文章推荐：寿险年金保险与精算中的人工智能、科技和数字化转型｜保险学术前沿

Core Viewpoint - The life and annuity (L&A) insurance industry is undergoing a significant transformation driven by AI, big data, and digital technologies, enhancing efficiency, accuracy, and customer experience while facing challenges related to data privacy, ethics, and regulatory compliance [6][7][46]. Group 1: AI and Digital Transformation - AI enables real-time analysis of vast data, improving underwriting efficiency, risk prediction, personalized policy pricing, fraud detection, and claims management [3][6]. - Emerging technologies such as IoT, RPA, and NLP are making the actuarial industry more data-driven, transparent, secure, and interactive [3][6][38]. - The integration of AI and digital technologies is essential for the sustainable development of insurance companies in a rapidly changing environment [9][10]. Group 2: Benefits of AI in L&A Insurance - AI significantly enhances risk assessment and underwriting by allowing dynamic evaluations based on real-time data, leading to more personalized policies [12][18]. - AI improves claims processing and fraud detection by automating complex workflows and identifying suspicious claims patterns [13][23]. - Customer interactions are enhanced through AI-driven chatbots and virtual assistants, providing 24/7 service and personalized recommendations [15][43]. Group 3: Challenges of AI Implementation - The widespread application of AI in L&A insurance faces challenges such as data privacy concerns, ethical dilemmas, algorithmic bias, and regulatory frameworks [4][46]. - The complexity of implementing AI systems within existing frameworks poses significant resource demands and requires substantial investment in infrastructure and training [56][57]. Group 4: Emerging Technologies in L&A Insurance - IoT devices facilitate real-time data collection from policyholders, allowing for tailored insurance plans and proactive health monitoring [39][41]. - RPA streamlines claims processing and compliance tasks, reducing operational costs and improving efficiency [42]. - NLP enhances customer service through AI chatbots, enabling efficient handling of inquiries and claims processing [43][44]. Group 5: Future Outlook - The L&A insurance industry must balance innovation with ethical considerations and regulatory compliance to maximize the benefits of AI while addressing its challenges [61]. - Companies that leverage AI to provide personalized, scalable services will be better positioned in the competitive market [60].