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  "documentTitle": "2021 P&C Underwriting Survey",
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      "text": "Underwriting Talent: ~25% of personal lines underwriters view their company's talent management programs as deficient, with deficient rates going up to 41% in talent retention, 37% in succession planning, 33% in training, and 30% in recruiting",
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      "text": "Underwriting Efficiency: ~45% of personal lines underwriters time is spent on tasks that are not core to the underwriter's role. The top three reasons for this are redundant inputs/manual processes (70%); outdated/inflexible systems (50%); and insufficient training and time for talent development (43%).",
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      "text": "Underwriting Investments: The top 2 factors driving investments in underwriting were in improving underwriting quality (risk/pricing outcomes) and the ease of doing business for customers/producers signaling a renewed focus on profitability and growth.",
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      "text": "Underwriting Technology: While underwriters believe technology changes have improved underwriting performance, ~55% of personal lines underwriters say that their workload has increased or has had no change with technology investments, driven by inefficient systems and the lack of data integration.",
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