Know The Underwriting^™

What goes into an underwriting decision, and what can an independent agent learn from it?

Know The Underwriting™ brings experienced specialists into the conversation to explore how risks are evaluated, which details matter, and where professional judgment makes a difference. Through direct questions and answers, we connect the underwriting perspective to the work agents do for their clients.

Erik L 10/14/26 Erik L 10/14/26

The Underwriter Had Questions: The Untold Story

An enthusiastic producer. A substantial manufacturing account. And a new-business opportunity that appeared to fit perfectly within the carrier's underwriting appetite.

Then the underwriter opened the attachments.

What followed was an extraordinary series of questions that even an experienced underwriter might never have imagined asking.

Sometimes, the real story isn't the one presented in the submission.

Erik L 9/26/26 Erik L 9/26/26

How is AI changing the way underwriting gets done, and where do human judgment and relationships still make the difference?

AI can help underwriters gather information and spot patterns, but a sound decision still depends on people asking what is missing and understanding the risk. Four insurance professionals share where AI helps and why judgment and relationships remain essential.