Kristine Fogarty, Chief Underwriting Officer for Life and Living Benefits explores RBC Insurance’s underwriting transformation, showcasing how point-of-sale decisioning and the philosophy of “assessing people, not risks” delivers faster approvals and better protection for clients when they need it most.

Kristine Fogarty is redefining modern underwriting at RBC Insurance. As Chief Underwriting Officer, Kristine and her team have implemented a smarter, faster underwriting engine that enables advisors to get eligible decisions at point of sale, freeing up underwriters to focus on more complex cases.

She leads the underwriting strategy across individual life, critical illness, disability, and group insurance, working at the intersection of operations, product, pricing, and digital innovation. She drives innovation in underwriting by prioritizing human-centered principles, precision, and relevance to individual circumstances.

With decades of experience spanning direct insurance, reinsurance, and international markets, Kristine has shaped the industry beyond RBC through leadership roles with the Underwriters Association of Toronto, the Canadian Institute of Underwriters, and the Academy of Life Underwriting.