The Future of AI in Insurance
Epic Speed. Trusted Results. Future Ready.
The AI journey in insurance is accelerating – and it’s reshaping everything. It’s no longer just improving operations – it’s redefining how the entire industry competes. From lightning-fast claims to real-time pricing and risk decisions, AI is the engine behind today’s most agile insurers.
This isn’t a trend. It’s a shift in power. Discover how forward-thinking insurers are using AI to lead with speed, resilience and data-driven confidence.
Insurance Meets AI. Explore the Journey.
A New Reality for Insurers
Enter AI. From Promise to Performance.
AI is no longer hype – it’s a boardroom imperative. Early adopters are rethinking core processes, using AI to reduce inefficiencies and drive faster, better outcomes.
To lead, insurers must:
- Break down operational silos
- Accelerate intelligent decision-making
- Build cross-functional agility
Doing this takes vision – and the right platform.
GenAI – The First Leap
Faster Training of Machine Learning Models
To accelerate AI model development and protect sensitive data, insurers are using synthetic data to train machine learning models at scale. These high-quality, privacy-compliant datasets eliminate the constraints of real-world data.
By simulating rare events, emerging risks and edge cases, models can learn faster and generalize better.
The result? Faster deployment of more accurate models for underwriting, pricing, fraud detection and claims automation. Synthetic data also enables bias mitigation, regulatory compliance and continuous model retraining – making innovation faster, safer and more sustainable.
Agentic AI Takes the Lead
Agentic AI systems – an evolution of enterprise decisioning frameworks - rely on one or more AI agents working together like a high-functioning team. They can autonomously handle tasks in underwriting, claims processing, fraud detection and risk assessment workflows.
Intelligent agents that amplify your team
Envision intelligent agents seamlessly integrated into your business and workforce – making informed decisions, scaling effortlessly and staying aligned with your goals. With agentic AI, powered by SAS® Viya®'s intelligent decisioning, this vision becomes reality. It’s about giving you confidence and control while AI drives meaningful results.
Let’s look at how intelligent agents are optimizing key insurance workflows:
Automated Underwriting and Onboarding
Agentic AI is transforming underwriting and customer onboarding into real-time, autonomous processes. Intelligent agents analyze risks, verify identities and generate personalized policy recommendations – almost without human intervention.
These AI agents combine computer vision, natural language processing and synthetic data to assess risk profiles, detect fraud, and ensure compliance. This approach improves speed and accuracy while allowing adaptive AI models to evolve with emerging trends – leading to more accurate pricing and expanded coverage for complex risks. The result? Faster approvals, reduced manual effort, lower fraud risk and a smoother customer experience.
Claims Management at Scale
From claims assessment and fraud detection to settlement processing, agentic AI is revolutionizing claims management. Intelligent agents interpret unstructured data – from images and adjuster notes to IoT sensor feeds – to validate claims, detect anomalies and assess damages in real-time.
These systems can also optimize claims triage by categorizing cases based on complexity and automating communications with policyholders. The impact is clear: reduced fraud risk, faster and more accurate decisions, streamlined operations, lower costs and a significantly better customer experience.
With SAS, agentic AI isn’t theory—it’s production-ready, trusted, and built to scale. Governance, decisioning, and explainability are embedded, so you get AI that delivers measurable results—smarter underwriting, faster claims management and decisions you can trust.
Learn how SAS combines decisioning, governance and scalability to make agentic AI work in the real world.
AI You Can Trust.
A Partner You Can Count On.
Trusted AI requires strong governance and the right partner to put it into practice.
Trust in AI Begins With Governance
As AI capabilities accelerate, governance becomes mission-critical. From GenAI to agentic systems, strong governance ensures transparency, auditability and regulatory alignment across your business.
SAS helps insurers embed responsible AI frameworks into enterprise operations – giving you the confidence to innovate while managing risk and maintaining compliance.
SAS – Your Trusted AI Partner
SAS has been helping insurers make smarter, data-driven decisions for more than 40 years – and we’re leading the way into the AI-powered future. Whether you’re exploring GenAI or deploying intelligent agents, SAS solutions help you:
- Innovate responsibly with built-in governance
- Scale AI across the insurance life cycle
- Deploy faster without sacrificing compliance or control
- Turn complex data into clear, confident decisions
With SAS, you’re not just future-ready. You’re future-smart.
Ready to See What’s Possible?
Frequently Asked Questions About AI in Insurance
What’s the best use of AI in claims processing?
AI agents now manage claims from triage to settlement – interpreting adjuster notes, analyzing unstructured data and improving fraud detection in real time.
How does AI stay compliant with insurance regulations?
SAS platforms are designed with built-in governance – providing auditability, transparency and compliance with evolving regulatory standards.
What kind of ROI can I expect from AI insurance solutions?
Studies show insurers often achieve 20-30% efficiency gains in underwriting and claims, along with measurable fraud reduction and improved customer satisfaction within the first year.
How does AI integrate with existing insurance systems?
Modern AI platforms integrate seamlessly via APIs and flexible pipelines, reducing disruption while maximizing impact.
What's the difference between GenAI and agentic AI?
GenAI focuses on generating content and analyzing data. Agentic AI goes further by taking autonomous actions – such as processing claims or making underwriting decisions.
