72
Heavy Cope
heavy_cope, historical_analogy_cope
Assesses risk and determines policy terms. Pattern recognition and actuarial analysis are core AI competencies.
Underwriting is fundamentally pattern recognition on structured data -- exactly what ML models do best. Lemonade and other insurtechs already use AI underwriting. The profession's cope: 'complex cases need human judgment.' Complex cases are the ones AI handles best because it can process more variables simultaneously.