{"id":594788,"date":"2022-04-21T11:27:00","date_gmt":"2022-04-21T16:27:00","guid":{"rendered":"https:\/\/www.capgemini.com\/?post_type=research-and-insight&#038;p=703285"},"modified":"2025-03-07T01:52:37","modified_gmt":"2025-03-07T06:52:37","slug":"changing-insurance-industry-dynamics-driving-underwriting-transformation","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/us-en\/insights\/research-library\/changing-insurance-industry-dynamics-driving-underwriting-transformation\/","title":{"rendered":"Changing insurance industry dynamics driving underwriting transformation"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/dk-en\/wp-content\/uploads\/2022\/04\/Capgemini_research-and-insights_Changing-insurance-industry-dynamics-driving-underwriting-transformation.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/dk-en\/wp-content\/uploads\/2022\/04\/Capgemini_research-and-insights_Changing-insurance-industry-dynamics-driving-underwriting-transformation.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/dk-en\/wp-content\/uploads\/2022\/04\/Capgemini_research-and-insights_Changing-insurance-industry-dynamics-driving-underwriting-transformation.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/dk-en\/wp-content\/uploads\/2022\/04\/Capgemini_research-and-insights_Changing-insurance-industry-dynamics-driving-underwriting-transformation.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/dk-en\/wp-content\/uploads\/2022\/04\/Capgemini_research-and-insights_Changing-insurance-industry-dynamics-driving-underwriting-transformation.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/dk-en\/wp-content\/uploads\/2022\/04\/Capgemini_research-and-insights_Changing-insurance-industry-dynamics-driving-underwriting-transformation.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/dk-en\/wp-content\/uploads\/2022\/04\/Capgemini_research-and-insights_Changing-insurance-industry-dynamics-driving-underwriting-transformation.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/dk-en\/wp-content\/uploads\/2022\/04\/Capgemini_research-and-insights_Changing-insurance-industry-dynamics-driving-underwriting-transformation.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/dk-en\/wp-content\/uploads\/2022\/04\/Capgemini_research-and-insights_Changing-insurance-industry-dynamics-driving-underwriting-transformation.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:54% 23%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Digital transformation<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Changing insurance industry dynamics driving underwriting transformation<\/h1><\/div><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles addPadding\"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/dk-en\/wp-content\/uploads\/2022\/05\/Everest-Group-Achieving-Underwriting-Excellence-1-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download report<\/span><span class=\"type\">1 MB  pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/us-en\/insights\/research-library\/changing-insurance-industry-dynamics-driving-underwriting-transformation\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/sharing\/share-offsite\/?url=https:\/\/www.capgemini.com\/us-en\/insights\/research-library\/changing-insurance-industry-dynamics-driving-underwriting-transformation\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h3 class=\"wp-block-heading\" id=\"h-new-risks-continue-to-emerge-along-with-new-data-sources-and-affordable-computing-power-that-allow-us-to-analyze-learn-trends-and-predict-behaviors\">New risks continue to emerge, along with new data sources and affordable computing power that allow us to analyze, learn trends, and predict behaviors. <\/h3>\n\n\n\n<p>The need for hyper-personalized underwriting has taken on a completely new meaning. At the same time, customers are buying insurance via non-traditional channels and are expecting a superior experience at the point of purchase.<\/p>\n\n\n\n<p>How can an industry riddled with age-old systems and processes keep up with this accelerated change and meet the demands of its new customers? The answer lies in investing in technology-led advancements and automation to infuse efficiencies in the underwriting process.<\/p>\n\n\n\n<p><br><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-11 col-lg-10 offset-md-1 offset-lg-1\"><div class=\"article-text article-quote-text\">\n<figure class=\"wp-block-image alignright size-full\"><a href=\"https:\/\/www.capgemini.com\/dk-en\/wp-content\/uploads\/2022\/05\/Everest-Group-Achieving-Underwriting-Excellence-1.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/dk-en\/wp-content\/uploads\/2022\/05\/insurance-industry-dynamics.png\" alt=\"\" class=\"wp-image-703310\"\/><\/a><\/figure>\n\n\n\n<p>With the <a href=\"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/the-power-of-connected-ecosystems-in-aerospace-and-defense\/\" target=\"_blank\" rel=\"noreferrer noopener\">connected ecosystem\u2019s<\/a> increasing maturity and the availability of affordable computing power, insurers are augmenting historical data with real-time, usage-based data from connected devices to underwrite risk in the near-actual time, with a higher leverage of <a href=\"https:\/\/www.capgemini.com\/us-en\/services\/enterprise-management\/intelligent-business-operations\/intelligent-process-automation\/\" target=\"_blank\" rel=\"noreferrer noopener\">intelligent process automation<\/a>.<\/p>\n\n\n\n<p>As the insurance consumption model evolves further and the purchase experience gets embedded across other products and services ecosystems, insurers will need to show underwriting flexibility per consumer needs. Insurers need to re-imagine their underwriting principles and build differentiated experiences for agents\/brokers as well as end customers. This underwriting transformation journey needs to be synchronous across strategy, data, technology, and talent.<\/p>\n\n\n\n<p>The shift in insurers\u2019 mindset from insuring loss to ensuring protection and the pressing need to function as risk guardians rather than risk assurers call for an avant-garde approach to investments and initiatives around underwriting transformation.<\/p>\n\n\n\n<p>Read this report from Everest Group to better understand:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Evolving insurance landscape and implications for insurers in the underwriting function<\/li>\n\n\n\n<li>How underwriters can drive this change and key building blocks for transformation<\/li>\n\n\n\n<li>Role of technology in transforming the underwriting function to sustain the long-term benefits.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":26,"featured_media":720158,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"5f6df954-8537-4090-8e1f-761d6c44d857\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":302,"primary_term":"Digital transformation","featured_focal_points":""},"tags":[],"research-and-insight-type":[85],"theme":[302],"brand":[],"service":[],"industry":[545,70],"partners":[],"content-group":[],"class_list":["post-594788","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","research-and-insight-type-point-of-view","theme-digital-transformation","industry-financial-services","industry-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Underwriting Transformation in Insurance | Capgemini<\/title>\n<meta name=\"description\" content=\"Explore how changing industry dynamics are revolutionizing insurance underwriting. 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