Artificial Intelligence Appears to be Ready, But Most Insurers Are Not

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<title>Artificial Intelligence Appears to be Ready, But Most Insurers Are Not</title>
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<abstract displayLabel="Summary">AM Best presents findings from a November 2025 survey of 152 rated carriers and MGAs on artificial intelligence adoption in insurance. Most insurers expect AI to significantly transform business models within 13 years, yet many remain at early stages of implementation. Governance is advancing, with most respondents reporting formal AI policies, though regulatory uncertainty, data readiness, security/privacy, and legacy integration are key challenges. Investment in AI is set to rise, focusing on productivity, cost reduction, underwriting support, developer efficiency, and claims/fraud use cases, including generative and emerging agentic AI. Reported benefits include improved workforce productivity and operating efficiency, while staffing is expected to be redeployed rather than reduced. The report outlines NAIC AI principles, operational goals, implementation stages, results, and detailed appendix data on tools, risks, and organizational impact.</abstract>
<tableOfContents>Principal Takeaways -- AI Oversight and Risk Management -- Driving Transformation with AI -- Leveraging AI for Core Insurance Operations -- Results and Value -- AI's Impact on Employees -- Appendix: Additional Survey Results</tableOfContents>
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<title>Best's Special Report</title>
<partNumber>April 27, 2026</partNumber>
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