With the world entering into phase 4.0 of the Internet, various new technologies based on the Internet emerge one after another, and the human social life has entered into a real digital age. This article begins with an overview of new technologies such as mobile internet and wearable devices, big data and predictive modeling, cognitive computer learning and artificial intelligence, the Internet of Things, as well as blockchain. Then it analyzes and forecasts the underwriting innovation in the digital age based on the combination of intelligent underwriting engine and new technologies. Finally, it puts forward suggestions on how insurance companies can make innovative plans.