{"id":721448,"date":"2024-07-23T06:25:58","date_gmt":"2024-07-23T11:25:58","guid":{"rendered":"https:\/\/www.capgemini.com\/us-en\/?post_type=research-and-insight&#038;p=721448"},"modified":"2025-03-06T03:51:39","modified_gmt":"2025-03-06T08:51:39","slug":"unleashing-growth-the-evolving-role-of-underwriters","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/us-en\/insights\/research-library\/unleashing-growth-the-evolving-role-of-underwriters\/","title":{"rendered":"Unleashing growth: The evolving role of underwriters"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Underwriters-role_PoV__web-banner-2880x1800px_v.1_final_JJ.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Underwriters-role_PoV__web-banner-2880x1800px_v.1_final_JJ.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Underwriters-role_PoV__web-banner-2880x1800px_v.1_final_JJ.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Underwriters-role_PoV__web-banner-2880x1800px_v.1_final_JJ.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Underwriters-role_PoV__web-banner-2880x1800px_v.1_final_JJ.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Underwriters-role_PoV__web-banner-2880x1800px_v.1_final_JJ.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Underwriters-role_PoV__web-banner-2880x1800px_v.1_final_JJ.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Underwriters-role_PoV__web-banner-2880x1800px_v.1_final_JJ.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Underwriters-role_PoV__web-banner-2880x1800px_v.1_final_JJ.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" 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\">Business operations<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Unleashing growth: The evolving role of underwriters<\/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\/wp-content\/uploads\/2024\/04\/2024-05-14_Underwriter-Demands_PoV_v.1_opt.1_JJ_AT.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download the PoV<\/span><span class=\"type\">4 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\/?post_type=research-and-insight&amp;p=1017280\" 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\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=1017280\" 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<h2 class=\"wp-block-heading\" id=\"h-streamlining-the-underwriting-role-with-powerful-advanced-technology-boosts-efficiency-accuracy-and-experience-to-unlock-new-business-growth\">Streamlining the underwriting role with powerful, advanced technology boosts efficiency, accuracy, and experience to unlock new business growth.<\/h2>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-in-brief\">In brief<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Underwriters must assume a more consultative role with the end consumer and broker, delivering personalized risk solutions.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>As the role of the underwriter evolves, upskilling with product, risk management and sales training will enable the use of improved technology like the Underwriting Workbench.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Advanced technology enables underwriters to work faster, attract more business and successfully enter and gain traction in new markets.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>Underwriters play a pivotal role in assessing risks, setting premiums and ensuring the financial health of insurance organizations. A deep sector expertise and an understanding of the risk landscape enables them to foster meaningful insured relationships and contribute to significant business growth.<\/p>\n\n\n\n<p>But despite being highly skilled and well-compensated, according to the <a href=\"https:\/\/www.capgemini.com\/us-en\/insights\/research-library\/world-property-and-casualty-insurance-report\/\">2024 World Property and Casualty Insurance Report<\/a>, almost half (45%) of all commercial and personal underwriters struggle to meet rising broker and customer expectations.<\/p>\n\n\n\n<p>Essentially, these valuable, strategic players have been stymied by manual processes, spreadsheets and menial tasks, which impact their efficiency and decision-making abilities. Almost half (41%-43%) of commercial and personal line underwriters\u2019 time is spent on administrative activities like data entry and record keeping, while only a third (32%-33%) is dedicated to core activities such as risk assessment, premium calculation, and book management, and a quarter (25%-26%) is spent on agent\/broker collaboration and sales activities. &nbsp;<\/p>\n\n\n\n<p>But insurers and underwriters envision a future where the underwriter role adapts to the changing market and enhances risk assessment for more sustainable growth. In fact, 70% of surveyed insurance executives believe underwriters can become broker\/agent relationship and product development consultants and 63% of insurers believe underwriters can add value to the sales process. &nbsp;<\/p>\n\n\n\n<p>With the right tools and training, underwriters can upskill to price risk with higher accuracy, advise clients on how to mitigate their own risk potential, deliver better quote generation experiences and offer more personalized, innovative risk and coverage solutions. The evolved underwriter adopts a more consultative approach to build and foster valuable customer and broker relationships, which enables them to reach a broader market and generate more sales for the business.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-learn-from-the-trailblazing-insurers\">Learn from the trailblazing insurers<\/h2>\n\n\n\n<p>The <a href=\"https:\/\/www.capgemini.com\/us-en\/insights\/research-library\/world-property-and-casualty-insurance-report\/\">report<\/a> highlights that only 8% of P&amp;C insurers are currently implementing automated, data-driven recommendations or decisions in the underwriting process. However, the trailblazing insurers that have embraced this evolution are experiencing remarkable efficiency gains. They have boosted underwriting speed, reduced underwriting expenses, and significantly improved target achievement compared to mainstream insurers.<\/p>\n\n\n\n<p>These forward-thinking carriers have also excelled in tightening loss costs and strengthening fraud detection, setting a new standard for the industry.<\/p>\n\n\n\n<p>Figure 1 Trailblazers lead with superior efficiency, accuracy, and customer\/broker experience<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Unleashing-growth-supporting-image.jpg?w=960\" alt=\"\" class=\"wp-image-1017515\"\/><\/figure>\n\n\n\n<p>Source: Capgemini Research Institute for Financial Services Analysis, 2024; World Property and Casualty Insurance Report 2024 Global Insurance Executives\u2019 Survey<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-training-and-technology-pave-the-way-forward\">Training and technology pave the way forward<\/h2>\n\n\n\n<p>Underwriters require both skills training and the right technology to expand their roles, add new value and promote success across the business. According to Capgemini research, most underwriters indicated they require training across three key areas of business to help them pave the way forward: product (81%), risk management (69%) and sales (68%).