ZURICH Reuters - When people take to Twitter to comment on the great evening they enjoyed with good food and wonderful friends, reducing their monthly insurance bill is probably the last thing on their mind.

But such tweets could help insurers to price premiums for individuals, with research suggesting a direct link between positive posts and a reduced risk of heart disease.

Swiss Re says technological advances will cut the price of insurance protection and help individuals and firms make better decisions through programs that offer advice and incentivise improvements in areas such as health and driving.

However, detractors fret that such developments could erode customers' privacy or lead to increasingly personalized pricing, undermining the basic principle of insurance - sharing risk.

"In a relatively short period of time, maybe a few years, most of the major insurers will have integrated lessons from behavioral research," Swiss Re's head of digital analytics catalysts, Daniel Ryan, told Reuters.

Programs such as Discovery's Vitality and Allstate's Drivewise are already putting these policies into practice.

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