The underwriting landscape continues to transform as insurers balance new technology, data, and expertise. In this year’s PartnerRe US Life underwriting survey, 25 life insurers revealed how underwriting leaders are adapting to change, embracing digital tools, and preparing for the next generation of talent.
This quick read highlights the key findings and insights from our 2025 survey, reflecting the dynamic nature of life insurance underwriting.
Carriers are expanding and refining their accelerated underwriting programs, while also reimagining traditional approaches to improve efficiency and customer experience. Many are integrating data sources and workflows first tested in accelerated programs, focusing on consistency, speed, and smarter decision-making. Many carriers are still facing challenges with AUW programs, with 60% citing training and change management for underwriting staff and distribution as the most significant hurdles.
Digital health data has become a cornerstone of modern underwriting. Electronic health records (EHRs) and medical claims data are now central to evaluating risk, offering faster access to relevant insights than traditional medical reports. Our survey found that 88% of carriers use EHRs and 84% use medical claims data. While usability and data gaps continue to pose hurdles, carriers are committed to expanding the role of digital data as they move toward more seamless, automated, and customer-friendly processes.
The rise of artificial intelligence (AI) introduces opportunities to enhance underwriting efficiency and insight, but it also brings challenges in maintaining fairness, transparency, and regulatory expectations. More than half of carriers surveyed expect over 10% of their underwriters to retire in the next five years. This raises concerns about knowledge loss and recruiting challenges. Modern underwriters are expected to combine critical thinking, risk analysis, and medical expertise with strong communication and data skills.
The 2025 findings reflect an industry in transition. Technology is advancing, data capabilities are expanding, and experienced talent is retiring. Through close collaboration with carriers, our client partners help guide this evolution with deep expertise and strategic insight, helping to meet the unique needs of our clients while preparing for the future of underwriting.
If you are interested in learning about our detailed findings, please contact us.
Karen Phelan, VP Underwriting Strategy & Innovation, US Life
Irina Volfson, Data Scientist
Julia Claudio, Senior Medical Underwriter, US Life
Ehren Nagel, Head of Actuarial Innovation, US Life