Designing Agentic AI Architectures for Insurance Platforms

In recent years, artificial intelligence (AI) has been applied to a growing number of functions in the insurance industry. These AI applications are typically not agents, however. They do not maintain their own citizen or business identity and have only a limited ability to independently observe the environment and act. Developing agents whose core objectives involve fulfilling insurance responsibilities—underwriting, claims processing, pricing, fraud detection, and risk management—offers the potential for significant operational efficiency and user experience gains.