The July 2025 Datos Insights report reveals that while AI adoption in life, annuity, and group benefit carriers is growing, only 5% have achieved broad implementation. Most insurers remain in pilot phases, with data quality, legacy system integration, and talent gaps as key barriers. Summarization leads in adoption (35%), but conversational AI remains underused. Claims and underwriting show the highest use, while service lags. Only 27% report positive ROI, largely driven by operational efficiency. Marketing sees strong impact from content generation. Despite momentum, 37% of firms feel they are falling behind competitors.

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