The study, Underwriting the Future: The Role of Artificial Intelligence in Insurance, sponsored by SAS, drew on insights from executives at Zurich North America, HDI Global, Tokio Marine and Manulife. It found that insurers are using AI to accelerate coding workloads, streamline customer service and enable real-time monitoring of emerging risks such as cyber and climate. These advances, though incremental, are driving investment and drawing board-level attention.