Life new business underwriting is being reshaped by digital transformation, evolving consumer expectations, and advanced technology. Customers now expect intuitive, fast, and digitally enabled experiences, while AI and enriched data are streamlining underwriting decisions. Carriers and solution providers are expanding end-to-end platforms, replacing fragmented transactions with holistic digital journeys. Simplified, solution-based product bundles are also replacing complex individual offerings. Meanwhile, traditional operational metrics like NIGO are declining in relevance as AI-driven automation improves processing accuracy and efficiency.

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