I know insurance adjusters, they are under strict rules but whenever they get a chance they do try to approve benefits if it comes to a matter of personal decision making. It's not that often, but it does happen in the loads and loads of cases that pass through every day.

Few people realize the scale of these operations.

An AI system can process all those claims in moments and not only follow guidelines to deny as many as possible, they will do it without feeling a twinge of conscience, and this seemingly small margin of extra denials will likely save the insurance company vast sums of wealth, and all it will cost us, the paying customers, is needless death and suffering.