Will AI Replace Insurance Agents? The Work Is Splitting
Will AI replace insurance agents? What current employment projections can show, which tasks are changing, and where agency AI use creates compliance exposure.
Read the full dispatch →Insurance AI governance, tracked every week: the free dispatch for compliance officers, CROs, and GCs.
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ALLSTATE · AUG 10, 2026 · Allstate Is Building Its Own Large Language Model, ALLIE CCC · AUG 7, 2026 · AI Now Builds the Demand Package, and Only One Side Is Regulated IRREGULAR · AUG 7, 2026 · Three Labs' Models Reached the Internet From One Vendor's Tests DELOITTE · AUG 6, 2026 · Deloitte Finds Claims Customers Stay for Humans, Not Digital Tools PWC · AUG 4, 2026 · PwC: AI Skills Now Outrank MBAs for Finance Hires
Start here
Insurance is regulated state by state, and almost nothing about AI there is written in an AI law. Start with how the machine works.
Start from the beginning →
NAIC guidance, state laws, and federal moves, plus how to build a program that meets them.
All governance coverage →
How AI is used across claims, underwriting, and pricing, plus what regulators expect.
All business-line coverage →Editor's Picks
What to Keep in an Insurance AI Decision Evidence Pack
Insurance AI decision documentation for reconstructing one underwriting or claims outcome, including human review, notice, appeal, and model version.
Read the guide →
What Trump's AI Executive Order (EO 14365) Means for State Insurance Regulation
Trump's AI executive order tells agencies to challenge state AI laws. Why McCarran-Ferguson still shields state insurance rules, and how far the federal push has got.
Inside the NAIC AI Model Bulletin
What the NAIC AI Model Bulletin is, how adoption works, what belongs in a written AIS Program, and which implementation guide to use next.
Latest Guides
All guides →Conversational AI in Insurance and Where the Rules Reach
What conversational AI and chatbots actually do across insurance, from quotes to claims, and the point where a customer-facing bot becomes a compliance question.
AI Governance Documents to Prepare for a Market Conduct Exam
The insurance AI exam documentation to have ready for a market conduct exam: an insurer-built readiness file of eight evidence categories, and how to record a gap.
AI Model Monitoring After the Model Goes Live
A playbook for insurers on AI model monitoring, validation, drift detection, and retesting records that satisfy NAIC Model Bulletin and Exhibit C expectations.
AI in Insurance Claims
AI in insurance claims, step by step from intake to appeal: what each system decides, where it can go wrong, and what record makes the step reviewable.
Generative AI in Insurance, Explained
What generative AI is, how it differs from the predictive models insurers already use, where it is being applied, and why regulators treat its risks differently.
Does AI Insurance Regulation Apply to You? A Plain-Language Self-Check
Five questions that flag when the AI regulations for insurance companies may reach your business, and what to review before treating the answer as settled.
From the Glossary
All 87 terms →Plain-language definitions of the NAIC and insurance AI governance terms we use across the site.
- Accelerated Underwriting
- A life insurance underwriting process that uses data and algorithms to approve applicants without traditional medical exams or fluid tests.
- Alternative Data
- Data not traditionally used in underwriting, such as credit history, driving behavior, or digital signals. Often regulated as ECDIS when applied to consumers.
- Consumer Recourse
- The rights consumers have to appeal, correct, or contest an AI-influenced insurance decision, a central feature of Colorado SB 26-189 and similar state laws.
- Exhibit B
- The NAIC AI Evaluation Tool's governance exhibit, answered as a narrative or a checklist, asking where an insurer's framework already covers each listed item.
- Governance Committee
- A cross-functional group that oversees AI risk, approves deployments, and reviews testing. Must meet regularly and have authority to pause AI systems.
- Medical Necessity
- Whether a service is clinically warranted enough to be covered. In California and in Medicare Advantage, a licensed clinician has to make that call, not a tool.
- NAIC Big Data and AI (H) Working Group
- The NAIC group that handles insurance AI. Its page is where the evaluation tool drafts, the bulletin adoption map, and the meeting materials are posted.
- Proxy Test
- The assessment NYDFS expects on external consumer data: does it correlate with protected-class status, and if so, does a business necessity require it?
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