Introduction The insurance industry is undergoing one of the most profound technological shifts in its history. For decades, human agents, underwriters, and claims handlers have been the backbone of the sector—advising customers, processing paperwork, and making judgment calls on risk. Today, the rise of artificial intelligence (AI) is changing that dynamic. Intelligent digital employees are now handling conversations, managing claims, and assisting with underwriting. This raises a critical question: are AI agents replacing humans in the insurance industry? The answer is complex. While Insurance AI Agents are automating repetitive and data-driven tasks, they are not wholesale replacements for humans. Instead, they are reshaping roles, augmenting capabilities, and forcing the industry to redefine what it means to deliver value to policyholders. This article explores the reality behind the hype—how AI agents work, where they excel, where humans remain essential, and what the future ...
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