Global Benefits Vision: What is your role in your company and what is your background? Chris Burns: I am a Partner at EBCG LLC. We are a national and global employee benefits consulting firm. For over 25 years, our team of consultants has helped companies unlock hidden value in their programs. With 5 offices across the U.S., we work with both large and mid-sized companies. We are also a member of the Worldwide Broker Network (WBN), which allows us to assist our clients in over 100 countries around the world.

Global Benefits Vision: What is your role in your company and what is your background? Chris Burns: I am a Partner at EBCG LLC. We are a national and global employee benefits consulting firm. For over 25 years, our team of consultants has helped companies unlock hidden value in their programs. With 5 offices across the U.S., we work with both large and mid-sized companies. We are also a member of the Worldwide Broker Network (WBN), which allows us to assist our clients in over 100 countries around the world.

More than fifteen years ago, the first IORP Directive (Directive 2003/41/EC of the European parliament and of the Council of 3 June 2003 on the activities and supervision of institutions for occupational retirement provision) created a legal framework to support retirement services across Europe and protect members and beneficiaries. Since then, the financial crisis and other economical, demographical and social factors completely changed the conditions in Europe for retirement plans. The IORP II Directive (Directive (EU) 2016/2341 of the European Parliament and of the Council of 14 December 2016 on the activities and supervision of institutions for occupational retirement provision) is freshly conceived to respond to current conditions and better serve members.

Global Benefits Vision: Now that Brexit seems to be upon us, let’s talk about how you see it impacting Lockton and the insurance world in general. Ian Cooper: It has been quite fascinating. Insurance providers, as we know, within the single market, can passport regulatory permissions and trade across Europe.

It is important for German companies to position themselves as attractive employer brands, especially when competing for young talent in the job market. In today’s tight job market, factors that once promised reliable success in attracting new employees – remuneration, the number of leave days, pensions, company cars – are no longer the only things younger generations are looking for. Instead, non-monetary issues such as work-life balance, working atmosphere, and identification are of prime concern. These are the issues that companies should be projecting in their branding and benefits strategies.

Global Benefits Vision: Thanks for joining us today, Marco – it’s good to have you back. What is your definition of insurtech? Marco Giacomelli: Insurtech is a specialized evolution or byproduct of fintech, which is a combination of the words “finance” and “technology.” As a practical definition, we can say that insurtech is sets of strategic initiatives, specific tools, and processes designed to achieve savings and efficiencies in all insurance processes.

Lockton’s yearly Forum distinctive format includes three regional editions in North America, Asia, and in Europe. Most of the contents is common across all editions with some variations in respect of regional issues.

A measles vaccine protects against measles infection. By introducing a bit of weakened virus, the immune system learns how to deal with it, so when a real measles virus comes along, it can eliminate it. But does the immune system learn more from the vaccine? Recent research suggests, rather intriguingly, that it does.

Amin Rajan CEO CREATE – Research Amin Rajan is the founder CEO of CREATE–Research, a UK based independent research boutique that specializes in global fund management. Amin has presented the results of his work at over 100 major events in the USA, Europe and Asia Pacific in the last five years. He also acted as a senior consultant to the most prestigious Investment Banks and Asset managers.

Philipp Dienstbühl pdienstbuehl@lurse.de Lurse AG Senior Consultant Pensions and Benefits Philipp Dienstbühl began his career after his graduation (diploma in mathematics) in 2009 at Bode Hewitt GmbH as consultant and actuary. Focusing more on general consulting and sales he moved to the “Pensionskasse der Mitarbeiter der Höchstgruppe VVaG” (a Pensionskasse is special form of an insurer for occupational pension plans in Germany) where he was responsible to represent the Pensionskasse towards its employers.

Anika Ort aort@lurse.de Lurse AG Senior Consultant Anika is Senior Consultant at Lurse and Managing Director of MRH Trowe & Lurse GmbH, a Joint Venture for insurance related corporate benefits consulting. After she studied business economics in Frankfurt, Anika became a graduate with diploma in International Employee Benefits at the Pension Management Institute in London. She started at Lurse in 2013 and manages the international relationships with business partners

Christine Stabell Benn University of Southern Denmark Professor of Global Health I am a medical doctor, head of the Bandim Health Project, centre leader for the Research Center for Vitamins and Vaccines, and a professor in Global Health at University of Southern Denmark. My research focuses on health interventions and their effect on overall health in real life. Based to a large extent on work done in one of

Ian Cooper ian.cooper@uk.lockton.com Lockton Companies Partner Ian Cooper has responsibility for Lockton’s operations in Ireland and Scotland as well as the Employee Benefits businesses outside of the USA. He also lead Lockton’s strategies on Brexit and new investments. In addition, he is a Director of the British Insurance Broker’s Association (BIBA) and chairs its International and Wholesale Advisory Board. Prior to joining Lockton, he was a Senior Vice President with Marsh