How Disparate Impact Shapes AI Pricing in Insurance
How proxy variables and outcome differences appear in insurance AI pricing, what testing can establish, and where state-specific procedures belong.
Underwriting
AI in underwriting across lines: accelerated programs, external data, and the unfair-discrimination scrutiny they draw.
AI Use Cases in Insurance by Business Line →Guides & analysis
Prior Authorization Is Where Health AI Gets Tested
How health insurers use AI in prior authorization, claims adjudication, and risk adjustment. What the NAIC, CMS, and recent litigation mean for governance.
AI in Homeowners Insurance Pricing and the State Rate Review
How homeowners insurers use AI, aerial imagery, and catastrophe models to price property risk, and what state regulators now require for transparency.
AI in Life Insurance Underwriting and the New Regulatory Test
How life insurers use AI in accelerated underwriting and what regulators now require for proxy testing, fairness, and documentation.
AI in Reinsurance Treaty Pricing and Catastrophe Modeling
How reinsurers use AI in treaty pricing, catastrophe modeling, and contract analysis. What model transparency and capital governance mean for risk carriers.
How to Build an AI Inventory by Line of Business for NAIC Exhibit A
Map your insurance AI systems by line of business for NAIC Exhibit A. Use this template to capture underwriting, pricing, claims, fraud, and customer service AI.
What Regulators Test in AI Underwriting
How AI in underwriting works across P&C, life, and health lines, what the NAIC evaluation tool expects, and how to prove your models are fair and traceable.
NYDFS Circular Letter No. 7 and the AI Underwriting Proxy Test
What NYDFS Circular Letter No. 7 expects for AI and external data in underwriting and pricing: scope, the proxy test, consumer notice, and vendor audits.
AI Use Cases in Insurance by Business Line
A business-line map of insurance AI: the decision each system shapes, the risk that makes the line distinct, and the guide to read next.