“Machine Intelligence And The Evolution Of Underwriting: Integrating Real-Time Data, Machine Learning, And Risk Analytics For Next-Generation Property & Casualty Insurance”, ijasr, vol. 5, no. 10, pp. 108–115, Oct. 2025, Accessed: Dec. 10, 2025. [Online]. Available: https://sciencebring.com/index.php/ijasr/article/view/1005