Introduction: Insurance in an Always-On World Insurance touches some of the most critical aspects of people’s lives—health, safety, property, and financial security. Emergencies don’t follow business hours. A car accident at midnight, a hospitalization during a holiday, or storm damage on a Sunday morning all demand immediate attention. Yet, for decades, customers were forced to wait until Monday morning or spend hours on hold to speak with a human representative. This gap between customer need and insurer availability has long been one of the industry’s biggest pain points. In the digital age, where consumers expect real-time answers from banks, e-commerce platforms, and airlines, insurance could no longer afford to stay bound by limited working hours. That’s where the rise of intelligent digital agents—specifically the insurance AI Agent —changes the equation. These entities offer the possibility of true 24/7 policy support, reshaping how insurers serve their customers and...
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