For high-quality underwriting, primarily in mass types of insurance (transport, medical), one needs a considerable amount of data that a private company can accumulate only over the years. On the other hand, the data collected a decade ago, does not reflect the current situation: it does not take into account fundamental changes in legislation, settlement of claims, changes in the content of the insurance contracts and line of insurance products.

A more careful choice of mathematical models and analysis of global dynamics and trends help to find a compromise between the lack of data and timeliness, which is possible only if you have access to a wide enough information field.

To build an adequate model one requires an analysis and understanding of hidden factors and correlations that determine the structure and dynamics of unprofitability. The revision of underwriting policy shall be conducted in the context of the periodic loss of control, where the role of the actuary is also extremely important.