Aviva is pioneering the use of an AI underwriting summarisation tool for critical illness (CI) insurance applications, enhancing its innovative approach to individual protection insurance. Initially launched in November 2025 for life insurance, this tool significantly improves underwriting efficiency and turnaround times. It supports underwriters by quickly summarising medical reports, cut review times by 50%, and enabling faster decision-making at the application stage. This expansion into CI insurance marks Aviva as the first insurer to utilize such technology in this sector. The sophisticated AI technology analyses complex medical conditions and risk factors, ensuring high summarisation accuracy through extensive testing. According to Robert Morrison, Chief Underwriting Officer at Aviva, this initiative underscores their commitment to making protection insurance more accessible and efficient. The tool is set to enhance customer experiences, simplify processes, and the next goal is to extend AI summarisation to income protection. Aviva is leading the way in transforming insurance with generative AI.
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