Insurers embrace AI, but are not yet giving it the final say
Evident AI Use Case Tracker | Q2 2026
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Insurance AI use case disclosures are back to 2025 highs, with 37 new use cases from the 30 insurers tracked in the Evident AI Index for Insurance in Q2 2026 alone, spanning nearly every corner of the value chain.
After a period of experimentation, insurers are now embedding AI more deeply into how they distribute, underwrite, and service policies. But look closely at where the technology is being deployed, and a clear pattern emerges: insurers are happy to let AI accelerate their workflows, but are not yet giving it complete autonomy.
Evident AI Use Case Tracker
The Evident AI Use Case Tracker captures every publicly announced AI use case across the 30 insurers tracked in the Evident AI Index for Insurance. Evident members can access the tracker and quarterly trend reports. Explore the key findings from our Q2 2026 report below. To access the full report and dataset, get in touch.
KEY FINDINGS | Q2 2026
Use case disclosures rebound to 2025 highs
The 30 insurers tracked in the Evident AI Index for Insurance announced 37 new AI use cases in Q2, up from 27 in the previous quarter, returning disclosures to levels last seen in 2025.
Just as important as volume is breadth: rather than clustering in one or two functions, new deployments are spreading across the insurance value chain – from underwriting and pricing through to distribution, customer engagement, and claims.
Underwriting & Pricing: the fastest-growing application area
Underwriting & Pricing was the fastest-growing application area in Q2, driven almost entirely by P&C insurers.
This expansion, however, remains concentrated at the top of the underwriting “funnel”. Insurers are prioritizing tasks that structure and route information like submission intake and triage, over more judgement-intensive processes, such as pricing and portfolio management.
Agentic AI broadens in scope, but not authority
Agentic AI accounted for 6 of 37 use cases (16%) in Q2 – a slight dip from the previous quarter – but its footprint is widening: agents now appear across five application areas, up from three in Q1, as insurers test the technology beyond its early home in Claims.
Insurers use agents to summarize, route, and accelerate workflows, but few are giving agents material autonomy over pricing, coverage, or claims decisions, representing a lower risk path to scale.
Distribution shifts into third-party LLM interfaces
Insurers are extending distribution beyond their own websites and aggregators into third-party LLM interfaces. Sales & Distribution matched Underwriting & Pricing with nine new use cases in Q2.
Aviva, Liberty Mutual Insurance, and Allianz now generate live quotes directly inside ChatGPT – an interface they don't own – while AXA is tracking its brand visibility in LLM recommendations. This marks early investment in a new discovery channel outside insurer-owned platforms and traditional aggregators, and is one of the clearest signals of how quickly AI could reshape insurance distribution.
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