In order to calculate the risk of loss and establish premium rates, insurance companies have underwriters that do this for them. The underwriter assesses the application of a person whether it would be beneficial for the insurer to issue the policy and at what cost. The work of an underwriter can be very difficult because he cannot be too conservative or too liberal in deliberating insurance coverage.

Computers help underwriters to analyze submitted information from applications of policy buyers. Underwriters are the link between the insurance agent and the provider to help agents sell the correct coverage to clients. Technology plays a big role in the work of an underwriter because it helps him to evaluate insurance applications based on a company set of rules.

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