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        <title>Functional Underwriting in Scala — Zach Michaelov | Scala Summit 2026</title>
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        <description>Functional Underwriting in Scala Zach Michaelov — Co-founder &amp; CTO, Annex Risk Recorded live at Scala Summit 2026 in San Francisco on Monday, October 19, 2026. No rules engine, no DSL in a database — underwriting rules as plain, versioned Scala. About the talk As a provider of personal lines insurance, Annex Risk is responsible for maintaining a large set of underwriting rules across multiple product lines. Underwriting rules can be arbitrarily complex and often evolve over time. Many teams handle this with a rules engine or a DSL stored in a database. We went the other way: our rules are plain Scala. This talk explores how we model underwriting rules as an interval map, where each range holds a function object implementing the rule in effect for a particular time window. Thin Scala-friendly constructors and builders reduce a new rule version to a few lines of code. Because it's just Scala, we get type safety, the compiler, IDE support, and all our existing tooling for free, and source control gives us a complete audit history. About the speaker Zach is the co-founder and CTO of Annex Risk. Prior to that, he was at Twitter where he discovered a passion for typed functional programming while working on everything from data pipelines to ML feature stores. LinkedIn: https://www.linkedin.com/in/zachary-michaelov-377b2143/, Speaker page: https://2026.scalasummit.com/speakers/zach-michaelov/, More talks and upcoming events: https://www.bayareatechtalks.com Scala Summit is part of Bay Area Tech Talks. Visit it to join our Meetup and Luma groups, find out about upcoming events, and watch more talk recordings. Conference: https://2026.scalasummit.com Recording can also be watched on YouTube https://youtu.be/964JnrK9osQ</description>
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