Members now expect accessible, AI-enabled experiences from their insurance carriers and brokers the same way they do from everything else. And nowhere is that shift more visible, or more demanding, than the jargon-heavy, high-stakes, deeply personal world of health, life, and benefits. The challenge today is that a genuinely helpful AI conversation is only as good as the operational data feeding it, which means the most difficult (and impactful) work happens upstream: in the RFP, plan configuration, implementation, and delivery work carriers and brokers do long before a member ever shows up.

Drawing on what she's learned from founding Pasito and building AI-native insurtech, Pauline Roteta, CFA, CFP®, shares best practices for applying agentic AI across the insurance lifecycle.