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High penetration of smartphones in both developed and emerging economies has led to a new era of innovation across all industries. While over half of the population in most parts of the world is smartphone-enabled, the insurance industry has been slow in catching up with this trend by employing mobility as a part of the business strategy. Due to the nature of the insurance business, mobile applications are currently more prevalent in general insurance than in life insurance. This paper outlines the factors affecting the development of mobile applications in life insurance.