Filed under human-in-the-loop.

The Underwriter Reads Second

The safest AI architecture in insurance underwriting does not let the model decide — it lets the model read. Across every serious deployment in Japan and Korea in 2026, the machine extracts, classifies, and routes; a named underwriter signs the outcome. Japan's FSA and Korea's FSC arrived at this split from different premises — explainability on one side, fraud containment on the other — and reached the same architectural conclusion.