Underwriting no longer operates case-by-case in isolation. Technology now allows portfolio exposure, concentration, and capital impact to be visible at the moment of quote. This session explores how insurers are embedding portfolio insight directly into underwriting workflows. What happens when appetite dynamically adjusts based on live exposure? How does capital efficiency improve when risk aggregation is visible in real time? And how can portfolio intelligence prevent drift while enabling growth? The focus is practical, integrating macro portfolio signals into micro-level underwriting decisions.