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Technology Frees Underwriters from Armchair business

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Insurance experts the world over, seem to agree that insurance agents have a crucial role to play in insurance. Even a session on IT strategies in a cost-cutting environment held recently under the title at ISOTECH 2009 a lot of discussions was focused on agents. The responsibility to improve relationships now likely falls on the underwriter. The role of the underwriter has changed over the past few years, in part due to technology. Gone are the eight-hour days of sitting at a desk. The availability of business rules and automated underwriting has freed up underwriters to take on somewhat unfamiliar responsibilities, one of which is the face and voice of the insurer to agents.
The relationship between the underwriter and agent is an important one, especially in the current market. It is difficult to grow business under the prevailing economic situation in Nigeria without relying on agents. This is more so as most of the insurance companies do not have offices in the remote areas. Experts believe that no matter the innovations which operators may put in place, agents cannot be easily wished away. According to Desmond Azuwike, general managers of ABC Agency and Brokers, you can introduce new products, but consumers may be demanding for simpler products; you can acquire other companies, but capital markets may be tight. Thus, establishing, maintaining and improving relationships with agents may be the answer, he says adding that companies that take innovative approaches are going to win.
While in the past, underwriters and technology may not have mixed well expert opinion says interest in underwriting technology, especially from personal lines, is growing. "What we’ve seen in talking to underwriters is that it is not really diminishing their intellectual capital or eliminating some of the processes. Rather, it is alleviating some of their manual tasks and enabling them to do more of the analytical work they really want to do.
Technology also is freeing up some of the underwriters’ time to become more involved in the sales process, "As you put this technology in place and offer some rules-based underwriting and pricing, you offload some of the template decisions to the other people in the enterprise and free up the underwriters to build relationships and sell more," he says.
More sophisticated technologies have hit the market over the past few years. Some of these technologies, according to experts enable collaboration between underwriters and agents. "The idea behind a workstation is to enable the underwriters to have a central location where they can access internal and external data needed in order to fully evaluate the risk," he says. "So, for example, on the property side, making it possible to calculate the insurance-to-value or probable maximum loss, or on the reinsurance side, doing some line-setting to determine retention levels for facultative reinsurance. Those are the types of things that these newer platforms provide in the commercial underwriter’s space.
"The balance between technology and relationships is critically important to our business"says Azuwike. He added that "the ease and dependability of technology enables our underwriters to focus their attention on the needs of the agency and the customer. It gives them more time to listen and solve real issues without the distraction that tedious, manual processes can create. It is a combination of science and humanity for us. We like to hear from our agencies; if they are not talking with us, then they are talking to our competitor."
He expressed that at ABC, they view the agent/underwriter relationship as critical. "Agents understand that underwriters are not going to be able to write everything that they send, but what agents really value is an underwriter who can work with the agent to move clients to where they want to be. If there’s not anything the underwriter can do on the price, they have to know the business well enough to suggest alternative coverage for different policy forms. Doing this effectively therefore, calls for a good knowledge of the industry, flexibility, willingness and availability.
Technology today has brought about a more purposeful work schedule which allows junior underwriters to do more of the keying and the processing, thereby giving relief to the senior members of the team to do more team-leading activities internally, or venturing out of the office to industry events and beyond. The present level of industry development has empowered underwriters to interact with agents more often. Such meeting created by this technological breakthrough, can be of tremendous advantage in the cross-selling and up-selling of products as well as product training.
