Aviva has expanded its AI-powered underwriting summarisation tool to individual critical illness applications, marking a further step in the use of generative AI across protection insurance.
The tool, initially launched for individual life insurance in November 2025, converts medical reports into concise, decision-ready summaries. According to Aviva, it has already improved efficiency and reduced review times per case by around 50%.
With the latest rollout, Aviva becomes the first insurer to apply the technology to critical illness underwriting. The company has extended its AI framework to manage the added complexity of the product, including a broader range of medical conditions and risk factors, with testing showing comparable accuracy to its life insurance use case.
The solution supports front-end underwriting by enabling faster assessment at the point of application. It also facilitates post-application audits, providing additional oversight and consistency across underwriting decisions.
Looking ahead, Aviva plans to extend the summarisation capability to income protection, further embedding AI across its protection product suite.
Robert Morrison said: “Building on the recent launch of our life insurance AI summarisation underwriting tool, this is another important step in our commitment to making protection insurance faster, simpler and more accessible for our customers using generative AI. Throughout development, we’ve focused on enhancing the stages of the underwriting journey that deliver the most material gains for customers, advisers and our underwriters in both service and efficiency. Our current capability also extends to post-application auditing, and our next focus will be on delivering summarisation for income protection. By bringing AI summarisation to the protection market, we’re helping more customers get the protection they need more quickly.”
The development highlights growing momentum in the adoption of AI-driven underwriting tools, as insurers seek to streamline processes, improve accuracy, and enhance customer experience across increasingly complex protection products.
