90%以上的人寿保险人正在探索人工智能,但只有22%的人使用过它,尽管它被用于索赔和数据任务。 Over 90% of life insurers are exploring AI, but only 22% have deployed it, despite its use in claims and data tasks.

人工智能正在迅速改变保险行业,90%以上的人寿保险公司探索或使用人工智能加强承保、索赔处理和客户服务。 Artificial intelligence is rapidly transforming the insurance industry, with over 90% of life insurers exploring or using AI to enhance underwriting, claims processing, and customer service. 虽然82%的高管优先考虑人工智能,但只有22%的人在生产中部署了它,这突显了兴趣和实施之间的差距. While 82% of executives prioritize AI, only 22% have deployed it in production, highlighting a gap between interest and implementation. 人工智能已经用于数据提取(69%)、索赔自动化(64%)和聊天室(60%),但呼叫中心的采用率仍然很低。 AI is already used in data extraction (69%), claims automation (64%), and chatbots (60%), but adoption in call centers remains low. 保险人正在将AI扩大到定价、销售和面向客户的工具,尽管治理和数据隐私仍然是重大挑战。 Insurers are expanding AI into pricing, sales, and customer-facing tools, though governance and data privacy remain major challenges. 早期采用者报告在效率和客户经验方面有所改进,但许多机构仍然依靠基本工具,对偏见、透明度和劳动力影响的关切依然存在。 Early adopters report gains in efficiency and customer experience, but many agencies still rely on basic tools, and concerns about bias, transparency, and workforce impact persist.