KPMG’s *Intelligent Insurance* report outlines a blueprint for how insurance companies can create value through AI-driven transformation. It presents a three-phase framework—Enable, Embed, and Evolve—guiding insurers from foundational AI adoption to full enterprise-wide integration and innovation. While 76% of insurers have seen a moderate to high ROI and 85% believe AI provides a competitive edge, challenges like data fragmentation, lack of AI skills, and regulatory concerns persist. The report emphasizes strategic alignment, trust and ethics, scalable infrastructure, and cultural change as key enablers. AI's future role extends beyond automation to ecosystem orchestration and proactive risk prevention.

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