Dan is an epidemiologist and digital demographer with 25 years experience in the insurance industry. He led global multi-disciplinary research teams at Swiss Re and Willis Towers Watson in diverse areas including forward-looking risk models, behavioural science and the rapd development of digital ecosystems that will transform how insurance is distributed and how risk is assessed, managed and mitigated. Dan is an internationally recognised expert on demographic trends, emerging insurance risks and digital innovation. He pioneered the concept of disease-based models of mortality using electronic health records and was a key contributor to the development of the Pandemic Emergency Facility with the Institute of Medicine, WHO and World Bank. Dan has an MA in Medical Sciences from Cambridge University and an MBA from Heriot-Watt University. He is currently engaged in a DHealth at the University of Bath that is examining the role of medication adherence in improving the management of hypertension in stroke.