Insurance carriers are caught between margin pressure from above and below. AI-driven comparison tools are eroding the brand insulation that protected pricing power, while most carriers’ AI investments accelerate work without reducing costs because those investments optimize tasks rather than workflows.
The hidden problem: coordination work. Handoffs, approvals, and status checks consume nearly half of mid-office and IT budgets but deliver little customer value. Most AI initiatives ignore it entirely. Datos calls this “glue work”—the connective labor that keeps operations moving but doesn’t improve margins. Eliminating it is where real cost transformation lives.
Datos Insights introduces a solution: “glue tech,” an AI orchestration layer that eliminates coordination work entirely. This is the difference between incremental efficiency and structural cost transformation that reduces expense ratios.
This report shows technology and operations leaders where coordination overhead hides, how to prioritize redesign, and how to turn AI investment into measurable operating leverage. Readers gain a practical roadmap for building a lower-cost operating model—not just faster processes.
Clients of Datos Insights’ Life, Annuities & Benefits and Property & Casualty practices can download this report.
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