AI adoption in insurance should enhance, not replace, subject matter experts (SMEs) whose expertise underpins underwriting, actuarial analysis, claims, and customer service. GenAI can automate routine tasks, provide faster insights, and support decision-making, but nuanced judgment remains human-led. SMEs collaborate with InsurTech to guide AI integration, optimize processes, and ensure compliance. Augmented AI empowers underwriters with automated risk assessments, actuaries with predictive models, and claims adjusters with expedited processing. This SME-centric model balances efficiency, compliance, and customer trust while driving continuous improvement and sustained growth.

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