Why most AI platforms are failing life insurers – and what to look for instead

Across the UK and EU, life insurers are waking up to an uncomfortable discovery: the AI platforms they invested in during proof of concept may be punishing them in production. Governance gaps can leave firms exposed to regulatory scrutiny. Token costs can spiral and integration architectures designed for a pre-agentic world are accumulating technical debt. The root of the problem is straightforward. Most solutions on the market are general-purpose AI tools dressed up with an insurance label, never designed for long-duration obligations, strict regulatory oversight or financial exposur...