When people picture AI in insurance, they tend to imagine it behind the scenes: fraud models flagging suspicious claims, actuarial engines repricing risk, document extraction tools feeding data into legacy systems. That picture is increasingly out of date. Across the US, UK and Europe, insurers and insurtechs are putting AI

Every board pack in financial services now has an AI agenda item. Every marketing team is being asked to “do something with agentic AI.” And every CEO knows that the firms who get this right first will have a genuine advantage in cost, speed and customer experience. The problem isn’t