Multiple reports say improvements in term life insurance affordability are linked to the growing use of digital underwriting. The outlets note that digital underwriting lowers both servicing and acquisition costs for insurers by streamlining processes that would otherwise require more manual review and operational effort. As these costs decline, pricing becomes more efficient, leading to more competitive term life insurance rates for customers.
While the coverage focuses on affordability improvements rather than specific product launches or pricing figures, it consistently attributes the change to cost reductions enabled by digitisation of underwriting workflows. The reports describe the shift as enabling insurers to price term policies more effectively, which in turn helps narrow an affordability gap.
Taken together, the sources present the same core mechanism—digital underwriting driving lower insurer costs—without emphasizing a particular company or market segment. The articles therefore frame affordability gains as an industry-level trend resulting from operational efficiency rather than a one-time policy or regulatory change.
