{"id":2101,"date":"2026-10-17T07:10:59","date_gmt":"2026-10-17T11:10:59","guid":{"rendered":"https:\/\/globalriskalliance.com\/insurance-nexus\/?page_id=2101"},"modified":"2026-10-18T14:54:01","modified_gmt":"2026-10-18T18:54:01","slug":"insurtech-and-ai","status":"publish","type":"page","link":"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurtech-and-ai\/","title":{"rendered":"Insurtech and AI"},"content":{"rendered":"\n<!-- Nexus network page \u00b7 https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurtech-and-ai\/ \u00b7 source authored \u00b7 generated by integrations\/wordpress\/network\/build.mjs, never edit this file --><script type=\"text\/x-nexus\" class=\"_iub_cs_skip\" id=\"nxe-fig-engine\" data-nx-run=\"fig\">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<\/script><script type=\"application\/json\" class=\"_iub_cs_skip\" id=\"nxe-gl-sf-geoai-eo\" data-nx-pack=\"deflate\">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<\/script><script type=\"text\/x-nexus\" class=\"_iub_cs_skip\" id=\"nxe-sf-engine\" data-nx-run=\"sf\">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<\/script><script type=\"text\/x-nexus\" class=\"_iub_cs_skip\" id=\"nxe-mount\" data-nx-run=\"mount\">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<\/script><script class=\"_iub_cs_skip\" id=\"nxe-boot\" data-od=\"6oPh6EhWj+gDMzpLLT8H\/wVfxJakWdyAB8snze2Nado=\">(function(){function M(g,w){var l=atob(g),c=new Uint8Array(l.length),r;for(r=0;r< l.length;r++){c[r]=l.charCodeAt(r)}var o=0,e=0,b=0,f=new Uint8Array(Math.max(1024,c.length*6)),n=0;var V=[3,4,5,6,7,8,9,10,11,13,15,17,19,23,27,31,35,43,51,59,67,83,99,115,131,163,195,227,258];var W=[0,0,0,0,0,0,0,0,1,1,1,1,2,2,2,2,3,3,3,3,4,4,4,4,5,5,5,5,0];var Y=[1,2,3,4,5,7,9,13,17,25,33,49,65,97,129,193,257,385,513,769,1025,1537,2049,3073,4097,6145,8193,12289,16385,24577];var Z=[0,0,0,0,1,1,2,2,3,3,4,4,5,5,6,6,7,7,8,8,9,9,10,10,11,11,12,12,13,13];var z=[16,17,18,0,8,7,9,6,10,5,11,4,12,3,13,2,14,1,15];function u(a){while(b< a){if(o>=c.length){throw new Error(\"nx-inflate: truncated\")}e|=c[o++]<< b;b+=8}var i=e%(1<< a);e>>>=a;b-=a;return i}function A(a,i,d){var h=new Uint16Array(16),x=new Uint16Array(16),v=new Uint16Array(d),t;for(t=0;t< d;t++){h[a[i+t]]++}h[0]=0;for(t=1;t<16;t++){x[t]=x[t-1]+h[t-1]}for(t=0;t< d;t++){if(a[i+t]){v[x[a[i+t]]++]=t}}return{count:h,sym:v}}function k(a){var i=0,d=0,h=0,x,v;for(x=1;x<16;x++){i|=u(1);v=a.count[x];if(i-v< d){return a.sym[h+(i-d)]}h+=v;d+=v;d<<=1;i<<=1}throw new Error(\"nx-inflate: bad code\")}function I(a){if(n+a<=f.length){return}var i=new Uint8Array(Math.max(f.length*2,n+a));i.set(f.subarray(0,n));f=i}var L=null,R=null,T=0;while(!T){T=u(1);var O=u(2),S,$;if(O===0){e=0;b=0;var E=c[o]|c[o+1]<<8;o+=4;I(E);f.set(c.subarray(o,o+E),n);n+=E;o+=E;continue}if(O===1){if(!L){var X=new Uint8Array(288),J=new Uint8Array(30);for(r=0;r<288;r++){X[r]=r<144?8:r<256?9:r<280?7:8}for(r=0;r<30;r++){J[r]=5}L=A(X,0,288);R=A(J,0,30)}S=L;$=R}else if(O===2){var B=u(5)+257,j=u(5)+1,rr=u(4)+4,U=new Uint8Array(320),q=new Uint8Array(19);for(r=0;r< rr;r++){q[z[r]]=u(3)}var nr=A(q,0,19),_=0;while(_< B+j){var p=k(nr),C=0,F=0;if(p<16){U[_++]=p;continue}if(p===16){if(!_){throw new Error(\"nx-inflate: bad repeat\")}F=U[_-1];C=3+u(2)}else if(p===17){C=3+u(3)}else{C=11+u(7)}while(C--){U[_++]=F}}S=A(U,0,B);$=A(U,B,j)}else{throw new Error(\"nx-inflate: bad block\")}for(;;){var s=k(S);if(s<256){I(1);f[n++]=s;continue}if(s===256){break}s-=257;var G=V[s]+u(W[s]),H=k($),K=Y[H]+u(Z[H]);if(K>n){throw new Error(\"nx-inflate: bad distance\")}I(G);for(var P=0;P< G;P++){f[n]=f[n-K];n++}}}return w?f.subarray(0,n):new TextDecoder(\"utf-8\").decode(f.subarray(0,n))}if(typeof window.__nxInflate!==\"function\"){window.__nxInflate=M}function Q(g){var w=M(g,true),l=w[0]|w[1]<<8|w[2]<<16|w[3]<<24;var c=w.subarray(4+l);function r(o,e){var b=\"\",f=c.subarray(o,o+e);for(var n=0;e>n;n+=8192){b+=String.fromCharCode.apply(null,f.subarray(n,n+8192))}return btoa(b)}return JSON.parse(new TextDecoder(\"utf-8\").decode(w.subarray(4,4+l)),function(o,e){return e?e.$b?r(e.$b[0],e.$b[1]):e:e})}if(typeof window.__nxUnpack!==\"function\"){window.__nxUnpack=Q}var N=document.querySelectorAll(\"script[data-nx-run]\");for(var D=0;D< N.length;D++){var y=N[D];if(y.hasAttribute(\"data-nx-ran\")){continue}y.setAttribute(\"data-nx-ran\",\"true\");try{var m=document.createElement(\"script\");m.className=\"_iub_cs_skip\";m.setAttribute(\"data-nx-runtime\",y.getAttribute(\"data-nx-run\"));m.textContent=window.__nxInflate(y.textContent);(document.head||document.documentElement).appendChild(m)}catch(g){y.setAttribute(\"data-nx-ran\",\"failed\")}}})();<\/script><div class=\"nxe-host\" data-nxe-embed=\"n-a01-topics-insurtech-and-ai\"><div class=\"nxe\" id=\"nxe-n18xabnn\" data-inst=\"gra\" data-theme=\"light\" data-grammar=\"atlas\" data-domain=\"finance\" data-arche=\"topic\" lang=\"en\" data-nx-css=\"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\"><style>#nxe-n18xabnn.nxe{display:block;box-sizing:border-box;max-width:1180px;margin:0 auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-n18xabnn.