AI won’t replace insurance brokers.
But it will change how their work gets done.
In Episode 148, I spoke with Anupam Gupta, Chief Product Officer at Applied Systems, about how AI is transforming the brokerage tech stack.
One idea stood out:
Instead of replacing humans, AI will become digital teammates working behind the scenes.
For example:
• AI agents preparing renewal packets
• Extracting data from submissions and emails
• Comparing carrier responses
• Surfacing missing coverages
The result?
Less administrative work.
More time for brokers to do what actually matters: advise clients.
One of my favorite lines from the episode:
“Imagine every employee showing up like your top 10%.”
That’s the real promise of AI in insurance.
Tuio serves a segment that traditional insurers struggle with: digitally native customers who expect self-service insurance, transparent pricing, and fast claims resolution. Instead of building another digital wrapper around legacy systems, Tuio designed a platform that uses AI agents to optimize the two biggest drivers of insurance profitability: marketing and claims.
“It was the first FAIR Plan launched in over 20 years.”
When a state becomes the insurer of last resort, it cannot improvise.
A FAIR Plan must operate like a real insurance company: capitalized, issuing paper, fully serviced, and compliant from day one.
In this case, the state had no funds in place.
Within 120 days, the Xceedance team:
Secured the required funding
Stood up full insurance operations
Built the vendor ecosystem
Launched services end-to-end
They were writing business within four months.
An exceptional example of how public-sector insurance initiatives still require private-market execution discipline.
🎙 Episode 145 of hashtag#InsurtechTalk with Katey Walker
Founders, operators, and industry experts—real infrastructure, not theory.
In this episode, we go on an unexpectedly fascinating journey — starting with coyotes and foxes, moving through African farming and UK wildlife, and ending in the heart of what this conversation is really about: insurance, reinsurance, and building modern core systems for carriers.
Jay and I talked about the state of the workforce that makes the insurance industry, the challenges the legacy companies face to recruit employees to technology roles, and the impact of the COVID pandemic on the future of office-culture and performance.
To succeed, once they're (new talent) brought into to your organization, we work to prevent an organ rejection...
In this episode, Troy Korsgaden and I talk about his latest book, "Inflection point," and his experience consulting insurance agencies and insurance carriers and other life hacks. Troy started his insurance career in 1983. He has instructed and spoken with hundreds of thousands of executives, agents, brokers, and staff members. He authored six books promoting his mission to help the insurance industry to wake up to the radical transformation that is taking place.
Don't put the sale first, don't put the commission first. That comes at the end.
It'll come naturally, it always has. So just be like water, let it flow and as it comes to you serve the customer and then be prepared to offer your product solution.
