Man or Machine?

This video explores the growing influence of artificial intelligence in decisions that affect people’s lives — from loans and insurance pricing to healthcare and education. Through real-world examples, it highlights how automated models can reproduce and amplify human biases, often without transparency or accountability.At the heart of the message is a challenge to the actuarial profession: when models become faster, more complex, and harder to question, who ensures that they remain fair?The narrative traces the deep roots of actuarial science — a tradition built on clarity, auditability, and ethical responsibility — and asks how those values can guide us through today’s evolving risk landscape.Rather than stopping at critique, it proposes a forward-looking idea: the development of Ethical AI Scorecards — frameworks that bring measurable standards of fairness, explainability, and transparency to AI-based risk decisions.Because in the end, while machines can calculate the risk…  only humans can choose to carry it.