Fundamental, Research

Insurance: Can AI Improve Personal Lines Underwriting Profitability?

Catherine A. Seifert, VP of Equity Research
31 January 2024


Insurance companies are struggling with unprofitability due to high claim costs and unpredictable weather patterns. To counter this trend, some carriers may integrate AI-enabled predictive analytics into their underwriting models. However, AI is not a cure-all and could widen the gap between "tech-savvy" and "tech-laggard" insurers, as well as increase execution risks.

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