The tension is real. Everyone wants underwriting to be faster. Nobody wants it to be riskier. Now add fraud at an all time high and digital transformation that no longer feels optional. For years that felt impossible. Then identity walked in and rewrote the rules. Nationwide and Socure get on stage for a reality check on what's changing inside underwriting, what won't budge, and why identity has become the most underused lever carriers have against fraud, not just at the point of application. No pitch. No highlight reel. Just Nationwide's Erin McClintock and Socure, the vendor they actually use telling you what's real.