What’s Next for Agentic AI?

Introduction

AI has already made the move from futuristic concept to an everyday part of insurance operations, including risk assessment, underwriting, claims processing, and fraud detection. The latest wave in AI, Agentic AI, takes AI one step further by working autonomously toward goals with minimal human intervention. Agentic AI systems don’t just analyze and advise, but complete entire workflows, adjust premiums, update policies, and trigger downstream actions based on predefined goals and limits. It’s a shift from AI as a tool, to AI as a colleague that accomplishes tasks with as much or as little oversight as necessary.

From Mortgage Assistant to Agent

Consider a scenario in the mortgage industry. When interest rates shift, an agentic AI system that is continually scanning the relevant data sources and key performance indicators (KPIs) can automatically adjust loan-to-value ratios based on preset risk parameters. That single change can also trickle down to another agentic AI agent that scans a servicing book and identifies customers who should receive refinancing offers. This entire agentic AI workflow can occur, with the appropriate guardrails in place. These guardrails take the form of parameter-driven, business logic supported by agents to ensure that the automation is optimized within the appropriate constraints that the industry, jurisdictional legislation, and business owner apply. This represents a dramatic compression of business logic lifecycles. What took weeks or months to flow from monitoring a KPI to implementing a change could happen in near real-time, with agentic AI agents not just identifying opportunities, but also acting on them autonomously.

The Path Forward

As agentic systems mature, several key developments are possible. First, trust can grow as structured use cases prove the reliability of these systems, allowing humans to grant them greater autonomy. Second, the tools available to agents can become more sophisticated, expanding what they can accomplish independently.

Most significantly, this shift can free human workers from commodity operational tasks to focus on handling exceptional cases as well as more creative, strategic work. Rather than manually research state regulations and modeling rules, humans can define goals, set constraints, and govern outcomes while agents handle execution. The humans in this agentic ecosystem will be more focused on defining goals, handling exceptional items resulting in refined goals and applying creativity to building new offerings that can be more focused on market niches.

As a result, hyper-personalization can occur at scale. Companies will have the agility to rapidly adapt offerings to individual customer needs in ways that simply weren’t feasible when humans had to manage every step of the process.

Governing the Future

The growth of agentic AI does not mean the removal of human oversight. Guardrails will remain essential, especially in highly regulated industries like insurance and financial services. The question isn’t whether to trust AI completely, but at what level of granularity to maintain governance. So should human insurers approve each step, or review the complete package before deployment? Agentic AI makes both approaches possible.

The Final Word

With the advent of agentic AI in insurance, what’s taking place is a fundamental rebalancing of how humans and AI work together. Rather than spending time on repetitive analysis and manual implementation, professionals can focus on strategy, creativity, and more sophisticated tasks. The combination of business logic, machine learning, and autonomous agents creates a decision intelligence ecosystem that’s more powerful and more responsive. The competitive advantage will belong to organizations that can effectively harness this new paradigm while maintaining appropriate governance and control. Competitiveness will be enhanced through productivity (less touches), accuracy (less rework), and the ability to get more business by rapidly tailoring offerings as needed for opportunities that would previously have been rejected.

For more information on how Sapiens Decision’s AI-powered, integrated business solutions help our clients adapt swiftly to market changes and stay ahead of the curve, request a demo.