The L/A/B insurance sector has spent years promising data transformation. The AI wave has turned that promise into pressure, and carriers routinely hit the same wall: the data is not ready. This report argues that conclusion is both imprecise and unhelpful. Data is rarely ready for everything, but it is frequently ready for something. Leading carriers have stopped waiting for perfect data and started defining, with rigor, what “good enough” means for each use case. This report maps six insurance AI applications – from underwriting and claims to customer communications and actuarial modeling – showing the specific data, operational, and governance conditions each function requires before production deployment. Carriers will find a use-case-specific framework for assessing readiness, guidance on sequencing AI investments by function and product line, and an honest assessment of where operational process design, not model quality, determines whether pilots scale.
Clients of Datos Insights’ Life, Annuities & Benefits practice may access this report.
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