Health Insurance; Why Insurers Place Limitations on HIV/AIDS Patients
Nigeria has a population of over 150 million people.  Out of this, the number of people that have tested positive to AIDS is staggering. Only recently, the Lagos state ministry of health reported that over 1 million people have tested positive in recent times. This is outside the old figures and the equally rising statistics in other states of the federation. Today, the number of people living with HIV or AIDS is awesome.
Insurance companies may be unwilling to cover a client who has tested positive to HIV or has a full blown case. AIDS is a silent and brutal infection and has a devastating effect on the financial lives of the sufferers. Research has shown that every single non-group medical claim policy issued in this country permanently excludes hospitalization expenses incurred due to any sexually-transmitted diseases including AIDS (although AIDS can be caused by other myriad factors other than unprotected sex.) It does not matter if you have a health insurance policy for years and didn’t claim a kobo for maybe a decade. If you get infected with the HIV virus in the 11th year, you will still not be covered for any hospitalization expenses incurred due to this.
Of course, to be fair to the insurance companies there are valid reasons for the exclusions of HIV/AIDS.  This is not unexpected especially against the background that 25 years ago, it was strange to hear of any such disease which has defied all medical researches aimed at finding a cure. The expenses required for treatment and eventual outcome is uncertain. The insurance industry depends on statistics about how many people get infected by the disease as well as the average cost for treating such a disease. This is also inclusive of eventual outcomes to guide in prizing appropriately. Therefore, since no reliable data is available on this, it is not surprising that it is excluded from the scope of coverage to avoid making the cost prohibitive. In fact, one of the insurance companies who spoke with this writer explained that while doing research on this subject, diabetics gave an interesting example whose insurance coverage under the health insurance plans in western countries, is variously accessed and usually very expensive.
Using this as an example, it can be clearly expressed that there is a second stage in health insurance where at least expensive insurance is available. Since HIV/AIDS is such a big issue the government would do well to create some kind of a common re-insurance pool just like it has done for certain categories of insurance such as oil and gas underwriting cover, without which the cost of covering this risk is likely to be prohibitive. Meanwhile, the insurance industry is doing its bit by having co-operative talks with some Non Governmental Organizations (NGO) under this subject. The result, though small, compared with the threats of the disease is at least providing some relief to victims, especially in meeting their treatment needs.
However, when insurance coverage for AIDS is viewed alongside other sexually transmitted diseases, one could understand why other STDs sometimes get the attention which AIDS patients don’t get. Statistical data on these lesser diseases is widely available and treatment protocols and outcomes are reasonably reliable like any other non sexually transmitted disease. Most insurance companies expressed concern that the reason this is so is because it flowed from previous mind-set that has been around for decades. At that time, the popular attitude was centered on the fact that somehow sexually transmitted diseases were immoral and hence anybody getting hospitalized due to them deserves not to be covered for the expenses. On the other hand, insurers probably felt that it was very expensive at that time to treat other sexually transmitted diseases which was perhaps acceptable.
It would be fitting if the National Insurance Commission (NAICOM) and the National Assembly could have regulations aimed at revisiting the entire subject of permanent exclusions. By permanent exclusion, we mean diseases that will not be covered irrespective of how long you have been insured compared with standard permanent exclusions such as congenital defects, cosmetic or obesity treatments, non allopathic treatments which are allowed under various regulations. If any insurance company wishes to expand the list it should be allowed to do so as long as an easily understandable communication is made to a prospective consumer and his prior informed assent obtained.