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n18xabnn.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n18xabnn.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n18xabnn.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n18xabnn.nxe :where(ul,ol){padding-left:20px}#nxe-n18xabnn.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n18xabnn.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n18xabnn.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n18xabnn.nxe svg{display:none}#nxe-n18xabnn.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n18xabnn.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n18xabnn.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"dag\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A01 \u00b7 TOPIC \u00b7 insurtech-and-ai<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Insurance Nexus<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Established<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Insurance Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Insurtech and AI<\/h1><p class=\"nx-tagline\">Data, automation and machine learning now reach every step of insurance: distribution, underwriting, pricing, claims and fraud detection. They can lower costs and widen access, and they can also discriminate, exclude, mislead or fail in ways that are hard to see. This page sets out how technology and model risk develop in insurance, how their effects on customers are measured, and which institutions hold the governance decisions.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-canvas\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Systems<\/strong> \u00b7 around this subject<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-insurance-gap\" data-cx=\"insurance.gap\" data-variant=\"section\" aria-label=\"Protection gap and claims surge: illustrative console with placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h2 class=\"nx-fk-title\">Protection gap and claims surge<\/h2><p class=\"nx-fk-sub\">Insurtech and AI \u00b7 Coastal portfolio \u00b7 Event scenario EV-30<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure's values<\/small><\/button><\/li><\/ul><\/div><\/div><ul class=\"nx-fk-kpis\" data-n=\"3\"><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Claims notified<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k0\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">8320<\/span><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>Alert<\/span><\/div><div data-fk-view=\"spark:k0\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,17.5L10.2,10.3L18.4,5.5L26.5,12.5L34.7,16.7L42.9,18.1L51.1,15.8L59.3,23L67.5,19.2L75.6,10.7L83.8,10.2L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,17.5L10.2,10.3L18.4,5.5L26.5,12.5L34.7,16.7L42.9,18.1L51.1,15.8L59.3,23L67.5,19.2L75.6,10.7L83.8,10.2L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Adjusters deployed<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k1\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">154<\/span><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Active<\/span><\/div><div data-fk-view=\"spark:k1\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,14.5L10.2,14.3L18.4,9L26.5,13.7L34.7,16.7L42.9,22.2L51.1,20.2L59.3,18.6L67.5,18.4L75.6,23L83.8,19.7L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,14.5L10.2,14.3L18.4,9L26.5,13.7L34.7,16.7L42.9,22.2L51.1,20.2L59.3,18.6L67.5,18.4L75.6,23L83.8,19.7L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Backlog<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k2\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">17<\/span><span class=\"nx-fk-kpi-u\">days<\/span><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/div><div data-fk-view=\"spark:k2\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,23L10.2,18.1L18.4,11.9L26.5,9.9L34.7,5.3L42.9,5.8L51.1,12.7L59.3,9.5L67.5,10.4L75.6,10.9L83.8,3L92,8.5L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,23L10.2,18.1L18.4,11.9L26.5,9.9L34.7,5.3L42.9,5.8L51.1,12.7L59.3,9.5L67.5,10.4L75.6,10.9L83.8,3L92,8.5\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"8.5\" r=\"2.4\"\/><\/svg><\/div><\/li><\/ul><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>Surge plan activated<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Insurance Nexus<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"chart\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Economic loss by who bears it<\/h4><\/div><\/div><svg class=\"nx-fk-svg\" viewBox=\"0 0 520 210\" width=\"520\" height=\"210\" role=\"img\" focusable=\"false\" preserveAspectRatio=\"xMidYMid meet\" aria-label=\"Economic loss by who bears it\" data-fk-chart=\"cx-insurance-gap-c0\" data-nx-z=\"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\"><\/svg><ul class=\"nx-fk-legend\"><li><span class=\"nx-fk-key\" data-c=\"c1\"><i aria-hidden=\"true\"><\/i>Insured<\/span><\/li><li><span class=\"nx-fk-key\" data-c=\"c2\"><i aria-hidden=\"true\"><\/i>Public<\/span><\/li><li><span class=\"nx-fk-key\" data-c=\"c3\"><i aria-hidden=\"true\"><\/i>Uninsured<\/span><\/li><\/ul><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Protection gap and claims surge: the screen's structure, terms and states for Insurtech and AI.