The only constant in underwriting is change, and that statement is probably more true now than at any point in the past. Karen Cutler, V.P., Head of Underwriting and Claims and Chief Underwriter, Manulife and Dr Bruce Empringham, Medical Underwriting Consultant will speak to changes in underwriting and claims adjudication brought on by AI, medical advancements, legislative changes and the desire to be more inclusive. They will address the details of the change, the impact on the future of underwriting and claims adjudication and specifically the high net worth market. Karen and Bruce will speak to commonly asked questions on current underwriting topics and present case studies to demonstrate how they impact underwriting. They also hope to get questions from the group so please come prepared with your questions to help us make this an interactive session.