurants, concerts halls, trends in leisure events, theme parks. Travel Industry Keynote Speaker

Quiet Quitters: 50% US workforce wish they were working elsewhere. How engage Quiet Quitters and transform to highly engaged team members. How to tackle the Great Resignation. Human Resources Keynote Speaker

The Great Resignation. 50% of US workers are Quiet Quitters. They have left in their hearts, don't believe any longer in your strategy. 40% want to leave in 12 months. Connect with PURPOSE to win Quiet Quitters. Human Resources Keynote Speaker

Future of Human Resources, virtual working, hybrid teams, motivation, management, future of motivation and career development. How to develop high performance teams. HR Keynote Speaker

Speed of change often slower than people expect! I have successfully forecast major trends for global companies for over 25 years. Focus on factors driving long term changes, with agile strategies for inevitable disruptive events. Futurist Keynote Speaker

Agile leadership for Better Risk Management. Inflation spike in 2022-3 - what next? Expect more disruptive events, while megatrends will continue relentlessly to shape longer term future globally in relatively predictable ways. Futurist Keynote Speaker

Crazy customers! Changing customer expectations. Why many decisions are irrational. Amusing stories. Lessons for Leadership, Management and Marketing - Futurist Keynote Speaker VIDEO

TRUST is the most important thing you sell - TRUE for every business. How to BUILD TRUST, win market share, retain contracts, gain new customers. Future of logistics and supply chain management - Futurist Keynote Speaker

Future of Sales and Marketing beyond COVID - hybrid event in Vilnius: physical audience of 800 + 300 virtual. Digital marketing, location marketing. How to create MAGIC in new marketing campaigns. Future of Marketing Keynote Speaker

Chances of 2 people in 70 having same birthday? Managing Risk in Banking and Financial Services. Why the greatest risks are combinations of very unlikely events, which happen far more often than you expect. Keynote speaker on risk management

Compliance is Dead. How to build trust. Reputation of banks and financial services. Compliance Risks. Why 100% compliance with regulations, ESG requirements etc is often not enough to prevent reputational damage

Life's too short to do things you don't believe in! Why passionate belief in the true value of what you are selling or doing is the number one key to success. Secret of all leadership and marketing - keynote for 1100 people in Vilnius October 2021

Future Manufacturing 5.0. Lessons from personal life for all manufacturers - why most manufacturing lags 10-15 years behind client expectations in their day to day life. Manufacturing 4.0 --> Manufacturing 5.0. Future of Manufacturing Keynote

80% of sales are won or lost in 3 seconds, How to grow your business by giving attention to small things that really matter. Future of Marketing, Futuris Keynote Speaker - Pardavimu formule in Vilnius

Should gene screening for insurance be allowed?

Futurist Keynote Speaker: Posts, Slides, Videos - Future of Insurance - Keynote Speaker on Risk

Testing for genetic disease - genetic underclass, fail the gene test and lose your insurance

  • Gene screening for insurance is very controversial but has been approved in many countries. Genetic screening for disease is cheap and fast.
  • Federal agencies are banned from discriminating on the basis of genetic testing.
  • The Genetics Advisory Commission in the UK recommended that insurance companies can ask about previous gene screening.  
  • The Association of British Insurers also supports gene screening information being given to insurance companies.
  • Gene screening involves taking either a blood or a saliva sample and testing it for certain known gene defects.
  • This genetic prophecy enables doctors to make accurate predictions about the risk of future diseases such as Alzheimer's disease, breast cancer, bowel cancer and Huntington's Chorea.
  • The fear is that gene screening for insurance means that some individuals with gene problems become uninsurable for life or health cover and orm a genetic underclass, unable to get a house mortgage for example.
  • However insurance companies are also very worried about gene screening. Some companies  offer online kits for saliva gene screening.  It is also possible for someone to go to a private clinic and get a gene test without their own doctor ever knowing the result.
  • Such a person can then go to an insurance company and take out a huge amount of life or sickness cover without disclosing their true gene test results, knowing they are likely to become ill or even die sooner than the average person.
  • The winner in that situation is the person with all the facts - the losers are all the others who have policies with the same company who at the end of the day will be covering the massive insurance payouts.
  • The same problem occurred with HIV testing and insurance companies, where many people found out that they had HIV without telling their own doctors.  When some then took out large amounts of life cover, their own doctors wrote on their medical reports that they had a clean medical record, and they got the insurance cover.
  • Insurance companies then began either excluding HIV-related illness from payouts, or asked about previous HIV tests.  They also started insisting on HIV tests for anyone who applied for a large life insurance cover.
  • So the situation is complex.  Insurance companies in Britain may have got the balance about right by going as far as asking if the person has ever had a gene test and if so what is the result?
Need a world-class insurance keynote speaker? Phone Patrick Dixon now or email.

Articles and Videos on Future of Insurance

Future of Banking, Insurance and other Financial Services

Future of online insurance

Why small business insurance often fails to protect

Should genetic screening be allowed for life and health insurance?

Gene tests for insurance - ethical and legal issues - video

Many other videos by Patrick Dixon on insurance industry trends

Future of insurance and wealth management

Reducing risk in financial services / insurance industry

List of insurance industry clients - insurance industry corporate events

Insurance Conference Keynote Presentations - slides

Future of Insurance Industry - wider global trends - for clients of Swiss Re in Asia.  Conference keynote presentation.

Future Trends - for insurance industry audience with interest in sustainability.  For Kilne Group.

Future of insurance and wealth management in South East Asia - internal event for senior leadership of leading global insurer.

Reducing Risk in Financial Services - risk management and investment banking. Keynote for global risk management team of Investec.

Sustainable business - leadership issues - global warming, climate change, wider environmental issues, risk management, personal and family sustainability.

Future of the global insurance industry - for HSBC Insurance global leadership team

Insuring a Rapidly Changing World - major trends relevant to life insurance and health cover underwriting - for clients of Munich Re

Global Trends and their impact on the insurance industry - Munich Re event for clients from Asia. How the insurance industry will be affected by wild cards (low probability, high impact events), why demographic forecasts for ageing and pensions liabilities are incorrect, the development of insurance industry in emerging markets, single issue activism and a rethink about business ethics.

The Future of Insurance, Pensions, Fund Management, Health and Life - Internal event for senior team members of Allianz looking at opportunities and challenges from such trends as new technology, demographic shifts, emerging markets and lifestyle choices. What will happen to life expectancy and the latest on ageing.

HSBC Chairman's Leadership Summit September 2005 - Opening keynote at event for HSBC senior leadership on issues likely to impact the bank, for some of the senior HSBC global leadership team.

Global Trends in Banking and Financial Services - executive training programme for senior teams at Credit Suisse, covering a broad range of issues that are likely to affect the bank and personal / corporate clients.

Managing risk in an uncertain world - Risk management client event for Zurich Financial Services in Lucerne Switzerland. How to manage risk more effectively, with clear vision of future potential liabilities and "wild cards". Many of the greatest risks are the hardest to measure - for example loss of brand value, reputation, sales and share value following high profile scandal. Risk management is becoming more complex and new strategies are needed, including better early warning systems.

The Future of Commercial Insurance Brokers - and related issues. Client event for Zurich Financial Services for their largest commercial insurance brokers in the UK, covering important insurance-related trends and risk management.

Need a world-class insurance keynote speaker? Phone Patrick Dixon now or email.


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