This in-depth report explores the growing role of enhanced underwriting (such as smart follow, augmented underwriting or smart facilities) in the London insurance market, and offers practical insights for both carriers and brokers looking to navigate this evolving industry landscape.
Why smart underwriting matters now
The London market is undergoing a pivotal transformation. As competition intensifies, cost pressures mount, and technological advancements accelerate, insurers face huge challenges.
Digital underwriting—whether through pure algorithmic models or augmented approaches with human oversight—is quickly becoming a key differentiator. Companies like Artificial are helping carriers across the market to implement these exciting models in their businesses.
Our white paper highlights the market drivers behind smart underwriting, including:
Reducing expense ratios by automating low-value tasks
Enhancing data-driven decision-making with AI-powered analytics
Accelerating product innovation by shortening time-to-market
Improving broker relationships through smarter risk selection and portfolio tracking
What you will learn from this white paper
We’ve designed our white paper to be a practical guide to help carriers on their smart underwriting journey. In this report, you will learn:
Strategic considerations for digital underwriting adoption:
Understand the key incentives, obstacles, and pathways to implementation.
Practical implementation guidance:
Learn what data foundations are required and how insurers can integrate digital tools into existing workflows.
Real-world case study:
Discover how Apollo is leveraging smart follow with Artificial to enhance decision-making and portfolio management.
Overcoming common smart underwriting barriers
Many insurers hesitate to adopt digital underwriting due to concerns over control, data quality, or legacy system integration. Our white paper addresses these challenges head-on, providing actionable solutions for firms looking to future-proof their underwriting strategies.
Download your free copy now
Whether you’re just beginning to explore digital underwriting or actively seeking ways to refine your approach, Smart underwriting: A practical guide is an essential resource.
If you would like to talk to the Artificial team about deploying smart underwriting in your business, talk to our insurance experts today.