Underwriting has always been segmentation. AI makes the segment a single person.​

Price every risk like it's the only one. Millions of times a day. 
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You cannot price an individual risk on data built for a segment.

 

Segment-of-one underwriting fails on fragmented data and ungoverned models, not on ambition. IBM Consulting builds the shared foundation on Microsoft that makes individual risk pricing and accurate renewal repricing possible. ​

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Scaling AI across the book 85% Run in multi-cloud environments¹


Most insurers must connect data and applications across multiple clouds and legacy on-premises systems before AI can see the full picture of risk.​

 48% Higher Net Promoter Scores¹


Early adopters of generative AI in customer-facing systems report higher scores than insurers that haven’t adopted the technology. ​

 56K+ Microsoft Azure certifications


IBM Consulting brings deep Microsoft expertise to building the governed data and AI foundation insurers need to scale with confidence.​

Build it once. Extend it everywhere.

See how Virgin Money partnered with IBM and Microsoft to build an AI assistant with Microsoft Copilot technology, starting with a single product line so the platform and its governance patterns could extend across the business.

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Insights

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The blueprint for agentic operations


New IBM Institute for Business Value research finds 40% of financial institutions lack confidence their operating model can absorb AI-driven disruption, and only 28% run an agentic operating model today. See what closing that gap requires.

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2026 Global Outlook for Banking and Financial Markets​


Based on a survey of 500 financial services executives, this outlook examines how tokenized settlement, modernized computing, and agentic AI are reshaping the industry. 77% say modernized computing and cloud investments are essential.​

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Reducing technical debt while modernizing at scale


See how IBM is helping organizations modernize brownfield applications more efficiently by combining deterministic insights with agentic AI, reducing complexity and accelerating transformation outcomes.

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Inside the IBM Microsoft Practice


Explore the full range of IBM Consulting services built on Microsoft, from data and AI to application modernization and cloud security, backed by 33,000 Microsoft-certified consultants.

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Ready to take the next step?

Tell us where AI is stuck, from underwriting to operations. An IBM Consulting expert will follow up to talk through your use cases, your current Microsoft environment, and what it would take to scale.​

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Footnotes

1 IBM Institute for Business Value. State of the Insurance Industry. IBM, 2026.