# With more submissions than ever, carriers and MGAs face:

## A critical shortage of underwriters to review them all.

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### Insurance is grappling with an underwriting talent crunch fueled by two converging factors:

### The underwriting talent pool is shrinking fast.

By 2026, **400,000 insurance employees** in the U.S. are expected to retire.

### Insurance struggles to attract the best new talent.

The industry has a reputation for being **outdated**, **unexciting**, and **lagging behind in technology adoption**.

# Increasing submission throughput used to be simple: just hire more underwriters.

Now with fewer underwriters available **it's time to explore different approaches.**

## Insurance presents its own unique challenges that any submission processing team must address.

### Review everything quickly.

Current processes are highly manual, and as a result, **submissions get reviewed too late or not at all.**

### Handle complex submissions without sacrificing accuracy.

Any new approach **cannot introduce errors** that have to be found and corrected.

### Keep your experienced underwriters in control.

Insurance requires hard-earned experience, expertise, and human judgment in complex situations. **Removing underwriters completely creates unnecessary risk.**

## It’s tempting to see AI as the “silver bullet” for your underwriter shortage, but it’s not that simple.

Submissions are too messy and subjective for current AI solutions to replace your people.

### Pre-trained templates

Cannot handle the **variety and constant change** in submission document formats coming from the market.

### Gen AI

Is not trustworthy as it is **prone to hallucinations** and **cannot explain its answers**, making it hard for people to verify, improve and ultimately trust.

### "Black box" AI models

Without **explainability**, **auditability** and **human oversight** will not be compliant with current and upcoming AI regulations.

## AI falls short when it aims to remove human underwriters from the process.

##### Its true value lies in augmenting underwriters’ capabilities, not in replacing them.

Underwriters are experts who use their experience and judgment to evaluate risks that are too complex and nuanced for AI alone.

## Augmenting your people with AI is the future.

### Embrace AI Augmentation

AI works best when it **empowers underwriters**, allowing them to **apply their expertise** in new, innovative ways.

[Discover how AI empowers teams](https://sortspoke.com/our-approach)

### Prioritize The Right New Business

Successful insurers know that not all submissions are equal— AI helps them **prioritize those most likely to bind**, even the most complex, **boosting their win rates**.

[See how AI gives you an edge](https://sortspoke.com/our-approach)

### Keep your Experts in the Loop

By adopting **human-in-the-loop AI**, underwriters can **work faster** and **more efficiently**, all while maintaining their **crucial role** in the process.

[Find out how AI and experts work together](https://sortspoke.com/our-approach)

THE NEW APPROACH

## Learn how to boost your submission processing by 2x—no new hires, no loss of control, and without taking humans out of the loop.

[See the new approach](https://sortspoke.com/our-approach)