Agentic AI in Insurance 2026

Agentic AI in Insurance 2026

Summary

Agentic AI is the next step in the progress of AI, improving upon generative AI. Essentially, agents can operate independently, collect information, review documents, and make decisions without human intervention. While checking and human oversight remain important, they are not as essential, and agentic AI tools can provide end-to-end resolutions for insurers across the value chain. They can analyze scenarios and plans and optimize actions in real time to achieve goals.

Insurers, reinsurers, and brokers are all currently exploring agentic AI use cases and how the technology can help improve their operations. This report provides an in-depth analysis of agentic AI within insurance-examining what agentic AI is, why it is different to AI, and how it can transform the insurance industry.

Scope

• Two thirds of insurers surveyed by Celent had some form of agentic AI project in production as of 2026.
• 64.3% of Life Insurance International readers believe AI chatbots will play a supportive role alongside human agents.
• Almost half of UK consumers would be comfortable or very comfortable trying an AI tool for premium quotes as per the analyst survey findings.

Reasons to Buy

• Understand what agentic AI is.
• Learn how it differs from previous iterations of AI.
• Discover what customers think about using AI in insurance.
• Identify how agentic AI applies to all areas of the insurance value chain.