What Data?

Actuaries now collect all kinds of information about policyholders, which can not only be used to refine a premium calculation but also to carry out prevention operations. We return here to the choice of relevant variables in pricing, with emphasis on actuarial, operational, legal and ethical motivations. In particular, we discuss the idea of capturing information on the behavior of an insured person, and the difficult reconciliation with the strong constraints not only of privacy but also of fairness.