AI is transforming underwriting workflows but human judgment remains central to risk selection and portfolio performance. In this panel, underwriting leaders explore how AI-native desks are reshaping daily work: from submission summarization and appetite alignment to dynamic pricing support and portfolio insight. What does the modern underwriting role look like? How do insurers design collaboration between human expertise and intelligent agents? And how are productivity gains measured without compromising discipline? This discussion focuses on operational realities and leadership decisions, offering practical insights into how AI augments, not replaces, underwriting judgment.