The old way of assessing risk—static data, annual updates, and one-size-fits-all pricing—is fading fast. Real-time data streams, IoT, and behavioral analytics are enabling insurers to price policies dynamically, prevent losses before they happen, and respond instantly to emerging risks. But how far can real-time decision-making go? This panel features leading insurers, data innovators, and AI experts discussing how continuous underwriting, dynamic pricing, and real-time risk prevention are reshaping insurance. Are we moving toward a future where risk assessment is a living, evolving process? And what does that mean for actuaries, underwriters, and even policyholders?