It was not a 90% error rate (or at least that’s not a claim I read). It was that 90% of appeals of those decisions were decided (at least partially) in favor of the appeal. That could be 1000 decisions, 10 appeals, and 9 reversals.

I am personally 7 for 8 in lifetime wins in my city's parking ticket appeals process. That doesn't mean that I think that 7 out of 8 tickets my city issues are incorrect.

> It's much easier to obfuscate with an AI model, because "nobody knows what it's actually doing - it's AI!".

Do you have actual knowledge of this? If not, the most obvious counterpoint is that the AI will need to give the reason or reasons for denial, and recording them for audit. Just like a human or a rules-based system.

how does AI change this part?

Most of life insurance policies have exceptions. For example, they won't pay out if you commit suicide. So the conditions of the death must be assessed against the insurance policy before payout.

It is kind of weird. Why does a life insurer have 100,000 employees. I'm really only familiar with term life. All the "customer service" is pre-purchase. Once you buy it, you forget it other than making the annual payment. There's nothing to manage, no real customer service required until and unless you die.

I suppose whole life where there is a cash value and investments being managed might have a more ongoing service need, but I'm not familiar with that.