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Research, Fundamental

Insurance: Can AI Improve Personal Lines Underwriting Profitability?

Catherine A. Seifert, VP of Equity Research

31 January 2024

Summary

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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