It’s All Out There: How to Underwrite with Public Information

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7 November 2017

Key research questions

  • What is the current situation in life underwriting?
  • How are the insurers adapting?
  • What are the long-term implications?


Life insurers still underwrite using the same intrusive, time-consuming process they have used for decades. In this day and age of instant gratification, some insurers are shaking up the process.

This case study focuses on the use of alternative data sources and techniques to provide a fully underwritten, virtually instantaneous decision.