The underwriting revolution is here, fueled by real-time data, AI, and shifting consumer expectations. But with greater personalization comes greater scrutiny. This session explores how life and health insurers are modernizing underwriting models to improve accuracy, speed, and user experience while navigating evolving regulations and ethical concerns. From wearables and electronic health records to credit scores and behavioral data, we’ll unpack the emerging toolkit and its impact on risk assessment. Join us for a candid discussion on where to draw the line between innovation and intrusion, and how to future-proof underwriting in a data-rich world.