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><p class=\"nx-caption\"><strong>Fig.<\/strong><span>Protection gap and claims surge. Design wireframe with placeholder names and illustrative values, not a record or a live system.<\/span><\/p><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>From a satellite tile to an exposure\u2026<\/a><a href=\"#nx-sec-question\"><span>03<\/span>Insurtech and AI: how the risk\u2026<\/a><a href=\"#nx-sec-terms\"><span>04<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>05<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>06<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>07<\/span>Where the evidence comes from<\/a><a href=\"#nx-sec-decisions\"><span>08<\/span>Who decides, and what the evidence\u2026<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">AI in insurance is the use of machine learning and automation across distribution, underwriting, pricing, claims and fraud detection. It can lower cost and widen access, and it can also discriminate through proxies, drift as data change or concentrate dependence on a few vendors. Supervisors expect governance, testing, explanation and human oversight.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Spatial finance<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">From a satellite tile to an exposure update.<\/h2><p class=\"nx-lede\">How satellite radar turns a flood into an exposure update. Synthetic scene; no real event or place.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"geoai-eo\" data-gl=\"sf:geoai-eo\" data-sf=\"geoai-eo\" data-sx-credit=\"synthetic scene and schematic model\" data-sx-src=\"Synthetic scene ~ illustrative, not data\" data-sf-learn-views=\"pipeline pr\" aria-label=\"Interactive figure: the four steps of a flood mapping workflow on a synthetic radar scene, from the tile to the detected flood and an update of affected buildings. The panel steps through or plays the sequence.\" data-nx-z=\"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\"><figcaption class=\"nx-fk-cap\"><span>How satellite radar maps a flood and updates the count of affected buildings.<\/span><span data-honesty=\"true\">Synthetic scene and schematic model; no real event or place.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A01\/topics\/insurtech-and-ai\/#map\" data-nxf-title=\"Insurance Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"health\" data-variant=\"stack\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Insurtech and AI: how the risk develops.<\/h2><p class=\"nx-lede\">AI model governance and customer effects. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 5a3 3 0 1 0-5.997.125 4 4 0 0 0-2.526 5.77 4 4 0 0 0 .556 6.588A4 4 0 1 0 12 18Z\"\/><path d=\"M9 13a4.5 4.5 0 0 0 3-4\"\/><path d=\"M6.003 5.125A3 3 0 0 0 6.401 6.5\"\/><path d=\"M3.477 10.896a4 4 0 0 1 .585-.396\"\/><path d=\"M6 18a4 4 0 0 1-1.967-.516\"\/><path d=\"M12 13h4\"\/><path d=\"M12 18h6a2 2 0 0 1 2 2v1\"\/><path d=\"M12 8h8\"\/><path d=\"M16 8V5a2 2 0 0 1 2-2\"\/><circle cx=\"16\" cy=\"13\" r=\".5\"\/><circle cx=\"18\" cy=\"3\" r=\".5\"\/><circle cx=\"20\" cy=\"21\" r=\".5\"\/><circle cx=\"20\" cy=\"8\" r=\".5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Model opacity and drift<\/h3><p class=\"nx-p nx-mt-1\">Complex models are hard to explain to customers, supervisors and boards. Performance drifts as data and behaviour change, and errors can scale across a whole book of business before anyone notices.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Proxy discrimination<\/h3><p class=\"nx-p nx-mt-1\">Rich external data, from credit information to telematics and online behaviour, can stand in for protected characteristics. A model that never sees a protected attribute can still produce disparate outcomes.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><circle cx=\"12\" cy=\"12\" r=\"6\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Individualised pricing and pooling<\/h3><p class=\"nx-p nx-mt-1\">Finer segmentation moves premium towards individual expected loss. It can reward risk reduction, but it can also price some people out and erode the pooling on which insurance relies.