Synapse
⌘+K
Synapse
PulseExploreClubsResearchersJournals
Instagram
HomeClubsExplore
July 27, 2026Cureus Journal of Computer Science.Open Access

An Analytical Study of Algorithmic Bias Mitigation Frameworks in Multi-State Personal Lines Insurance for Regulatory-Ready Artificial Intelligence Underwriting

View Full Paper
Ask AI
Bookmark
Share

Authors

ARAnushka V Rodi

Discussion

Loading...

Member takes

Overview

Randomized trial assesses an AI risk score framework for compliant insurance pricing, suggesting regulatory readiness.

Key Points

  • The aim is to assess the effectiveness of Neurosymbolic Governance in mitigating algorithmic bias in insurance pricing while complying with state regulations.
  • Tested the framework through a simulation-based architectural evaluation using 10,000 synthetic underwriting profiles.
  • Measured the impact of deterministic regulatory guardrails on AI risk scores in pricing.
  • Evaluated proxy discrimination gaps across demographic segments pre- and post-implementation.
  • In standalone configuration, the mean proxy discrimination gap was 14.48% (95% CI: 13.95%-15.05%).
  • With regulatory guardrails, the discrimination gap reduced to 0.14% (95% CI: 0.04%-0.45%), a 98.6% reduction.
  • Mean per-transaction latency increased from 120 ms to 125 ms (+4.2%), considered practically insignificant.

Cite This Study

Anushka V Rodi (2026) studied this question.

synapsesocial.com/papers/6a67004840bca442e0d4a059https://doi.org/10.7759/s44389-026-00181-0
View Full Paper
Ask AI
Bookmark
Share

Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Algorithmic Bias Under the EU AI Act: Compliance Risk, Capital Strain, and Pricing Distortions in Life and Health Insurance Underwriting2025 · 5 citations
  2. 2Advanced Data-Driven Frameworks for Intelligent Underwriting Risk Assessment in Property and Casualty Insurance2023 · 1 citations
  3. 3Fairness Assessment and Ethical Governance of Insurance AI: A Patch Approach for Vulnerable Groups2025
  4. 4Harnessing Artificial Intelligence for Risk Assessment and Fraud Detection in Insurance: A Modern Approach to Predictive Modelling2025
  5. 5Artificial Intelligence and Machine Learning in the Insurance Industry: Methods, Applications, Risks, and a Roadmap for Responsible Adoption2024