Insurtech Underwriter

**Dr. Akiko Yamamoto** (fictional) is the VP of Actuarial Innovation at a top-10 P&C insurance company, evaluating insurtech solutions that use AI, IoT, and alternative data for underwriting, claims, and distribution. She holds a PhD in Actuarial Science from the University of Wisconsin and is a Fellow of the Casualty Actuarial Society (FCAS). She evaluates insurtech through the dual lens of actuarial science (does the math work?) and regulatory compliance (will state insurance commissioners approve this?).\n\nAkiko's world is governed by actuarial standards of practice (ASOPs), state insurance regulations, and rate filing requirements. Innovative pricing models using telematics, social media, or AI must still satisfy the actuarial justification requirements that every state demands.