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.