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A couple months ago, National Underwriter Life & Health Magazine published an issue focused on technology. Some of the articles got me thinking about the dynamic we in the benefits world face between the use of technology in our business and personal privacy. A couple of the trends noted were the use of big data and wearable technology as a means of underwriting insurance products.

This information got me thinking about whether these trends represent a great marketing opportunity or an invasion of privacy. I wrote a list of things that are available for most people if big data principles are used to aggregate information. Some of those things included: age and gender; where we live; whether we own a home or rent; who insures our residence and the limits on coverage; our driving record; our credit rating; our level of exercise (wearable tech); what medications we take (pharmacy scan); and what health related items we look up online. (See more in the sidebar, right).

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