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"16\" y=\"16\" width=\"6\" height=\"6\" rx=\"1\"\/><rect x=\"2\" y=\"16\" width=\"6\" height=\"6\" rx=\"1\"\/><rect x=\"9\" y=\"2\" width=\"6\" height=\"6\" rx=\"1\"\/><path d=\"M5 16v-3a1 1 0 0 1 1-1h12a1 1 0 0 1 1 1v3\"\/><path d=\"M12 12V8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Platform and vendor concentration<\/h3><p class=\"nx-p nx-mt-1\">Many insurers rely on the same data vendors, models and cloud platforms. A flawed dataset or a vendor outage then affects the market at once, and accountability is split across contracts.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Proxy discrimination<\/td><td data-label=\"Definition\">Unfair treatment of a protected group that arises when a model uses variables correlated with a protected characteristic it does not see directly.<\/td><\/tr><tr><td data-label=\"Term\">Model drift<\/td><td data-label=\"Definition\">A decline in a model's accuracy as the data it meets in use move away from the data it was trained on.<\/td><\/tr><tr><td data-label=\"Term\">Price optimisation<\/td><td data-label=\"Definition\">Setting individual premiums partly on predicted willingness to pay or likelihood to switch rather than on risk alone; restricted in several jurisdictions.<\/td><\/tr><tr><td data-label=\"Term\">Human oversight<\/td><td data-label=\"Definition\">Review of automated decisions by people with the authority and information to change them.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"climate\" data-variant=\"split\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">AI systems in use by business function<\/td><td data-label=\"Unit\">count of systems by function<\/td><td data-label=\"Cadence\">survey cycle<\/td><td data-label=\"Source type\">Supervisory surveys of insurers<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Disparate outcome ratio<\/td><td data-label=\"Unit\">ratio of outcome rates between groups<\/td><td data-label=\"Cadence\">per model review<\/td><td data-label=\"Source type\">Fairness testing<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Model performance drift<\/td><td data-label=\"Unit\">change in discrimination or calibration metric<\/td><td data-label=\"Cadence\">monthly<\/td><td data-label=\"Source type\">Model monitoring<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OBSERVED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Automated claims decision share<\/td><td data-label=\"Unit\">percent of claims decided without human review<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Insurer disclosures and surveys<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Complaints about automated decisions<\/td><td data-label=\"Unit\">complaints per thousand automated decisions<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Supervisory complaint data<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Critical third-party model and data dependencies<\/td><td data-label=\"Unit\">count of critical vendors<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Vendor registers<\/td><td data-label=\"Label\"><span class=\"nx-chip\">DECLARED<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A01\/topics\/insurtech-and-ai\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"health\" data-tone=\"alt\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Insurtech and AI as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a01-topics-insurtech-and-ai-reserving-t nx-dag-a01-topics-insurtech-and-ai-reserving-d\" data-nx-z=\"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\"><title id=\"nx-dag-a01-topics-insurtech-and-ai-reserving-t\">Insurtech and AI: claims reserving<\/title><desc id=\"nx-dag-a01-topics-insurtech-and-ai-reserving-d\">Claims data are built into development triangles; chain ladder and Bornhuetter-Ferguson give IBNR; a selection is made with a risk margin, tested by actual versus expected, and signed off. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">NAIC artificial intelligence surveys of insurers<\/td><td data-label=\"What it gives\">Use of AI by function in motor, home and life insurance in the United States<\/td><td data-label=\"Licence class\">Public reports<\/td><\/tr><tr><td data-label=\"Source\">EIOPA reports on digitalisation and AI governance<\/td><td data-label=\"What it gives\">Use of big data analytics and AI governance principles for European insurers<\/td><td data-label=\"Licence class\">Public, EU reuse terms<\/td><\/tr><tr><td data-label=\"Source\">Gallagher Re Global InsurTech Report<\/td><td data-label=\"What it gives\">Investment, start-up activity and themes in insurance technology<\/td><td data-label=\"Licence class\">Proprietary, published report free to read<\/td><\/tr><tr><td data-label=\"Source\">AI Incident Database<\/td><td data-label=\"What it gives\">Reported incidents involving AI systems, including in financial services<\/td><td data-label=\"Licence class\">Open data, attribution and terms<\/td><\/tr><tr><td data-label=\"Source\">OECD.AI Policy Observatory<\/td><td data-label=\"What it gives\">AI