Evolution of Underwriting Technology: What to Automate, What to Trust, and Where Humans Still Matter

“The underwriter’s role doesn’t disappear — it evolves. And that’s a really exciting opportunity.” 

In this video, UnderwriteMe senior development underwriters, Adam Ware and Peter Martin, reflect on how the role of underwriter has changed over the last two decades and share what they’ve learned from working hands-on with AI in real underwriting environments. 

The pair have been working in close collaboration with three leading UK insurers to beta test UnderwriteMe’s AI Engine for Post-Issue Audits, which automates misrepresentation detection — not just evidence summarisation — enabling underwriters to skip clean cases and scale audit coverage without adding headcount. 

Drawing on the six-month beta of AI Engine, Adam and Peter offer a grounded, experience-led perspective on where AI delivers real value today — and where human judgment remains essential. 

🎥 Watch the video to hear how UnderwriteMe is helping shape the next phase of underwriting.