The latest market trends info from Evident for you;
The number of AI use cases in the insurance sector has grown 87% since last year, driven in part by the growing number of agentic AI deployments.
The data comes from the Evident AI Use Case Tracker for Insurance, the most comprehensive database of AI deployments across the industry. It shows not only that insurers are disclosing more AI use cases, but that around 40% now report tangible business outcomes, based on the latest Q4 2025 dataset. The vast majority of these outcomes relate to productivity gains, which account for 77% of reported results, while revenue uplifts represent just five percent.
Partly driving the rapid increase is the growing use of agentic AI, which made up one in five (21%) public AI deployments among insurers this quarter, enabled by stronger AI infrastructure. Agentic is being rolled out as part of claims management in the majority of cases (56%), proving well suited to its multi-step unstructured data processes. One leading example is Allianz’s Project Nemo, which delivered an 80% reduction in claims processing time for food spoilage incidents via a system that uses a central AI agent to direct seven other specialist agents.
“Insurance is crossing a threshold in AI adoption,” said Annabel Ayles, Co-founder and Co-CEO of Evident. “The rise of agentic can be read as a shift from AI as a productivity tool for individual workers, to AI as an operational system. Right now, AI is starting to run processes rather than just support them. Claims management is first because it is complex, data-heavy and measurable, but other categories will no doubt follow.”
GenAI and agentic rollouts accounted for 68% of all rollouts in Q4 2025, with AI moving into core insurance capabilities. Thirty-seven percent of these use cases fall under claims management – more than any other area. Meanwhile, insurers continue to prioritise bringing next-generation AI (GenAI and agentic AI) to underwriting & pricing (21%), and customer engagement (21%) – including Manulife’s sales enablement tool, which generated up to 5% higher repurchase rates.
There has also been significant movement in the proportion of customer-facing AI deployments, which made up 36% of reported use cases in Q4 2025, compared with 7% on average in past quarters. A relevant example is Swiss Re’s Wysa Assure, an AI-enabled mental health app that customers can interact with directly, and has reported 31% declines in depression and a 33% potential reduction in claims as a result. This points towards an increasing level of AI maturity, and confidence that the technology is ready to feed into interactions with policyholders.
The data, which covers 30 of the leading life, property and casualty (P&C), composite, and reinsurance groups across North America and Europe, also gives insight into which categories have published most use cases to date.
At this point in time, AI use cases remain highly concentrated in property and casualty (P&C) insurance, making up half of use cases announced in Q4 2025. Group-wide deployments aside, life comes in second for number of AI use cases, feeding into underwriting automation, policy servicing, and fraud detection, followed by specialty and reinsurance. Meanwhile, asset management and investment was the fastest growing segment, more than tripling Q4 deployments compared to its 2024 baseline.
“P&C teams are using AI to automate an ever greater proportion of claims processes, with the most advanced insurers experimenting with end-to-end automation via agentic AI,” says Christian Preece, Insurance Director at Evident. “That shift from point solutions to end-to-end automation shows how AI is transforming core insurance processes, and whilst the volume and complexity of use cases is highest in claims management, we’re seeing real growth in underwriting and pricing, and customer engagement too – pointing to greater AI maturity across the full lifecycle.”
Be the first to comment