In this issue, an interview with the American Heart Association explores how payers and providers can adapt their offerings to help support members with cardiovascular diseases; a feature looking at global healthcare premiums considers the many factors contributing to the rising global cost of healthcare; and we have two industry voices - one from Maxis Global Benefit Network, assessing the implications an ageing workforce can have on IPMI healthcare costs, and another from Swiss Re, underlining the important role that lifestyle data can play in personalising the insurance industry.