The global insurance sector has seen an 87% year-on-year increase in artificial intelligence deployments, according to research by Evident, a London-based provider of AI intelligence and analytics for the insurance industry.
Using its Evident AI Use Case Tracker for Insurance, which it describes as a comprehensive database of AI initiatives in the sector, Evident reports that insurers are increasingly deploying generative AI (GenAI) and agentic technologies in core operations.
Evident’s data shows that 28 new AI use cases were published in Q4 2025 alone, nearly doubling the number seen in the same period in 2024. The company attributes this growth not only to rising adoption but also to a greater willingness among insurers to disclose AI deployments and measurable outcomes.
According to Evident, around 40% of insurers now report tangible business benefits from AI, with 77% of those benefits linked to productivity gains and 5% to revenue growth.
A key driver of the surge, Evident notes, is the rollout of agentic AI systems, which accounted for 21% of publicised deployments in Q4 2025. Evident explains that these systems, capable of autonomously managing multi-step processes, are particularly well suited to claims management, where unstructured data and complex workflows are common. More than half (56%) of agentic deployments are focused on claims management, demonstrating the sector’s preference for applying AI to operationally complex areas.
One example highlighted by Evident is Allianz’s Project Nemo, which reduced processing times for food spoilage claims by 80%. The system uses a central AI agent to coordinate seven specialist agents, reflecting what Evident describes as a shift from task-level support to end-to-end process automation.
“Insurance is crossing a threshold in AI adoption,” commented Annabel Ayles, Co-founder and Co-CEO of Evident. “The rise of agentic can be read as a shift from AI as a productivity tool for individual workers, to AI as an operational system. Right now, AI is starting to run processes rather than just support them. Claims management is first because it is complex, data-heavy and measurable, but other categories will no doubt follow.”
Evident’s analysis shows that GenAI and agentic initiatives together made up 68% of AI rollouts in Q4 2025, with claims management representing 37% of these projects, more than any other function. Underwriting and pricing, along with customer engagement, each accounted for 21% of next-generation AI use cases. Evident cites Manulife’s sales enablement tool as an example, reporting that it boosted repurchase rates by up to 5%.
Customer-facing AI is also growing rapidly. Evident reports that 36% of use cases in Q4 2025 involved direct interactions with policyholders, compared with a historical average of 7%. The company points to Swiss Re’s Wysa Assure, an AI-enabled mental health app, which Evident notes has been linked to a 31% reduction in depression among users and a potential 33% drop in claims. Evident interprets this as evidence of insurers’ increasing confidence in AI’s readiness for frontline customer engagement.
Evident’s research, covering 30 leading life, property and casualty (P&C), composite and reinsurance groups across North America and Europe, finds that P&C insurers are the most active adopters, accounting for half of AI deployments in Q4 2025.
Life insurers follow, with applications in underwriting automation, policy servicing and fraud detection. Specialty and reinsurance segments come next, while asset management and investment experienced the fastest growth, more than tripling deployments compared with the same quarter in 2024, according to Evident.
Christian Preece, Insurance Director at Evident, added: “P&C teams are using AI to automate an ever greater proportion of claims processes, with the most advanced insurers experimenting with end-to-end automation via agentic AI.”
“That shift from point solutions to end-to-end automation shows how AI is transforming core insurance processes, and whilst the volume and complexity of use cases is highest in claims management, we’re seeing real growth in underwriting and pricing, and customer engagement too — pointing to greater AI maturity across the full lifecycle.”
