© Australian Human Rights Commission 2022. The Australian Human Rights Commission encourages the dissemination and exchange of information presented in this publication. All material presented in this publication is licensed under the Creative Commons Attribution 4.0 International Licence, with the exception of: • photographs and images • the Commission’s logo, any branding or trademarks • where otherwise indicated. To view a copy of this licence, visit https://creativecommons.org/licenses/by/4.0/legalcode. In essence, you are free to copy, communicate and adapt the publication, as long as you attribute the Australian Human Rights Commission and abide by the other licence terms. Please give attribution to: © Australian Human Rights Commission 2022. Guidance Resource: Artificial intelligence and discrimination in insurance pricing and underwriting • December 2022 ISBN 978-1-925917-75-8 Acknowledgments The Australian Human Rights Commission thanks our partner, the Actuaries Institute, for their assistance with the development of the Guidance Resource, and its members and insurance industry representatives, who participated in consultations for sharing their knowledge, expertise and experience. The Human Rights Commissioner thanks the following staff of the Australian Human Rights Commission for their contributions: Michael Badorrek, Darren Dick, Graeme Edgerton, and Llewellyn Spink. This publication can be found in electronic format on the Australian Human Rights Commission’s website at https://humanrights.gov.au/our-work/rights-and-freedoms. For further information about the Australian Human Rights Commission or copyright in this publication, please contact: Australian Human Rights Commission GPO Box 5218 SYDNEY NSW 2001 Telephone: (02) 9284 9600 Email: communications@humanrights.gov.au For further information about the Actuaries Institute, please contact: Actuaries Institute Level 2, 50 Carrington Street Sydney NSW 2000 Telephone: +61 (2) 9239 6100 Email: actuaries@actuaries.asn.au Design and layout Dancingirl Designs Cover image and internal photography Adobe Stock