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Imagine a future where underwriters can have complete medical records available at their fingertips. Now, add to that instantly accessible up-to-date information about the applicant’s blood pressure, heart rhythm and other vital physical signs. In such a future, underwriting will become faster, cheaper and better. In the U.K., there is a growing belief that this future is nearly here. 

Recent technological and medical advancements are enabling easy access to medical information, bringing challenges and major opportunities for insurers. So what do these technological and medical advances mean for underwriters? This paper explores the implications of these changes.