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Location revelation
Group life providers scaled back their coverage in the wake of the terror attacks on the World Trade Centre in 2001, but by taking a more sophisticated approach to modelling its risk exposure, Unum is now able to offer cover across the entire country. Aaron Woolner reports
![p17-curness-jpg p17-curness-jpg](/sites/default/files/styles/landscape_750_463/public/import/IMG/400/80400/p17-curness-jpg5428-580x358.jpeg.webp?itok=LY49MOG_)
The two planes that crashed into the Twin Towers on 11 September 2001 were responsible for a number of unprecedented events, including a $4.5 billion (£2.75 billion) payout, which ranked as the largest single insurance claim in history. But it was not just replacing the buildings that cost the insurance industry - with the World Trade Centre (WTC) housing a large number of financial companies, the 3,000 deaths meant a massive group life payout for insurers.
Group life is essentially a simple
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