Industry

AI use cases in insurance

Life, health, property and casualty insurers and brokers: distribution, underwriting, claims, fraud and policy servicing.

Use cases
43
Deployments
97
Organizations
88
Outcome disclosed
54%

43 Insurance use cases

88 organizations in 28 countries run these use cases in public. 54% of those 97 deployments disclose a measurable outcome.

Cross industryBanking

AI agent for complaints recognition, investigation and response

An AI agent that recognizes, investigates and drafts a response to a customer complaint for a human handler to approve. It logs the complaint against the regulatory definition, classifies its root cause and severity, gathers the evidence, drafts the acknowledgement and the response, and tracks every statutory deadline until the case is closed.

Deployments
5 public, best grade B
Reported accuracy
about 95%
Crédit Agricole Bank Polska, vendor claim
Insurance

AI agent for first notice of loss claims intake

A first notice of loss agent is an AI agent that takes the first notice of loss from a policyholder by phone, chat or app. It identifies the policy, collects the facts of the incident and the evidence the claim type needs, opens the claim in the claims system, tells the customer what happens next, and hands complex, injured or vulnerable claimants to a human handler.

Deployments
7 public, best grade B
Reported accuracy
90%
DOMCURA, vendor claim
Insurance

AI agent for insurance policy servicing

An insurance policy servicing agent is AI that answers policyholders' coverage questions from their own policy documents and completes routine policy changes and document requests across chat, messaging and phone. Examples include address and vehicle changes, adding a named driver or item, payment method updates, and certificates and proof of cover, and it hands anything complex or sensitive to a human with the context.

Deployments
6 public, best grade B
Reported containment rate
at least 50%
Lemonade, organization claim
InsuranceTravel and hospitality

AI agent for travel insurance claims and assistance

A travel insurance claims and assistance agent is an AI agent that helps insured travellers with claims and assistance around the clock, in their own language. It answers cover questions, takes claims for delays, cancellations, lost baggage and medical costs, reads the receipts and certificates travellers upload, settles simple claims within set limits, and connects medical emergencies and complex cases to the assistance team at once.

Deployments
2 public, best grade B
Reported automation rate
up to 70%
Allianz Partners, organization claim
Insurance

AI assistant for insurance brokers and agents

An insurance broker and agent assistant is AI that answers product, underwriting and process questions for tied agents, independent brokers, advisors and insurers' own distribution staff from approved sources. It also prepares personalized customer engagement and follow ups, validates and prioritizes leads, and drafts meeting notes and emails, so producers spend more time with customers.

Deployments
5 public, best grade B
Autonomy
Assist
BankingWealth and asset management

AI assistant for Shariah compliance screening and review

AI Shariah compliance screening is an AI assistant that checks Islamic financing contracts, deal structures and investments for Shariah compliance risks such as riba and gharar, for compliance teams. It also flags exposure to prohibited activities, retrieves the relevant standards and fatwas, and drafts the Shariah review documentation. The Shariah board keeps sole authority over any ruling.

Deployments
2 public, best grade B
Autonomy
Copilot
Insurance

AI copilot for insurance pricing and actuarial analysis

An insurance pricing and actuarial copilot is AI that speeds up the work of pricing and actuarial teams, from risk and demand model building to natural language analysis of data. It builds automated, transparent risk and demand models and analyzes rate filings, experience data and reserving diagnostics, while actuaries select the models, sign off the rates and own the professional judgment.

Deployments
9 public, best grade B
Reported productivity gain
5x
Generali France, organization claim
Cross industryBanking

AI copilot for marketing content with compliance pre review

AI marketing content and compliance copilot drafts campaign copy and checks it against advertising rules before a human approves it for publication. It writes campaign copy, product explainers and social posts on brand and in the customer's language from approved product facts, then runs a first pass compliance check against advertising rules and required disclosures, flagging unsupported claims and missing warnings before a human in marketing compliance approves publication.

Deployments
5 public, best grade B
Reported productivity gain
34%
Ally Financial, organization claim
BankingInsurance

AI copilot for model risk validation and monitoring

AI model risk validation is a copilot that supports independent review of a bank's models, used by a validation function, an external tester or a supervisor. It checks model documentation against the model risk standard, generates and scores challenger tests (for generative AI, often with an LLM as a judge calibrated against human experts), watches production models for drift, and drafts and consistency checks the validation report. An accountable validator owns every conclusion.

