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AI in Underwriting: 2025 Survey Results

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How underwriters are adopting AI

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AI is no longer optional in underwriting. What was once a future possibility is now a reality.

Together with Intelligent Insurer, we surveyed over 200 insurers and brokers to uncover how AI is transforming underwriting today, and what’s next.

Adoption is accelerating, with 81% of underwriters either exploring, piloting, or already using AI and over half now see AI as a co-pilot rather than a replacement.

 

 
"At Send, we see AI as a foundational shift that will reshape how underwriters work, how insurers compete, and how the market evolves. The time to move beyond pilots is now. AI isn’t waiting in the wings; it’s already on the underwriting floor."
 
Andy Moss
Co-founder and CEO, Send

 

Noteworthy stats from the report:

  • 77% say AI is the biggest lever to improve underwriting performance and profitability this year.
  • 75% expect AI investment to grow in the next 12–24 months.
  • 60% believe AI adoption helps attract and retain top underwriting talent.

Download the report to learn more and see how AI is reshaping underwriting.

 
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