Aviva launches a GenAI summarisation tool that condenses long medical reports to speed underwriting decisions.
Aviva is rolling out a GenAI summarisation tool that targets one of life insurance underwriting’s most persistent bottlenecks: the manual review of lengthy medical reports. Underwriters often receive GP documents exceeding 90 pages, packed with irrelevant detail and inconsistent formatting. These constraints slow decision-making, increase operational strain, and extend customer wait times. Aviva’s new GenAI system tackles this challenge. This is by converting dense clinical histories into concise, structured summaries that surface only the most relevant risk indicators.
The model applies natural language processing tuned for medical domains to extract diagnoses, key events, and time-critical data. It filters non-essential entries and highlights factors that influence underwriting outcomes. Aviva underwriters still review all AI summaries. While also ensuring human oversight remains central while reducing the cognitive overhead associated with full-document analysis. This hybrid workflow preserves judgment-based evaluation while cutting the time required to reach a decision. The system supports faster triage, more consistent interpretation. And also reduces task switching for underwriting teams.
The tool has undergone eighteen months of testing, including strict quality checks and risk controls. During an active test phase, the GenAI system processed 1,000 real cases, delivering significant improvements in turnaround times across diverse medical profiles. These results confirm that the model can maintain high accuracy, handle long-format clinical narratives, and operate safely within Aviva’s governance structure. The evaluation process also validated the model’s stability, ensuring it does not overlook important clinical details while summarising complex histories.
Aviva plans to deploy the tool across its underwriting organisation from 28 November, positioning itself as the first insurer to introduce GenAI summarisation at commercial scale. By embedding GenAI into underwriting workflows, Aviva aims to reduce processing delays, improve customer experience, and support underwriters with actionable, context-rich insights. The initiative reflects how generative AI can modernise high-volume, document-heavy decision environments while retaining essential human oversight.