Deployments
3 public, best grade B
Autonomy
Copilot
Insurance

AI copilot for underwriting risk assessment

An underwriting risk assessment copilot is an AI tool that assembles everything relevant to a risk, such as the submission, loss history and underwriting guidelines, for an insurance underwriter. It also gathers third party data and public information, highlights exposures and gaps against the insurer's underwriting guidelines, and drafts the underwriting narrative or referral note, while the underwriter makes and signs every decision.

Deployments
8 public, best grade B
Reported cycle time reduction
50%
Generali Global Corporate & Commercial, vendor claim
Cross industryBanking

AI enterprise knowledge search for employees

Enterprise knowledge search is an AI assistant that lets any employee ask a question in plain language and get a synthesized answer from the organization's own documents. It draws the answer from policies, procedures, product manuals and research, with citations to the source documents, and only from documents the employee is allowed to see.

Deployments
13 public, best grade B
Reported employee adoption
at least 90%
Zain Jordan, organization claim
BankingInsurance

AI for back office account servicing execution

AI account servicing execution is AI that reads and acts on servicing requests landing in operations queues, such as address or beneficiary changes, for back office staff. It checks each request against policy and entitlements, then prepares or makes the change, such as mandate changes, standing instructions, reissues, payoff and reference letters and loan maintenance, in core systems under dual control.

Deployments
3 public, best grade B
Reported cycle time reduction
95%
SS&C Technologies, vendor claim
Insurance

AI for catastrophe and exposure assessment in insurance

AI catastrophe exposure assessment is AI that turns satellite and geospatial data into a fast, portfolio wide view of which policies and properties are exposed to a catastrophe. It covers before and immediately after the event, so exposure managers and claims teams can quantify the loss, prioritize response and reach affected customers first, without waiting for ground surveys.

Deployments
3 public, best grade C
Autonomy
Assist
Insurance

AI for claims triage and straight through processing

Claims triage and straight through processing is AI that reads each new insurance claim and its documents and scores its complexity, cover questions, fraud and recovery signals. It sends each claim to the right handling path and handler, and settles simple, low risk claims end to end within set limits without a person touching them.

Deployments
11 public, best grade B
Reported automation rate
about 55%
Lemonade, organization claim
Insurance

AI for commercial underwriting submission intake and triage

AI that reads incoming broker submissions for commercial insurance so underwriters open a complete, prioritized file instead of an inbox. It reads emails, applications, schedules of values, loss runs and supplements, extracts the risk data into a structured record, checks clearance and appetite, and enriches and ranks the risk with internal and third party data.

Deployments
9 public, best grade B
Reported accuracy
about 98%
Paragon Insurance Group, organization claim
Cross industryTechnology and software

AI for compensation governance and pay equity analysis

AI that checks an organization's pay decisions for unexplained gaps by gender, race or other protected characteristics. It statistically analyzes pay data, and at the point a recruiter or manager sets a starting salary, a raise or a promotion increase, it checks the proposed number against pay bands and equity rules and flags a decision before it creates a new gap, instead of finding it in next year's audit.

Deployments
9 public, best grade C
Reported cost reduction
25%
Elevance Health, vendor claim
Cross industryBanking

AI for complaints root cause and systemic issue analysis

AI complaints root cause analysis reads the free text of complaints across all channels and clusters it into themes to find the systemic causes behind them. It separates systemic causes from one off events, links each theme to the product, process or control behind it, and routes the insight to the owner who can fix it. A human validates every root cause and every remediation.

Deployments
3 public, best grade B
Autonomy
Copilot
Cross industryBanking

AI for continuous controls testing and control self assessment

AI continuous controls testing checks every transaction or record against a control's rule instead of a periodic sample, giving continuous, full population assurance. It collects evidence from source systems, maps each artefact to the control it supports, flags exceptions for a human to judge, and prepares the risk and control self assessment from incident and loss data for the business to review.

Deployments
3 public, best grade B
Autonomy
Supervised agent
Cross industryBanking

AI for drafting customer letters and outbound notices

AI for outbound notice drafting writes the letters and notices operations must send at scale, such as arrears notices or decline letters. It also covers complaint responses, servicing confirmations and product change notices, from case data and approved templates and clauses, in the customer's language, for a person to approve where the notice is regulated.