&nbsp;<\/p>\n\n\n\n<p>Advanced technologies like cloud-based self-assessment tools, predictive modeling and artificial intelligence (AI)\/natural language processing capabilities can improve the accuracy and productivity of underwriter decision-making.<\/p>\n\n\n\n<p>Revolutionary tools like the digital Underwriting Workbench provide instant visibility, automate tasks, prioritize higher-value submissions and leverage rating engines and models to give underwriters seamless access to pertinent internal and external data at key decision points. Instead of having to sift through and assimilate information from multiple sources, the workbench puts the data and insights needed for informed risk assessment at the fingertips of the underwriter and allows them to shift their focus to accurate risk pricing and prevention.<\/p>\n\n\n\n<p>Having such a technological edge is crucial in today\u2019s employment environment, as a significant portion of the underwriting workforce is poised to retire and there are challenges recruiting and upskilling younger generations into this role. The old, tech-free ways of legacy underwriting are phasing out, while the millennial and Gen Z workforce is looking to leverage advanced technology solutions that help them work faster and smarter.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-underwriters-can-be-your-growth-engines\">Underwriters can be your growth engines<\/h2>\n\n\n\n<p>Streamlined underwriting provides the underwriter with the right data at the right time so they can make the fastest, most informed decision.<\/p>\n\n\n\n<p>Large commercial line insurers can expect this to produce quicker policy issuance, better risk selection and improved profitability. For small and medium-size enterprise insurers, the newly imagined underwriter enables more tailored products, quicker turnaround times for policy issuance and improved risk management processes. In all cases, the broker and the end-consumer benefit from immensely improved and expedited communication and a more personalized experience.&nbsp;<\/p>\n\n\n\n<p>Adopting and leveraging advanced technology to access data that unlocks new opportunities for growth enables underwriters to work swiftly, attract more business and successfully enter and gain traction in new markets.<\/p>\n\n\n\n<p>Leveraging triage functionality within a workbench to support an underwriter could look like this: The risk comes into the workbench and based on a ruleset, is flagged as <em>red, yellow <\/em>or<em> green<\/em>.<em> Green<\/em> risks generate automatic approvals that don\u2019t require the underwriter\u2019s attention, providing the underwriter more time to dedicate to the <em>yellow<\/em> and <em>red<\/em> risks \u2014 areas where they can add significant value by determining how to make that risk profitable through risk management or pricing. Instead of automatically denying these riskier scenarios as has been done in the past, the underwriter can take advantage of more specific data and AI capabilities that, when combined, help them strategically tailor and price a product to meet the customer\u2019s need.<\/p>\n\n\n\n<p>Underwriters can glean further property-specific information using third party tools that can analyze photographs of insureds\u2019 and prospective customers\u2019 equipment, for example, and provide accurate details on valuation, maintenance, age or malfunctioning issues. These tools give the underwriter an accurate, real-time understanding of a building\u2019s contents and potential risk, empowering them to step into a consultative role and advise customers on how to best mitigate future risk and avert losses. &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-in-conclusion\">In conclusion<\/h2>\n\n\n\n<p>When underwriters are elevated with the right training and powerful, modern technology they produce impressive results as sales enablers, broker relationship consultants and book managers. Whether your business has yet to begin the underwriter evolution or is on its way to harnessing better data and insights and implementing new policy systems or workbench tools, dedicating effort and resources to transform the role of the underwriter is a worthwhile investment that will help carriers secure a competitive advantage by making their talent more valuable.<\/p>\n\n\n\n<p><a id=\"_msocom_1\"><\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-people-slider section section--expert-slider wrapper-people-slider undefined\"><div class=\"container\"><div class=\"content-title\"><h3 data-maxlength=\"34\">Meet our experts <\/h3><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2022\/07\/Kreisling-Pic-1.jpg\" alt=\"Kelly Reisling\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"subnav-button--form\" href=\"javascript:void(0)\" aria-label=\"contact us\" data-bs-toggle=\"modal\" data-bs-target=\"#WPB516c053e_ca25_46fa_b251_f6ea8219c541\" data-bs-expert-title=\"1\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"ico-form\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/kelly-reisling-a1a0986\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Kelly Reisling<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Global Underwriting Lead, MBA, CPCU<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"subnav-button--form\" href=\"javascript:void(0)\" aria-label=\"contact us\" data-bs-toggle=\"modal\" data-bs-target=\"#WPB516c053e_ca25_46fa_b251_f6ea8219c541\" data-bs-expert-title=\"Kelly Reisling\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"ico-form\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/kelly-reisling-a1a0986\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">A former P&#038;C Senior Vice President and CUO, Kelly is a leader in driving digital transformation in underwriting. 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class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/01\/PC-Insurance-Industry-Web-Banner-2880x1800-1.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/01\/PC-Insurance-Industry-Web-Banner-2880x1800-1.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/01\/PC-Insurance-Industry-Web-Banner-2880x1800-1.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Property and Casualty Insurance\" href=\"\/us-en\/industries\/insurance\/property-and-casualty-insurance\/\" target=\"_blank\" rel=\"noopener noreferrer\"><h4>Property and Casualty Insurance<\/h4><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Smart underwriting\" href=\"\/us-en\/smart-underwriting\/\" target=\"\" rel=\"noopener noreferrer\"><h4>Smart underwriting<\/h4><\/a><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Streamlining the underwriting role with powerful, advanced technology boosts efficiency, accuracy, and experience to unlock new business growth.<\/p>\n","protected":false},"author":33,"featured_media":721449,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"357e4974-9220-4ca3-8e6d-1984068ffc59\",\"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":0,"primary_term":"Business 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