The Impact of AI on Underwriting and Risk Profiling: Insights from a 2025 GlobalData Poll

According to a recent poll by GlobalData, nearly half of the surveyed participants are optimistic about the transformative effect of artificial intelligence (AI) on the insurance sector by 2030, particularly in the realms of underwriting and risk profiling. This sentiment was echoed in a major announcement by Allianz, which unveiled BRIAN—a cutting-edge generative AI tool crafted to enhance both efficiency and speed in its commercial underwriting processes.

The GlobalData survey, conducted in the third quarter of 2025 across Verdict Media’s platforms, revealed that an impressive 45.8% of the respondents believe that the underwriting and risk profiling segments will witness significant advancements due to AI. This finding highlights a growing trust in AI’s potential to refine decision-making processes and improve the precision of pricing strategies.

Following a successful pilot phase involving nearly 3,000 inquiries from 190 users, Allianz’s BRIAN has transitioned to full operational status and has been deployed to additional underwriting teams. Since its launch in January 2025, the tool has reportedly saved around 135 working days in data gathering. This achievement underscores BRIAN’s ability to deliver precise and consistent answers, thereby allowing underwriters to focus on more valuable tasks. This is especially advantageous for novice underwriters, as it accelerates their learning and ensures a uniformity of decision-making within the organization.

BRIAN’s deployment exemplifies how AI technology can relieve the pressures of traditionally labor-intensive processes, allowing underwriters to dedicate their efforts to higher-value activities such as risk assessment, price optimization, and relationship building with clients. Moving forward, other insurance companies might benefit from exploring AI technologies in critical areas of their operations. By piloting innovative tools, assessing the resulting productivity improvements, and expanding successful methodologies, insurers can remain competitive in a landscape where AI is becoming an indispensable factor in underwriting and customer service.

“Underwriting and risk profiling as a key insurance area poised for AI advancement” was initially created and published by Life Insurance International, a publication owned by GlobalData.

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