Agentic AI is moving beyond static automations toward autonomous, goal‑seeking systems that plan, act, and learn across underwriting, claims, servicing, and reinsurance.
A fundamental misconception about AI in insurance is the notion of human replacement. In a regulated industry where professional judgment, accountability, and customer relationships are paramount, the goal is human amplification — making insurance professionals more productive, more accurate, and more compliant, not fewer in number.
Perpendo AI’s approach recognizes that in insurance, AI systems are not autonomous decision-makers but rather intelligent assistants that augment human expertise. This philosophy shapes every aspect of our approach, from HITL (Humanin-the-Loop) checkpoints to explainability requirements to competency development frameworks.
This whitepaper defines a pragmatic assessment that measures where a carrier, MGA/MGU, broker, reinsurer, or TPA stands today—and what it will take to safely scale Agentic AI with auditability, explainability, and measurable business outcomes.