 


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Nigeria CommunicationsWeek believes that technology makes life more exciting and helps improve the lives of people around Nigeria and indeed the world. So since 2007, we have devoted our energy to independent reportage of technology and how they affect lives.

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FRSC, BSG Renew Pact to Tackle Drink-Driving

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The Federal Road Safety Corps (FRSC) has renewed a strategic partnership with major brewing companies in Nigeria to intensify efforts against drunk-driving and improve road safety nationwide.

The renewed Memorandum of Understanding (MoU), signed with members of the Beer Sectoral Group (BSG), extends the collaboration for another five years, with both sides pledging to deepen public awareness, enforcement and community engagement.

FRSC Corps Marshal, Shehu Mohammed, said the partnership underscores the importance of synergy between government and the private sector in addressing road crashes, particularly those linked to alcohol consumption.

He stressed that saving lives on Nigerian roads requires sustained collaboration, adding that the corps would continue to work with industry players to promote responsible behaviour among motorists.

Speaking on behalf of the BSG, Managing Director of Nigerian Breweries Plc and Chairman BSG, Thibaut Boidin, said the renewal reflects the industry’s commitment to sustained collaboration with regulators. He cited previous joint campaigns, including the Don’t Drink and Drive Campaign, as impactful, adding that the next phase would focus on expanding reach and strengthening implementation.

Also speaking, the Managing Director of Guinness Nigeria, Girish Sharma, said the industry remains committed to supporting initiatives that promote safer roads. He noted that while alcoholic beverages are often blamed for road crashes, the real issue lies in irresponsible consumption, particularly drinking and driving.

“We are here to work with you and ensure that this programme grows bigger and delivers real impact. Saving lives is what matters most,” he said.

Similarly, Chief Executive Officer of International Breweries Plc, Nicholas Kade, commended the FRSC for its dedication, describing the corps’ efforts as critical to making communities safer. He said the brewing industry would continue to support initiatives that promote responsible drinking and road safety.

The Executive Director of the Beer Sectoral Group, Abiola Laseinde, described the renewal as a milestone in public-private collaboration.

She said the partnership had driven nationwide campaigns against drunk-driving, influenced behaviour and reached millions of Nigerians with road safety messages.

Laseinde added that both parties would scale up interventions in the next five years to further reduce crashes and promote responsible alcohol consumption.

The FRSC and BSG’s partnership has been central to national campaigns discouraging drunk-driving, with stakeholders expressing optimism that the renewed agreement will deliver stronger outcomes.

 


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GSMA, Pleias Seek to Close African Language Gap in AI

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Pleias and the GSMA have announced the release of CommonLingua, an open-source language identification (LID) model purpose-built to unlock African language data at scale. It is delivered under the GSMA’s AI Language Models in Africa, by Africa, for Africa initiative, a coalition dedicated to closing the African language gap in AI.

Africa is home to more than 2,000 living languages, many of which remain underrepresented in AI training data. As a result, language identification systems often perform less reliably on African-language content, particularly when distinguishing between closely related or code-mixed text. Before a Swahili, Yoruba, or Wolof language model can be built, the underlying text must first be correctly identified by language – a step where existing tools currently often fail on African content.

This is because leading LID systems such as fastText, GlotLID, and OpenLID were built around European and Asian high-resource languages and frequently mislabel African-language text as English or French. Even state-of-the-art frontier models drop roughly 30 points in accuracy on African languages compared to major world languages.

CommonLingua is designed to fix this first step of the pipeline. On the new CommonLID benchmark, CommonLingua achieves 83% accuracy and a macro score F1 of 0.79, outperforming leading LID models by more than 10 percentage points under comparable evaluation conditions, while using roughly one three-hundredth of the parameters. The model is lightweight at 2 million parameters and shipping as an 8 MB checkpoint, and is designed for efficient deployment, running approximately 20 texts per second on CPU and up to 3,000 texts per second on a single GPU.

CommonLingua covers 334 languages in total, including 61 African languages across eight language families: Bantu (21), Niger-Congo / West African (18), Afro-Asiatic and Semitic (7), Cushitic and Chadic (4), Berber (3), Nilo-Saharan (3), and pidgins, creoles, and other (5). The model operates directly on UTF-8 byte sequences rather than relying on a language-specific tokenizer, enabling consistent handling across scripts including Latin, Arabic, Ethiopic, N’Ko, and Tifinagh.

“African languages are not an edge case. They are the working languages of hundreds of millions of people, and they deserve AI infrastructure built with the same care as any other language. CommonLingua is deliberately the first brick we are laying: you cannot curate what you cannot identify” said Pierre-Carl Langlais, Co-founder and Chief Technology Officer, Pleias.

