ANZ OnePath using AI and fuzzy logic to avoid 'the dreaded other'

Applying for life insurance is a long and often frustrating process. Thousands of questions on seemingly every medical condition ever suffered – except yours. "We've had multiple occurrences where people answer no to all the [medical] questions, then they come to the'other' box at the end and they'll go – 'oh yeah I've had X'. And that question is actually back there, but they didn't understand it so they defaulted to'other' and started writing chapter and verse about their medical condition," explains ANZ OnePath's chief underwriter Peter Tilocca. Whenever answers are given free form, typically the application will require the scrutiny of an underwriter.