We are in the midst of a new age of underwriting—an age driven by technology. And the technology-driven era is not only changing the way underwriters work, but it is also transforming the underwriting discipline itself. Executive Summary Opinion: Technology is transforming the underwriting discipline, according to John Belizaire, CEO of FirstBest Systems, who details the potential benefits of underwriting workstations, not the least of which is allowing underwriters to take on the roles of account managers and customer advocates. The article also details loss ratio and submission ratio impacts based on Novarica research and individual FirstBest customer analysis. It is an era of both evolution and revolution.