Araf Nishan, Rokeya Begum Ankhi, Muhammad Rafiuddin Haque, Md Imran Hossain, and Siddikur Rahman, “Data-Driven Risk Assessment in Insurance Underwriting: Evaluating the Ethical and Economic Trade-offs of AI-Powered Actuarial Models”, fmmej, vol. 5, no. 03, pp. 07–30, Mar. 2025.