Then came 2021, when insurers focused on pandemic recovery and meeting customer expectations for digitization and personalization. While adapting to the latest insurance technologies was a challenging experience for many carriers, those who did are selling more benefits faster and smarter than ever before. From underwriting and claims to the customer journey and distribution methods, here are the top insurance technology trends our team believes will be beneficial to carriers in 2022. It was once common for insureds to undergo in-person evaluations in traditional underwriting. However, this proved a challenge during the pandemic, and many insurers had to embrace new underwriting methods. The goal of automated underwriting is to streamline information-gathering and reduce as many human touchpoints as possible. Automated underwriting uses tools and techniques like robotic process automation and artificial intelligence to import and correct data, assess risk and determine how much coverage a client should get and how much they should pay in premiums. It is important that automated underwriting programs incorporate an insurer's business rules, halting the process when human intervention is required. To this end, automated underwriting technology should enable granular configuration of roles and permissions. The benefits of saving time and money have led to many insurers implementing automated underwriting into their value chain.