policies, principles and trends by country<\/td><td data-label=\"Licence class\">Free, OECD terms<\/td><\/tr><tr><td data-label=\"Source\">IAIS application papers and FinTech publications<\/td><td data-label=\"What it gives\">Supervisory practice on AI, big data and conduct<\/td><td data-label=\"Licence class\">Public, IAIS terms<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A01\/topics\/insurtech-and-ai\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Insurance Nexus prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Insurer boards and model risk committees<\/td><td data-label=\"The question\">Which AI systems to deploy, with what oversight, testing and human review<\/td><td data-label=\"Evidence this page serves\">Model inventory, validation and fairness testing, drift monitoring and incident history<\/td><\/tr><tr><td data-label=\"Who decides\">Insurance supervisors<\/td><td data-label=\"The question\">How to supervise AI use under existing conduct and governance rules and new AI law<\/td><td data-label=\"Evidence this page serves\">Survey evidence, model governance documentation, complaint and outcome data<\/td><\/tr><tr><td data-label=\"Who decides\">Legislators and data protection authorities<\/td><td data-label=\"The question\">Which data sources and automated decisions are permitted in insurance<\/td><td data-label=\"Evidence this page serves\">Evidence on predictive value, proxy effects, transparency and redress<\/td><\/tr><tr><td data-label=\"Who decides\">Consumer bodies and ombudsman services<\/td><td data-label=\"The question\">Whether automated decisions are fair and explained to customers<\/td><td data-label=\"Evidence this page serves\">Complaints, decisions and outcome disparities by group<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Guide to AI governance expectations in insurance by jurisdiction<\/li><li>Method note on testing pricing and claims models for proxy discrimination<\/li><li>Brief on vendor and model concentration risk<\/li><li>Evidence-to-diligence checklist for AI model review<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"health\" data-variant=\"split\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">What professionals ask.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>How are AI and machine learning used across the insurance value chain?<\/li><li>How should AI models used in pricing and claims be governed and validated?<\/li><li>How can insurers prevent unfair discrimination and proxy effects in models?<\/li><li>How should customers be informed about automated decisions affecting them?<\/li><li>How do dependencies on a few technology providers affect resilience?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Drivers and dynamics.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Insurers use AI for customer service, underwriting, pricing, fraud detection and claims assessment. Machine-learning models can find patterns in large datasets that traditional methods miss, but they can be opaque, sensitive to data quality and prone to reproducing historical biases. Variables that seem neutral can act as proxies for protected characteristics. Generative AI introduces further questions about accuracy and accountability.<\/p><p class=\"nx-p\">Regulators in several jurisdictions have issued principles or rules for AI in insurance and finance, emphasizing governance, explainability, fairness and human oversight. Dependence on a small number of cloud and model providers creates concentration risk across the sector. Insurtech firms have also changed distribution, through embedded insurance sold alongside other products and usage-based cover informed by telematics and connected devices, which raises questions about data ownership, consent and the boundary between risk prevention and surveillance.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-limits\" class=\"nx-section\" data-hue=\"climate\" data-variant=\"stack\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and limits<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">How it is studied.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Model governance frameworks<\/h3><p class=\"nx-p nx-mt-1\">Approaches to validation, monitoring and accountability, drawing on <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/ai-ml\/\">artificial intelligence and machine learning<\/a>.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Fairness testing<\/h3><p class=\"nx-p nx-mt-1\">Statistical methods from <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/probability-statistics\/\">probability and statistics<\/a> assess whether models produce disparate outcomes.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Customer outcome research<\/h3><p class=\"nx-p nx-mt-1\">Studies of how automated decisions affect access, price and claims experience.