Deployments
6 public, best grade B
Reported cycle time reduction
25%
SS&C GIDS and RS, vendor claim
InsuranceHealthcare

AI for health insurance prior authorization and claims adjudication support

AI for health insurance prior authorization and claims adjudication reads prior authorization requests, medical claims and appeals, and prepares a summary and recommendation for a clinician or adjudicator. It works from the clinical and billing documents attached to each case, extracts diagnoses, treatments and costs, and checks them against the policy and published clinical criteria, while the clinician or adjudicator makes every adverse decision.

Deployments
6 public, best grade B
Median handling time reduction, vendor reported
50%
3 deployments
HealthcareInsurance

AI for healthcare claims fraud, waste and abuse detection

AI for healthcare claims fraud, waste and abuse detection reads healthcare claims and provider billing patterns to flag fraud, waste and abuse for a payment integrity investigator. It checks claims before or shortly after payment and sends every flag with its reasons to the investigator, while a narrow set of clear rule violations can be denied automatically before payment.

Deployments
3 public, best grade B
Autonomy
Assist
Cross industryBanking

AI for inbound correspondence triage and routing

AI correspondence triage and routing is AI that sorts inbound letters, emails, uploads and secure messages before anyone answers them, so each one reaches the right team. It brings everything into one intake, identifies what each item is, extracts the key fields, links it to the right customer and account, sets priority and routes it to the right workflow, replacing the manual sorting desk.

Deployments
8 public, best grade B
Reported accuracy
95%
Irish Life, vendor claim
Insurance

AI for insurance claims fraud detection

Claims fraud detection is AI that scores every insurance claim for fraud from first notice of loss onwards, combining claim, policy, document, image and network data. It finds suspicious claims, organised rings and inflated losses, and sends each alert with its reasons to a claims handler or special investigations unit for review.

Deployments
12 public, best grade B
Autonomy
Assist
Insurance

AI for insurance renewal processing and customer retention

Renewal and retention AI prepares and runs the insurance renewal cycle, digitizing renewal submissions and changes in risk for underwriters and flagging policies at risk of lapsing or leaving. It also prepares the renewal conversation and answers customers' renewal questions, while renewal prices stay governed by the insurer's pricing rules and fair value obligations.

Deployments
3 public, best grade B
Autonomy
Copilot
Insurance

AI for litigation and recovery triage

AI for litigation and recovery triage scores open insurance claims and overdue accounts for the risk that they end up in litigation or formal legal recovery. It also ranks the attorneys, law firms or recovery agencies likely to get the best result, so a claims handler, legal panel manager or collections specialist can act early instead of after the case has already escalated.

Deployments
2 public, best grade B
Autonomy
Assist
Insurance

AI for parametric insurance claims triggering

AI for parametric claims triggering builds the index a parametric insurance policy pays against, then measures the triggering event itself, such as a wildfire's extent once it happens. The models are trained on historical, simulated and satellite or radar data, and their output lets a deterministic engine calculate and release the payout without an adjuster assessing the loss on site.

Deployments
2 public, best grade B
Autonomy
Autonomous
Insurance

AI for photo based damage assessment in insurance claims

Photo based damage assessment is computer vision that assesses vehicle or property damage from photos or video for an insurance claim. The photos or video can come from the policyholder, a repairer or an adjuster. The AI identifies the damaged parts and the repair or replace decision, produces or checks the repair estimate, and flags total losses and inconsistencies for a person to review.

Deployments
12 public, best grade B
Reported accuracy
95%
Ping An Insurance (Group) Company of China, organization claim
Cross industryBanking

AI for policy drafting and policy gap analysis

AI policy drafting and gap analysis is an assistant that reads a new or changed obligation and checks which internal policies it affects, for compliance and legal teams. It finds every policy, standard and procedure the obligation touches, flags clauses that now conflict or are silent, and drafts the updated wording in house style as a redline for the policy owner to approve.

Deployments
7 public, best grade B
Autonomy
Copilot
BankingInsurance

AI for regulatory report assembly

Regulatory report assembly is AI that assembles periodic and data driven filings and returns, pulling data into the regulator's schema and validating it, before a named officer reviews and submits. Examples include prudential and statistical returns, threshold and transaction reports and disclosure packs. It also reconciles figures to source, explains movements against prior periods and drafts commentary; narratives for individual suspicious activity cases are a separate use case.

Deployments
5 public, best grade B
Autonomy
Copilot
Insurance

AI for subrogation opportunity detection

AI subrogation detection is AI that reads open and closed claims to find cases where a third party is wholly or partly liable. It estimates liability and the recoverable amount under the applicable negligence and recovery rules, and sends scored recovery opportunities with their reasons to the subrogation team.

