AHMAD, Jalees. Predictive Underwriting: How Machine Learning Is Reducing Loss Ratios in Modern Insurers. International Journal of Artificial Intelligence, Data Science, and Machine Learning, [S. l.], v. 7, n. 3, p. 64–70, 2026. DOI: 10.63282/3050-9262.IJAIDSML-V7I3P109. Disponível em: https://ijaidsml.org/index.php/ijaidsml/article/view/640. Acesso em: 20 aug. 2026.