Life and health: eligibility, disclosures and protected data
Life/health selection and underwriting require additional consent, sensitive-data controls and jurisdiction-specific conduct; high-stakes outputs should not be delegated without controls.
Executive question
Where is human and regulated decision oversight nondelegable?
What to measure
- Protected-data access and consent coverage
- Adverse decision fairness and appeal rate
- Eligibility correction rate
Relevant products and standards
A working draft, stewarded by Marrow, for how AI agents quote, compare and buy UK regulated insurance, with rules on consent, disclosures, data use and audit.
Insurance-specific agents for pricing, underwriting and retention decisions.
A decision platform for banks, lenders and insurers to build automated decision workflows and AI agents (for example, claims or onboarding review) with human experts monitoring results.
Relevant examples, not documented integrations, completeness, certification or endorsement. Listed alphabetically.
Evidence and current limits
Strategic pathway; not an observed market-wide adoption rate.
Draft analysis, under editorial review.