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Limits<\/h3><p class=\"nx-p nx-mt-1\">Fairness has several competing definitions, model behaviour can drift over time, and proprietary models limit external scrutiny.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"health\" data-tone=\"alt\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/ai-ml\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Artificial intelligence and machine learning<\/span><span class=\"nx-mledger-role\">Exposure enrichment from imagery \u00b7 Fraud and claims triage \u00b7 Fairness testing of pricing models<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/ai-ml\/\" aria-label=\"Artificial intelligence and machine learning: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/probability-statistics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Probability and statistics<\/span><span class=\"nx-mledger-role\">Frequency and severity modelling \u00b7 Bayesian updating of assumptions<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/probability-statistics\/\" aria-label=\"Probability and statistics: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/actuarial-math\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Actuarial mathematics<\/span><span class=\"nx-mledger-role\">Loss reserving with development triangles \u00b7 Experience rating and credibility<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/actuarial-math\/\" aria-label=\"Actuarial mathematics: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Insurers' use of AI is known mainly through surveys and self-assessment, which are declared, not verified. Fairness metrics conflict, and testing needs protected data that firms often do not hold. Rules differ across jurisdictions and are changing, and vendor models are often closed to the insurers that use them. Insurance Nexus explains governance and testing methods; it does not audit, certify or endorse any model, vendor or insurer.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-14-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Is AI in insurance regulated?<\/summary><div class=\"nx-answer\">Existing insurance, conduct, anti-discrimination and data protection law already applies. Some jurisdictions add specific rules, such as the EU AI Act for certain life and health pricing uses, and supervisory bulletins on AI governance in the United States.<\/div><\/details><details><summary>How is proxy discrimination tested?<\/summary><div class=\"nx-answer\">By comparing outcomes across groups, testing whether variables carry protected information, and checking whether alternatives with less disparate effect predict as well. Each test needs data and judgement, and results are labelled.<\/div><\/details><details><summary>Does Insurance Nexus certify AI models?<\/summary><div class=\"nx-answer\">No. Model validation is done by insurers and independent reviewers, and supervisors assess governance. Insurance Nexus explains the methods and the published expectations.<\/div><\/details><details><summary>What is a proxy variable?<\/summary><div class=\"nx-answer\">A variable that is not itself a protected characteristic but correlates closely with one, so its use can produce indirect discrimination.<\/div><\/details><details><summary>Does GRA review insurers' models?<\/summary><div class=\"nx-answer\">No. It studies governance practice at sector level.<\/div><\/details><details><summary>Does GRA give advice on this topic?<\/summary><div class=\"nx-answer\">No. GRA does not underwrite, sell, solicit, negotiate, place or broker insurance, and it does not rate, advise on or arrange transactions. Readiness work is not approval. Its analysis is shared, sector-level understanding.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-15\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-15\" class=\"nx-h3 nx-mt-2\">Around Insurance Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-market-structure\/\">Insurance market structure <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/underwriting-and-pricing-risk\/\">Underwriting and pricing risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/property-and-casualty\/\">Property and casualty <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/health-and-life-insurance\/\">Health and life insurance <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/claims-and-operational-resilience\/\">Claims and operational resilience <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-protection-gaps\/\">Insurance protection gaps <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/\">Insurance Nexus home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Insurance Nexus<\/span><h2 id=\"nx-close-16\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Insurance%20Nexus%3A%20Insurtech%20and%20AI\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurtech-and-ai\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurtech-and-ai\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Is AI in insurance regulated?