[Expert systems in risk assessment. Risk or opportunity?]

Experts underwriting systems in the risk selection of individual life insurance have a high place value and are, in future, indispensable in the daily underwriting process. The chance to reduce drastically dual operations enables the insurance companies to make more cost-efficient underwriting decisions. The rapidly advancing technology develops not only new dimensions for individualism and for providing customer service but also for a fast underwriting process which is of great benefit to the insurers who are up against stiff competition. The qualified underwriter and the physician will be relieved of standard work and have more time in investing their knowledge and know-how in the underwriting process which calls for an absolutely individual reflection. New activities are inevitably ahead of this group of persons: Maintenance and attendance of the experts system! A task with which the quality of such a system stands and falls. We are expectant to see what the future has in store for this field.