The next generation of underwriting tools for P&C (re)insurers will seamlessly incorporate new data sources, drive more comprehensive just-in-time risk analytics, and rapidly integrate cutting-edge technologies like ML/AI to accelerate business growth. Cloud native underwriting tools are enabling all these aspects in combination with new data sources. In this talk, we'll take a look at how we are unifying underwriting analytics for both insurers and reinsurers and pulling in untapped data sources, correlate them across their business, and deliver key insights at the point of underwriting.