Future Underwriting: Driven by Data and AI, Powered by Human Intelligence

If there was only one word to write large on the underwriter’s wall today it would be data. The underwriters that do not leverage data, whether big or small, structured or unstructured, in their decision-making processes stand to lose. Firstly, their loss ratios will continue to be relatively high, while others are reducing theirs, resulting in relatively higher expense ratios. Underwriters performing manual tasks are much costlier and less efficient than automation. Inefficiency they cannot afford. Customers are demanding personalized, relevant, efficient, digital solutions delivered with outstanding service, and insurance, the backbone of global commerce and a backstage pass to the world, is no exception.

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