Designing the Policy of the Future: Where human judgement, AI, governance converge

Focusing on the commercial market, the discussion examines how insurers can harness AI to personalise products at scale, improve retention and drive efficiency, while maintaining control, transparency and regulatory confidence in an environment where decision-making is becoming increasingly automated.

The topics covered include:

• The evolution of underwriting: from manual decision-making to AI-supported and agentic models, and what the next five years could look like.
• Building personalised policies at scale: using data and AI to better match products to individual customer needs and improve retention.
• Human vs machine: where underwriters add value in a world of automation, and how “human-in-the-loop” models will operate in practice.
• Governance, fairness and explainability: ensuring AI-driven decisions meet regulatory expectations and avoid unintended bias.
• The role of compliance and regulation: how the industry prepares for increasingly autonomous decision-making, and whether an “AI underwriting licence” could become reality.
• riving growth through intelligence: how AI can enable faster decision-making, increased capacity and more efficient scaling of underwriting operations.