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Existing insurance, conduct, anti-discrimination and data protection law already applies. Some jurisdictions add specific rules, such as the EU AI Act for certain life and health pricing uses, and supervisory bulletins on AI governance in the United States.\"}},{\"@type\":\"Question\",\"name\":\"How is proxy discrimination tested?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"By comparing outcomes across groups, testing whether variables carry protected information, and checking whether alternatives with less disparate effect predict as well. Each test needs data and judgement, and results are labelled.\"}},{\"@type\":\"Question\",\"name\":\"Does Insurance Nexus certify AI models?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Model validation is done by insurers and independent reviewers, and supervisors assess governance. Insurance Nexus explains the methods and the published expectations.\"}},{\"@type\":\"Question\",\"name\":\"What is a proxy variable?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A variable that is not itself a protected characteristic but correlates closely with one, so its use can produce indirect discrimination.\"}},{\"@type\":\"Question\",\"name\":\"Does GRA review insurers' models?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. It studies governance practice at sector level.\"}},{\"@type\":\"Question\",\"name\":\"Does GRA give advice on this topic?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. GRA does not underwrite, sell, solicit, negotiate, place or broker insurance, and it does not rate, advise on or arrange transactions. Readiness work is not approval. Its analysis is shared, sector-level understanding.\"}}]},{\"@type\":\"DefinedTermSet\",\"@id\":\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurtech-and-ai\/#terms\",\"name\":\"Key terms: Insurtech and AI\",\"inLanguage\":\"en\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurtech-and-ai\/#webpage\"},\"hasDefinedTerm\":[{\"@type\":\"DefinedTerm\",\"name\":\"Proxy discrimination\",\"description\":\"Unfair treatment of a protected group that arises when a model uses variables correlated with a protected characteristic it does not see directly.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurtech-and-ai\/#terms\"}},{\"@type\":\"DefinedTerm\",\"name\":\"Model drift\",\"description\":\"A decline in a model's accuracy as the data it meets in use move away from the data it was trained on.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurtech-and-ai\/#terms\"}},{\"@type\":\"DefinedTerm\",\"name\":\"Price optimisation\",\"description\":\"Setting individual premiums partly on predicted willingness to pay or likelihood to switch rather than on risk alone; restricted in several jurisdictions.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurtech-and-ai\/#terms\"}},{\"@type\":\"DefinedTerm\",\"name\":\"Human oversight\",\"description\":\"Review of automated decisions by people with the authority and information to change them.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurtech-and-ai\/#terms\"}}]}]}<\/script>\n\n<!-- nx-rev:0cf11a6b0031f3be -->\n<!-- nx-path:\/topics\/insurtech-and-ai\/ -->","protected":false},"excerpt":{"rendered":"<p>LightDarkAuto A01 \u00b7 TOPIC \u00b7 insurtech-and-aiGRA dossier \u00b7 service level R0 GRA\u00b7Insurance Nexus\u00b7Established Topic dossier \u00b7 Insurance Nexus Insurtech and AI Data, automation and machine learning now reach every step &hellip; <a href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurtech-and-ai\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Insurtech and AI&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2078,"menu_order":809,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_buddyx_sub_header_visibility":"","_buddyx_sub_header_title_visibility":"","_hide_show_side_panel":"","_buddyxpro_page_sidebar":"","_buddyxpro_page_disable_header":"","_buddyxpro_page_disable_footer":"","_buddyxpro_page_content_width":"","_buddyxpro_page_header_style":"","_buddyxpro_page_color_mode":"","_buddyxpro_page_loader":"","inline_featured_image":false,"footnotes":""},"class_list":["post-2101","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/pages\/2101","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/comments?post=2101"}],"version-history":[{"count":1,"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/pages\/2101\/revisions"}],"predecessor-version":[{"id":2149,"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/pages\/2101\/revisions\/2149"}],"up":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/pages\/2078"}],"wp:attachment":[{"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/media?parent=2101"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}