Life Underwriting
Life underwriting is evolving—from traditional risk scoring to AI‑driven decision support. But innovation must be paired with actuarial oversight. Whether calibrating manual guidelines or validating GenAI‑enabled tools, independent actuarial input ensures underwriting remains fair, explainable, and professionally defensible.
Scope of Services
David Schraub Actuarial Consultancy provides independent oversight for life underwriting modernization. From guideline calibration to validating complex AI-driven tools, we ensure your processes remain technically sound, actuarially fair, and fully compliant.
Underwriting Rule Review & Calibration
Evaluating underwriting guidelines, scoring logic, and decision thresholds to ensure consistency, fairness, and alignment with mortality expectations and regulatory standards.
External Data Integration Oversight
Evaluating the use of third‑party and alternative data sources in automated underwriting to ensure transparency, fairness, and regulatory compliance.
GenAI‑Enabled Underwriting Oversight
Testing and validating GenAI‑driven underwriting tools for bias, explainability, and compliance with ASOPs and emerging AI governance frameworks.
Automated Underwriting Program Review
Assessing the design, governance, and real‑world performance of automated underwriting programs to ensure accuracy and alignment with regulatory expectations.
Why Choose David Schraub Actuarial Services
David Schraub Actuarial Consultancy delivers senior‑level actuarial and regulatory expertise with the efficiency and focus of an independent practice. Clients gain direct access to deep technical judgment at a cost structure large firms cannot match. Through established partnerships with Solytics‑Partners and Arocha & Associates, the firm brings a scalable bench of specialized talent while maintaining single‑point accountability. The result is expert guidance, efficient execution, and the capacity to take on complex, high‑stakes work with confidence.