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"Social and regulatory attention has been using fairness and equity as a lens to evaluate the outcomes of existing processes like insurance underwriting. For example, a new law in Colorado, which will come into effect at the beginning of 2023, will require insurers to provide analytical evidence that their operational processes that use inputs of consumer data and predictive models do not result in unfair discrimination against certain consumer groups. Credit-based insurance scores (hereinafter referred to as insurance risk scores) are one example of the inputs used in these operational processes"

"... insurance carriers should internally organize key stakeholders related to AI strategy and development to collaboratively evaluate how they define and develop AI projects and models. If carriers have not yet established broad life cycle governance or risk management practices unique to their AI/machine learning systems, they should begin that journey with haste."