Research from Evident, a London-based provider of artificial intelligence intelligence and analytics for the insurance industry, shows that AI deployment in the global insurance industry has increased by 87% year-on-year.
Evident reports that insurance companies are increasingly deploying generative artificial intelligence (GenAI) and agent technology in core operations.
According to data from Evident, 28 new artificial intelligence use cases were released in the fourth quarter of 2025 alone, almost double the number in the same period in 2024. The company attributes this growth not only to increased adoption but also to insurance companies being more willing to disclose AI deployments and measurable results.
According to Evident, about 40% of insurance companies currently report tangible business benefits brought by artificial intelligence, of which 77% are related to productivity improvements and 5% are related to revenue growth.
Evident noted that a key driver of this surge is the rollout of agent AI systems, which accounted for 21% of public deployments in the fourth quarter of 2025. Evident explains that these systems are capable of autonomously managing multi-step processes and are particularly suitable for claims management where unstructured data and complex workflows are common. More than half (56%) of agent deployments are focused on claims management, indicating that the industry is leaning towards applying AI to areas of operational complexity.
One example highlighted by Evident is Allianz’s Project Nemo, which reduced processing time for food spoilage claims by 80%. The system uses a central AI agent to coordinate seven specialized agents, reflecting what Evident describes as a shift from task-level support to end-to-end process automation.
“The insurance industry is crossing the threshold of AI adoption,” commented Annabel Ayles, co-founder and co-CEO of Evident. “The rise of agents can be understood as a shift from AI as a productivity tool for individual workers, to AI as an operating system. Now, AI is starting to run processes, not just support them. Claims management is first because it is complex, data-intensive and measurable, but other categories will undoubtedly follow.”
Evident’s analysis shows that GenAI and agent programs combined will account for 68% of AI deployments in the fourth quarter of 2025, with claims management accounting for 37% of these projects, more than any other function. Underwriting and pricing and customer engagement each account for 21% of next-generation AI use cases. Evident cites Manulife’s sales enablement tool as an example, reporting that it increases repurchase rates by up to 5%.
Customer-facing AI is also growing rapidly. Evidence reports that in the fourth quarter of 2025, 36% of use cases involved direct interaction with policyholders, compared with the historical average of 7%. The company pointed to Swiss Re’s Wysa Assure, an AI-enabled mental health app that Evident notes is associated with a 31% reduction in depression among users and a 33% reduction in potential claims. Evident explains this as evidence of insurers’ growing confidence in AI’s readiness for frontline customer engagement.
Evident’s research, which covers 30 of the leading life, property and casualty (P&C), general and reinsurance groups in North America and Europe, found that P&C insurers are the most aggressive adopters, accounting for half of AI deployments in the fourth quarter of 2025.
Life insurance companies are following suit with applications in underwriting automation, policy servicing and fraud detection. The specialty insurance and reinsurance segments followed, while asset management and investments experienced the fastest growth, with deployments more than tripling compared to the same quarter in 2024, according to Evident.
Christian Preece, director of insurance at Evident, added: “Property and casualty teams are using AI to automate more and more of their claims process, and the most advanced insurance companies are experimenting with end-to-end automation through agent AI.”
“The shift from point solutions to end-to-end automation demonstrates how AI can transform core insurance processes, and while the volume and complexity of use cases is highest in claims management, we are seeing real growth in underwriting and pricing as well as customer engagement – demonstrating greater maturity of AI across the lifecycle.”
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