Human Judgment Meets Science and Technology: How Underwriting Teams are Evolving in the Digital Age

As the underwriting industry continues to evolve, teams must adapt their decision-making processes to become more data-driven and predictive. While intuition and experience have traditionally played a major role in underwriting decisions, there is now a growing emphasis on using science and technology to make more informed decisions.

One of the key drivers behind this shift is the increasing demand for quick, digital-first experiences and fair policies from consumers. In response, underwriters are turning to automation and technology to streamline the process and better meet these expectations. By doing so, they can also improve efficiency and accuracy in their decision-making.

Despite these changes, human judgment will still play a role in some aspects of underwriting. However, the integration of data, technology, and human judgment is now seen as key to staying competitive in a rapidly evolving market. Adapting to these changes is essential for underwriting teams to thrive in the modern era.