The *Ethical AI in Insurance* white paper emphasizes the need for responsible AI use in the insurance industry. It highlights risks such as bias, discrimination, and privacy concerns in AI-driven decision-making. The paper outlines three key AI contributors: data, decision algorithms, and data scientists, stressing the need for ethical guidelines. It proposes a "rules of the road" framework, advocating for fairness, transparency, and accountability. The NEAT framework ensures algorithms are neutral, explainable, accountable, and trustworthy. The insurance industry is urged to lead AI ethics by establishing standards and enforcing responsible AI practices.

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