The model is trained exclusively on open-licensed and public domain content aggregated through the Common Corpus project, including Wikipedia, Scientific publications in OpenAlex, VOA Africa, WaxalNLP, Cultural Heritage, and Pralekha. All datasets are released under permissive licenses.

Louis Powell, Director of AI Initiatives at GSMA added: “Closing the gap in African-language AI is is fundamental to digital inclusion and unlocking economic opportunity. Progress has long been held back by the lack of foundational infrastructure, beginning with something as essential as language identification.

“CommonLingua addresses this critical gap, enabling the development of richer datasets and more representative AI systems at scale. Through our initiative, the GSMA is bringing partners together to move beyond fragmented efforts towards shared infrastructure that can power Africa’s digital ecosystem.”

This conversation will continue at MWC26 Kigali, where GSMA and partners will bring together industry leaders to accelerate progress on African-language AI. Register now to be part of the discussion.

 


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Flutterwave Partners ASIF to Champion Youth Entrepreneurship in Nigeria

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Africa’s leading payments technology company, Flutterwave and Activate Success International Foundation (ASIF) have announced a partnership to advance youth entrepreneurship, digital financial inclusion, and enterprise development across Nigeria.

The collaboration, anchored on the 2026 edition of the Youth Entrepreneurship and Empowerment Programme (YEEP), brings together two institutions with a shared commitment to expanding economic opportunity for young Nigerians.

This initiative aligns with broader national priorities around financial inclusion and youth economic participation. Expanding access to digital financial tools remains critical to unlocking productivity within Nigeria’s largely informal economy and enabling young people to participate more effectively in formal economic systems.

Both organisations will also explore opportunities to connect beneficiaries to additional enterprise support programmes, strengthening pathways for sustainable business growth.

Over the past 10 years, ASIF has built one of Nigeria’s credible platforms for enterprise development through YEEP, providing young entrepreneurs with access to training, mentorship, and funding. In 2025 alone, the programme deployed over ₦50 million in cash and equipment grants to support carefully selected young Nigerians, who submitted business proposals to build viable businesses.

YEEP 2025 recorded over 2,000 participants, while ASIF’s broader youth engagement ecosystem, including NYSC orientation camp activations, reached over 30,000 young people across the country.

As Lead Sponsor of YEEP 2026, Flutterwave will support the programme while integrating its full payment ecosystem, led by Send App, its flagship cross-border remittance platform, alongside merchant solutions and digital financial infrastructure. This will equip the youth with the tools to seamlessly receive payments from anywhere, manage transactions, and scale sustainable businesses.

Speaking on the partnership, Founder and CEO, Flutterwave, Olugbenga Agboola, said: “Nigeria’s youthful population is its greatest strength. The ambition is already there, what’s needed is access to the right tools to unlock it. For 10 years, Flutterwave has been building the infrastructure that powers opportunity, helping individuals and businesses transact, grow, and scale across borders.

Through this partnership with ASIF, we’re deepening that impact by equipping young entrepreneurs with the tools to build sustainable businesses, while platforms like Send App give them the ability to receive payments globally and connect to opportunities beyond their immediate environment.”

“This partnership is part of our commitment to powering Nigerian businesses through accessible financial infrastructure. Through this collaboration, our payment solutions will be introduced to young Nigerians, including corps members participating in NYSC orientation programmes across Abuja and other states.

Speaking also, Founder/CEO, ASIF, Love Idoko-Uloko, said: “Young Nigerians do not need to be rescued; they need to be resourced. Our work through YEEP has consistently focused on providing real opportunities like funding, skills, and access. Partnering with Flutterwave strengthens this mission and expands the impact for every entrepreneur we support.”

YEEP 2026 is scheduled to take place on June 8, 2026 in Abuja. Beyond YEEP 2026, the partnership will extend to NYSC orientation camp engagements across the country, where thousands of corps members will gain exposure to digit financial tools, including payment solutions, merchant services, and financial management capabilities.


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