Gen Re's 2025 Survey on Life Underwriting Innovations in the US

Gen Re Unveils 2025 Survey on U.S. Individual Life Underwriting Advancements

In its latest annual survey, Gen Re has announced the findings of its 2025 U.S. Individual Life Next Gen Underwriting Survey. This detailed study explores crucial underwriting processes, such as throughput rates, underwriting evidence sources, mortality outcomes, and the tools for auditing both pre-policy and post-policy issuance. These surveys provide significant insights into the underwriting landscape that can aid in enhancing regulatory compliance and risk management.

A total of thirty carriers in the Individual Life insurance sector participated, accounting for over 2 million issued policies and managing a volume of $827 billion. Gen Re notes that these insurers are at varying stages of adopting AI-driven underwriting advancements, highlighting the shift towards more efficient risk management practices. The dynamic shifts emphasized in the survey intend to guide providers in optimizing their underwriting frameworks to align with emerging trends within the industry.

The annual survey results are available exclusively to participating entities, while a high-level summary is accessible on Gen Re’s website. This initiative underscores Gen Re's commitment to supporting the insurance industry by offering tailored reinsurance solutions and comprehensive research. For more information on the 2025 survey results and other Gen Re services, visit their official website.