Classified examples · Credit, fraud and insurance · Po polsku
AI prices life or health insurance for individuals
High-risk (Annex III)Deployer
An insurer or broker uses AI for risk assessment and pricing of life or health insurance for individual customers.
How we classify it
- Annex III point 5(c) lists AI intended for risk assessment and pricing in relation to natural persons in life and health insurance: high-risk.
- Deployers of these systems must carry out a fundamental rights impact assessment (Article 27).
- Result: high-risk from 2 December 2027. Motor or property insurance pricing is not on this list.
What applies now
- Insurance distribution and anti-discrimination rules apply now
- Document the data used and test for unfair outcomes
- Ask the vendor about its documentation
What would change the answer
- From 2 December 2027: fundamental rights impact assessment and deployer duties
Evidence to keep
- Classification record
- Fundamental rights impact assessment
- Vendor documentation
In the AI Compliance Kit: 04Risk Classification Procedure · 09AI Impact Assessment Template · 07Vendor Due Diligence Questionnaire.
Dates and sources
- High-risk obligations for stand-alone systems (Annex III): 2 December 2027
Legal basis: AI Act art. 27, Annex III point 5(c).
Similar examples
- AI scores consumers' creditworthiness High-risk (Annex III)
- AI flags suspicious payments and fraud Minimal risk