In a few hours, I will give a talk at the III Congreso Universitario Internacional sobre Seguros y Reaseguros en Perú, I will give a talk on “Detecting Hidden Bias in Insurance AI Through Counterfactuals” As AI becomes embedded in underwriting, pricing, fraud detection, and claims automation, one challenge remains widely underestimated: models can discriminate without ever using a prohibited variable. Indirect discrimination (i.e., bias transmitted through correlated or downstream variables) poses a subtle but critical risk for insurers, all the more since actuarial … <a …