Aviva introduces AI summaries to speed up life underwriting

Aviva is rolling out an AI-powered summarisation tool for individual life underwriting, using generative AI to condense lengthy GP medical reports into short, decision-ready summaries. The insurer says the system will help underwriters make faster, more informed decisions without compromising accuracy.

The tool goes live across Aviva’s underwriting teams on 28 November and is expected to be the first of its kind in the market. It reduces digital medical reports—often more than 90 pages—into concise summaries that filter out irrelevant detail and flag key information. Underwriters will still review the summaries and make the final decision.

Aviva tested the system for eighteen months under controlled conditions and ran it through 1,000 active cases, reporting meaningful improvements in turnaround times.

“Protection underwriting in our industry has faced challenges for some time with underwriters needing to review lengthy digital medical reports, which can be extremely time consuming. I’m delighted that we’re announcing how Aviva is leading the way with this exciting innovation, and the new summarisation tool will deliver real benefits for customers and underwriters alike. By leveraging generative AI responsibly, we’re improving efficiency without compromising accuracy or care.” – Robert Morrison, chief underwriting officer at Aviva.