How AI regulation and rising customer expectations are reshaping insurance
The insurance industry is at a critical turning point as AI moves from experimentation to execution, regulatory scrutiny intensifies, and customer expectations continue to rise. Insurers are being pushed to operate with greater speed, transparency, and precision while balancing profitability, risk, and compliance in an increasingly complex market. Based on a global survey of 400 insurance executives, this report examines how insurers are responding to these pressures, where progress is being made, and what will define competitive advantage in 2026 and beyond.
Key Takeaways
- How insurers are applying AI across pricing and rating, underwriting, and customer engagement
- Why data quality and legacy systems remain the biggest barriers to scale
- How regulatory and AI governance pressures are reshaping strategy globally
- Where insurers are investing to improve personalization products and customer trust
- What separates leaders from laggards as competition accelerates
Understand the priorities shaping insurance strategies in 2026 and the decisions leaders are making to position their organizations for what comes next.