Underwriting Isn’t Disappearing — It’s Evolving

Underwriting has always been a balance of rigor and judgment. What’s changing isn’t the need for underwriters — it’s where their time creates the most value.

In this short video from our partners at UnderwriteMe, senior development underwriters Adam Ware and Peter Martin reflect on how the role has evolved over the past two decades — and what they’ve learned by working hands-on with AI in real underwriting environments. The takeaway is refreshingly grounded: automate what’s repeatable, validate what matters, and protect the places where human discernment is still the difference-maker.

A great example is UnderwriteMe’s AI Engine for Post-Issue Audits, shaped through a six-month beta with three leading UK insurers. Rather than simply summarizing evidence, the focus is on misrepresentation detection — helping teams skip clean cases and expand audit coverage without adding headcount. That’s not “AI for AI’s sake.” It’s practical leverage: scale, consistency, and a faster path to the files that truly need expert review.

If you’re thinking about where automation belongs in underwriting — and where trust must be earned — this is worth two minutes. Watch the video to hear how UnderwriteMe is helping define the next phase of underwriting.