Insurance Underwriting

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 February 11, 2022

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Insurance underwriting is a process by which an insurance company assesses the risk and profitability of insuring a home, car, phone, or individual in the case of Life, General or Health insurance. Underwriting is a complex process that involves data, statistics, and guidelines provided by actuaries. All of this work helps underwriters predict the likelihood of most risks.

Driven by the need for efficiency and evolving customer expectations, most insurers have been moving steadily toward greater digitization. New data and technology are expected to drive underwriting digital transformation with the use of automation, alternative data, and artificial intelligence (AI).

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