Deployments
3 public, best grade B
Autonomy
Assist
BankingInsurance

AI for supervisory exam and information request responses

Supervisory exam response assembly is an AI assistant for a bank's regulatory affairs team that reads a supervisory information request or exam question and drafts a response. It retrieves the relevant evidence, policies and prior correspondence, so legal and compliance can approve the draft, and tracks every commitment and remediation action through to closure.

Deployments
3 public, best grade B
Autonomy
Copilot
Cross industryBanking

AI for synthetic test data generation

Synthetic test data generation is AI that generates realistic synthetic datasets, such as customers, transactions, documents and conversations, without containing real personal data. The datasets keep the structure and statistical properties of production data, so teams can test software, train and validate models and run demos safely.

Deployments
7 public, best grade B
Reported cycle time reduction
75%
Patterson Dental, vendor claim
Cross industryBanking

AI for third party and vendor risk due diligence

AI for vendor due diligence reviews a vendor's security questionnaires, SOC and assurance reports and contracts against an organization's control requirements, and researches the vendor for a risk team. It also checks model documentation, researches the vendor's ownership, sanctions, financial health and adverse media, drafts the risk assessment for a human to approve, and keeps the register of material service providers current with ongoing monitoring.

Deployments
5 public, best grade B
Autonomy
Copilot
Cross industryBanking

AI quality and compliance monitoring of every customer interaction

Call quality and compliance monitoring is automated quality assurance that transcribes and scores every customer interaction, voice and chat, against the organization's own rubric. It checks required disclosures and script adherence, flags conduct and mis selling risk, and surfaces coaching opportunities, instead of the small sample a human QA team can review.

Deployments
9 public, best grade B
Reported quality score uplift
about 10%
British Gas, vendor claim
Cross industryBanking

AI regulatory horizon scanning and obligation mapping

Regulatory horizon scanning is AI that continuously reads publications from the regulators and standard setters an organization answers to and classifies each item by relevance and urgency. It breaks new rules into individual obligations and maps them to the internal policies and controls that meet them, so compliance owners see what changed and where the gaps are.

Deployments
5 public, best grade B
Autonomy
Assist
Cross industryBanking

AI roleplay training for customer conversations

AI conversation roleplay training is a simulator where generative AI plays a realistic customer, by voice or text, so staff can rehearse difficult conversations. Service, sales and crisis staff can practice as often as they need before handling live conversations, and receive structured feedback against the organization's own standards.

Deployments
9 public, best grade B
Median time to proficiency reduction, vendor reported
20%
4 deployments
Cross industryTelecommunications

AI sales call coaching and CRM update

Sales call coaching and CRM update is AI for sales teams that analyses sales calls and meetings against the team's own sales method to coach sellers and their managers. It also writes the call summary, next steps and opportunity updates into the CRM for the seller to confirm, aiming at winning deals and building selling skill, not the regulated advice record or general meeting notes.

Deployments
6 public, best grade C
Reported time saved per task
3 minutes
Sandvik Coromant, organization claim
Insurance

AI summarization of medical evidence for life and health underwriting

AI medical evidence summarization reads the medical records behind a life or health insurance application and turns them into a structured, cited summary for the underwriter. The records include attending physician statements, electronic health records, lab results and disclosures, and the summary covers conditions, treatments and dates, mapped to the insurer's underwriting manual so the underwriter can decide faster and more consistently.

Deployments
4 public, best grade B
Reported cycle time reduction
about 50%
Aviva, organization claim
Cross industryBanking

AI system and model inventory with shadow AI discovery

An AI model inventory is a governed register of every AI system and model an organization builds, buys or uses, for risk and compliance teams. Each entry records the owner, purpose, data, risk tier and approval status, kept current by AI that discovers unregistered use, reads the documentation and assembles the evidence a board, auditor or supervisor asks for.

Deployments
7 public, best grade B
Autonomy
Copilot
Insurance

Conversational AI for insurance quote and buy

Conversational AI for insurance quote and buy is a customer facing agent that sells insurance directly in a conversation, asking rating questions and returning a price. It asks the rating questions in plain language, explains cover options, returns a price from the insurer's rating engine, handles objections and takes payment to bind the policy, with a licensed human available for advice and anything outside its limits.

