Why AI in insurance claims and underwriting will be a game changer in 2026

Claims and underwriting sit at opposite ends of the insurance lifecycle, yet both face the same pressures: rising volumes, increasing policy complexity, tighter regulation, and higher expectations for speed and accuracy. Teams must make confident decisions using information scattered across multiple documents and systems. Claims handlers reconcile FNOLs, policies, endorsements, and invoices, while underwriters review loss runs, broker submissions, guidelines, and risk disclosures. As scale increases, manual review and task-based automation no longer keep pace.
AI addresses this challenge by adding structure, context, and consistency to complex workflows. Rather than replacing expertise, it connects information across documents, applies standardized logic, and surfaces insights early. In claims, AI evaluates coverage eligibility, identifies missing information, detects anomalies, and supports defensible payment decisions. In underwriting, it consolidates submissions, applies appetite guidelines, enriches data with external risk signals, and prioritizes opportunities based on portfolio fit. BluePond.AI’s Claims CoPilot and Underwriting CoPilot bring this intelligence into daily operations. Claims CoPilot creates a connected, auditable claims journey from intake to payout, reducing manual effort and preventing leakage before payment. Underwriting CoPilot streamlines the submission-to-quote process, scoring and summarizing risks so underwriters can focus on judgment rather than data gathering. By 2026, AI-powered claims and underwriting will define competitive advantage. Insurers that embed intelligence into decision-making will achieve faster cycles, stronger compliance, improved portfolio quality, and greater confidence at scale. To read full blog - Why AI in insurance claims and underwriting will be a game changer in 2026

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