An AI assistant available 24 hours a day, 7 days a week, that never sleeps, never gets sick and never asks the same question twice.
And it’s here.
Today, apps compare, recommend and arrange insurance right inside the LLMs that customers use every day. The customer doesn’t ask Google. Doesn’t call an advisor. They type a question into a chat and get an answer, a comparison and a recommendation within seconds.
And here’s the thing most advisors don’t realize.
The question isn’t whether AI will replace advisors. Everyone in the industry agrees that AI is more likely to reshape existing models than wipe them out. But it will reshape them fundamentally. Because distribution is always driven by whoever owns the first contact with the customer.
And that first contact is moving to AI interfaces.
Advisors and their platforms that stay visible and available in these new channels will grow. Those that don’t grow will gradually lose their footing for good. Especially smaller independent advisors who lack the resources for their own visible infrastructure.
I can see distribution changing in real time. And I believe the future of insurance advice isn’t about replacing people with algorithms. It’s about people working with algorithms and, thanks to that, doing what an algorithm can’t. Real advice in complex situations.
