Francois Millard is Senior Vice President at Vitality Group, a member of South Africa-based Discovery Holdings Limited. He leads Vitality's sciences agenda and the practical application thereof. Areas of current focus includes Covid-19 resilience linked to behavioral risks, lifelong health & financial security, corporate health and sustainability, along with the application of data, design, technology, incentives, behavioral economics to improve outcomes in these dimensions. The work is central to the Discovery Group’s Shared-Value Insurance model. He is a Fellow of the Institute and Faculty of Actuaries in London, the Society of Actuaries in the US and a Member of the American Academy of Actuaries.

Click here to learn more about smoking risks from the perspective of insurers: https://www.oliverwyman.com/content/dam/oliver-wyman/v2/publications/2019/November/insurer-perspectives-on-smoking-risks.pdf