1、KPMG InternationalIntelligent insuranceA blueprint for creating value through AI-driven transformationKPMG.Make the D phase:Embed04At a glance26Third phase:Evolve08Research findings32Methodology05Introduction28Key considerations16First phase:Enable11Building the intelligent insurer33KPMG:Guiding you

2、r AI transformation with experience and trust 2025 Copyright owned by one or more of the KPMG International entities.KPMG International entities provide no services to clients.All rights reserved.Intelligent insurance:A blueprint for creating value through AI-driven transformation|2AI has been a par

3、t of the insurance industry for some time,but its adoption varies significantly based on insurance type,geography and the distinction between legacy insurers and insurtech disruptors.The emergence of generative AI,along with the next wave of autonomous and agentic AI systems,is unlocking entirely ne

4、w possibilities for innovation across the sector.However,while some insurers are doubling down on AI investment to drive competitive advantage,others remain cautious,either due to regulatory concerns,legacy constraints,or uncertainty about AIs long-term impact on their business models.This growing d

5、ivide between AI leaders and more conservative adopters will shape the future trajectory of AI-driven transformation in insurance.AI adoption in life and non-life insurance for example differs considerably.Non-life insurers,dealing with high-frequency claims in areas like auto and home insurance,hav

6、e been using AI primarily for“back office”functions such as fraud detection,real-time risk assessment,automated claims processing and dynamic pricing.Their focus is on speed and operational efficiency,using structured external data such as telematics,Internet of things(IoT)and geospatial risk analys