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ARTICLE · 15 JANUARY 2019

Eyeing AI: Artificial Intelligence And Its Increasing Impact On The Insurance Industry

Mayer Brown
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The use of artificial intelligence ("AI"), which may be defined as the development of computer systems able to perform tasks normally associated with human intelligence ...

United StatesInsurance
Lawrence Hamilton
Lawrence Hamilton
Brad Peterson
Brad Peterson
Sanjiv J. Tata
Sanjiv J. Tata
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The use of artificial intelligence ("AI"), which may be defined as the development of computer systems able to perform tasks normally associated with human intelligence, has grown exponentially across various industries over the past decade. This trend is expected to accelerate due to declining technology costs, improving AI software, and expansions in the amount of data available.

The insurance industry, perhaps reflecting its cautious conservatism, has been slower than many other industries to leverage AI platforms and solutions to replace previous industry practices. Accordingly, the insurance industry is ripe for change, as the use of AI increasingly becomes the norm in other industries. Industry leaders are focusing on uses in marketing (making it faster and easier to buy insurance), policy design (with premiums more focused on risks such as driver behavior), underwriting analytics (using nontraditional data sets), claims (with more rapid settlements based on

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