NYS Assembly Hearing 16 Dec Written Testimony - FeiHuang.pdf

Testimony for New York State Public Hearing on the Use of AI for Underwriting and Pricing of Insurance Policies

Invited by New York State Assembly for Public Hearing as a global expert on AI in Insurance

Guidance Resources: AI and Discrimination in Insurance

Collaborated with the Australian Human Rights Commission and the Actuaries Institute.

I contributed to the development of the Guidance as a member of the Actuaries Institute's Anti-discrimination Working Group and received the Actuaries Institute's Volunteer of the Year Award for this contribution. Two research papers, Frees and Huang (2021) and Xin and Huang (2023), on anti-discrimination insurance pricing were included as academic resources. This Guidance Resource provides important information and suggestions to professionals and businesses as to how to properly apply, and comply with, anti-discrimination laws when making AI-informed decisions in the course of actuarial practice in the insurance and other related industries.

Bridging the Longevity Gap: Towards Fairer Retirement Outcomes

Collaborated with the Australian Government Actuary Guy Thorburn

This groundbreaking research provides data-driven evidence and practical tools that empower Australians, superannuation funds, and the retirement income industry to understand longevity gaps and design fairer retirement solutions. By leveraging individual-level data from the Person Level Integrated Data Asset (PLIDA), it uncovers how socio-economic and demographic factors shape retirement outcomes.

Dashboard (Longevity Calculator)

Australian Longevity Explorer

Open Dataset

Australian Socio-Economic Mortality Dataverse

Technical Paper

Towards Fairer Retirement Outcomes: Socio-economic Mortality Differentials in Australia

Media Article

How are socio-economic factors linked to life expectancy gaps?

Policy Paper

Coming out in early 2026

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