Deployments
1 public, best grade B
Autonomy
Supervised agent
Cross industryBanking

Generative AI copilot for internal audit

An internal audit copilot is AI that helps internal auditors plan and write up audits, from drafting planning materials to summarising evidence and drafting findings. It drafts planning memos and document request lists from prior audits, summarises large evidence sets, builds risk and control matrices from policies and process documents, and drafts findings and reports, with every statement traceable to evidence and a qualified auditor accountable for every conclusion.

Deployments
3 public, best grade C
Reported handling time reduction
55%
Banco Bradesco, vendor claim
Cross industryBanking

Governed text to SQL analytics assistant

A governed text to SQL analytics assistant turns a business user's plain language question into a query against governed data. It runs the query under that user's own data permissions and returns the table or chart together with the SQL and the tables used, so routine ad hoc questions no longer queue for the data team.

Deployments
6 public, best grade B
Autonomy
Assist
Cross industryBanking

Real time AI assist for contact centre agents

Live agent assist is AI that helps a contact centre agent during a live call or chat by transcribing it and surfacing the right knowledge and next step. It also drafts responses and writes the after call summary and CRM notes, while the agent stays in control of what is said and done.

Deployments
16 public, best grade B
Median productivity gain
20.5%
4 deployments

Free PDF playbook

AI use cases in insurance: the playbook

43 use cases with deployments, value, playbooks and governance, in one document for your team.

What the evidence says

Computed from the 97 public deployments behind these use cases at insurance organizations. Numbers update with every checked record.

Benchmarks with at least 3 pooled values

Benchmarks across Insurance use cases
KPIMedianReported rangeData pointsClaimed by
Accuracy95%
80% to 98%
73 organization, 4 vendor
Automation rate70%
45% to 99%
Not pooled: up to 70%
5plus 1 up to3 organization, 2 vendor
Handling time reduction50% vendor reported
20% to 54%
44 vendor
Deployments by stage
  • Announced
    7
  • Pilot
    2
  • Production
    68
  • Scaled
    20
Public deployments by region
  • North America
    35
  • Europe
    33
  • Asia Pacific
    15
  • Global
    7
  • Latin America
    4
  • Africa
    2
  • Middle East
    1

Organizations with a public deployment

  • AIA Group
  • AXA Spain
  • AXA Switzerland
  • AXIS Capital
  • Accelerant Holdings
  • Admiral Seguros
  • AdvanceCare
  • Ageas UK
  • Allianz Partners
  • American International Group
  • American National Insurance
  • Arch Capital Group
  • Assurant
  • Aviva
  • Bowhead Specialty
  • CNA Financial
  • CURE Auto Insurance
  • Canal Insurance Company
  • Canopius Group
  • Central Insurance
  • Covéa
  • DOMCURA
  • Definity
  • Descartes Underwriting
  • Ecclesia Group
  • Elephant Insurance
  • Elevance Health
  • Encova Insurance
  • Europ Assistance
  • Foyer
  • GNP Seguros
  • General Insurance Association of Singapore
  • Generali France
  • Generali Global Corporate & Commercial
  • Generali Italia
  • Gjensidige
  • GoHealth
  • Heritage Insurance Holdings
  • Hippo
  • Hiscox
  • Humana
  • ICICI Lombard
  • Insurance Australia Group
  • Irish Life
  • Jubilee Holdings
  • Kin Insurance
  • Kinsale Capital Group
  • LAQO
  • Lemonade
  • Loadsure
  • MAG Seguros
  • MAIF
  • MAPFRE
  • Manulife
  • Markel
  • Merkur Versicherung AG
  • NN Group
  • Nsure.com
  • Ohio Mutual Insurance Group
  • Old Mutual General Insurance
  • PZU
  • Paragon Insurance Group
  • Ping An Insurance (Group) Company of China
  • Porto Seguro
  • Progressive
  • Prudential plc
  • QBE Insurance Group
  • SBLI
  • SIGNAL IDUNA
  • Security First Insurance
  • Sedgwick
  • Shelter Insurance
  • Skyward Specialty Insurance Group
  • Sompo Japan
  • Sompo Japan Insurance
  • Sun Life
  • Suncorp Group
  • Tawuniya (Company for Cooperative Insurance)
  • Tokio Marine & Nichido Fire Insurance
  • Travelers
  • VitalityHealth
  • Wakam
  • Warta
  • Waterdrop
  • ZhongAn Online P&C Insurance
  • Zurich Insurance (Hong Kong)
  • Zurich Insurance Group
  • Zurich North America

The same use cases in other industries

130 public deployments at 106 organizations outside insurance run these use cases too. They are not counted in the numbers above; each use case page shows them.

Other industries