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Best's Special Report: Trend Review Artificial Intelligence Appears to be Ready, But Most Insurers Are Not

 
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<abstract displayLabel="Summary">In November 2025, AM Best surveyed 152 rated carriers and MGAs on the impact of AI in insurance. Most insurers expect AI to significantly transform business models within one to three years, with strong focus on improving productivity, lowering costs, and enhancing underwriting. Adoption remains uneven due to data readiness, security/privacy, and legacy system integration challenges. Governance is advancing: 63% have formal AI policies and many align with NAIC principles on fairness, accountability, transparency, compliance, and security. Live use is most prevalent in IT/developer productivity, with growing applications in claims, underwriting, and operations, including generative and agentic AI. While ROI measurement confidence is limited, respondents report notable gains in workforce productivity and efficiency. Staffing is expected to shift toward redeployment rather than reductions as AI augments, not replaces, human roles.</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>
<note type="statement of responsibility">Kaitlin Piasecki; Jason Hopper; Sridhar Manyem</note>
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