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Human, Life & Health Risks
Committed To Securing Livelihoods
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Modelling Mortality & Morbidity Risk
Life, health and longevity face many uncertainties in our ever-changing world. The global increase of infectious diseases and the resulting pandemics, the global threat of terrorism, not forgetting the contribution of earthquakes, flooding and tsunamis to some of the highest mortality catastrophes in human history. Infinite Observations offers a state-of-the-art cloud-based platform that provides models and data to perform specific analytics for assessing and managing extreme mortality, morbidity and longevity risk, while providing insightful causal analyses.
Our models incorporate stochastic risk modelling, mathematical biology, and epidemiology along with modelling science, technology, and expertise from the insurance industry to give detailed analyses and quantify across perils based on key differences among individuals, lifestyle habits, ages, gender, culture, socioeconomic factors and geographic location or environment to get a holistic view on risk.


Mortality & Morbidity Risk Models
Modelled Regions :
Click a region to see countries or islands where courage is available.
North America
Europe
Middle East
Central America & Caribbean
Asia & Pacific
Latin America
Africa
Australia
North America
Canada
United States
Mexico
Central America
Belize
Costa Rica
El Salvador
Honduras
Nicaragua
Panama
Caribbean
The Greater Antilles
Cuba
Puerto Rico
Jamaica
Cayman Islands
Hispaniola:
Haiti
Dominican Republic
Lucayan Archipelago
Bahamas
Turks and Caicos Islands
Lesser Antilles (Leeward Islands)
Anguilla (UK)
Saint Martin (Fr.)
Sint Maarten (Neth.)
Saint-Barthélemy (Fr.)
Saba (Neth.)
Sint Eustatius (Neth.)
Saint Kitts
Nevis
Antigua
Barbuda
Redonda
Bermuda
Montserrat (UK)
Guadeloupe (Fr.)
La Désirade (Fr.)
Marie-Galante (Fr.)
Les Saintes archipelago (Fr.)
St. Thomas (US VI)
St. John (US VI)
St. Croix (US VI)
Water Island (US VI)
Tortola (UK VI)
Virgin Gorda (UK VI)
Anegada (UK VI)
Jost Van Dyke (UK VI)
Aruba (Neth.)
Curaçao (Neth.)
Bonaire (Neth.)
La Orchila
La Tortuga
La Blanquilla
Margarita Island
Coche
Cubagua
Los Roques Archipelago
Lesser Antilles (Windward Islands)
Dominica
Martinique (Fr.)
Saint Lucia
Barbados
Saint Vincent
Grenadines
Carriacou
Petite Martinique
Grenada
Trinidad
Tobago
South America
Argentina
Bolivia
Chile
Cayman Islands
Colombia
Ecuador
Guyana
Guiana (Fr.)
Paraguay
Peru
Suriname
Uruguay
Venezuela
Europe
Andorra
Austria
Belgium
Bulgaria
Czech Republic
Denmark
Estonia
Finland
France
Germany
Greece
Hungary
Iceland
Ireland
Italy
Latvia
Liechtenstein
Lithuania
Luxembourg
Malta
Monaco
Netherlands
Norway
Poland
Russia
Spain
Sweden
Switzerland
Turkey
United Kingdom
Vatican City
Asia & Pacific
East Asia
China
Hong Kong (China)
Macau (China)
Japan
North Korea
South Korea
Taiwan
South Asia
Bangladesh
India
Maldives
Sri Lanka
South Asia
Brunei
Cambodia
Indonesia
Laos
Malaysia
Myanmar
Philippines
Singapore
Thailand
Timor-Leste
Vietnam
Australasia
Australia
New Zealand
Melanesia
Fiji
New Caledonia (Fr)
Papua New Guinea
Solomon Islands
Vanuatu
Micronesia
Guam (US)
Kiribati
Marshall Islands
Nauru
Northern Mariana Islands (US)
Wake Island (US)
Polynesia
American Samoa (US)
Cook Islands (NZ)
Easter Island (Ch)
French Polynesia (Fr)
Niue (NZ)
Norfolk Island (A)
Tonga
Tuvalu
Samoa
Wallis and Futuna (Fr)
Human Vulnerability, Exposure & Risk Modelling





Mortality Projection Models
Traditional methods of estimating life expectancy based on historical projections does not capture the current longevity trends accurately. Aggregated historical data can conceal trends in subpopulations, such as age related drug abuse or obesity based on geographic location. Infinite Observations Mortality Model suite offers a wide range of projections for life expectancy across many hazards, geolocations and professions. Our Mortality Model presents the major projected causes of death in several categories. Our model makes analyses based on stochastic (variations in risk) catalogues that contain realistic projections of individual mortality for each of the next 130 years. To achieve a more granular resolution individual health, behaviour and biomedical data can be inputted. This type of morality modelling can be used by insurers for policyholder at the individual portfolio level.
Quantifying Mortality Losses
Assessing mortality projections or estimates based on catastrophic events, such as emerging infectious diseases, mass-casualty terrorism, natural hazards, pandemics, can be exceptionally difficult. Take a pandemic for example, in today’s interconnected world a disease can spread extremely rapid and cause unimaginable losses in terms of economics and above all human health and life. At Infinite Observations we take into consideration various sources of uncertainty, which means explicitly capturing population spatial and temporal dynamics, varying availability and efficacy of medical interventions due to patient age and health, the availability of healthcare, economic resources, etc., which result in a probabilistic solution. Morbidity and mortality are quantified by converting into economic losses by applying appropriate constraints. Infinite Observations Mortality Projection models can be validated entirely or as individual components. They are validated against loss data from multiple historic events, and , and other (inter-)national and local health agencies such as World Health Organization, the United States Centers for Disease Control and Prevention (CDC), the European Centre for Disease Prevention and Control (ECDC).





Associated Risks
Infinite Observations offers a broad spectrum of climate change related solutions and insights from the identification of climate risk to the quantification and validation of associated losses as well as analytics.
Climate Change
Global trade in the agriculture plays a crucial role in delivering clothing and food to consumers worldwide and it played a vital role in reducing food insecurity. However, this …
Earthquake
Infinite Observations offers models to better prepare residents, businesses and governments for the human as well as the economic consequences of catastrophic earthquakes …
Environment
Environmental risks are not only related to exposure from natural catastrophes but are also associated with human behaviour. Thousands of businesses worldwide ranging in size from …
Flood
Flood damage accounts for an increasing amount of catastrophe losses as a result of our changing climate. As more and more of the global population and wealth are …
Livestock
Recognition of the fact that individual health is depends on the people and animals around us, and the environment in which we develop. Achieving comprehensive health requires …
Windstorm
Primarily North America, Europe and Northern Asia are affected by hazards such as winter storms and blizzards. The damage as a consequence of a major winter storm can …
ZineQx - Infinite Observations
