<h1>Life insurer deploys AI underwriting engine automating risk decisions, raising transparency, data protection, accuracy and liability concerns</h1> An Indian life insurer launched an AI-driven Underwriting Rule Engine (URE) that automates risk assessment and policy issuance by analyzing applicant data, medical history and telemedicine inputs to expedite approvals, reduce paperwork and limit medical tests. The system generates real-time accept/decline decisions and uses external/internal data sources, raising legal considerations including algorithmic decision transparency, data protection and consent, accuracy and liability for erroneous automated denials, fair treatment under insurance regulations, and auditability of models for regulatory compliance and claims disputes. The insurer reports improved issuance speed and persistency metrics.