Insurance in the Agentic Era: From AI use cases to an Agentic Insurance Core Operating System, a new whitepaper by Maxim Afanasyev, Google, and Tomas Holub, CoverGo, explores how Agentic AI in insurance could reshape the industry’s future.
Drawing on perspectives from Google and CoverGo across AI, technology and insurance modernization, the paper argues that the impact of Agentic AI could extend far beyond automating individual tasks or improving productivity. As AI agents increasingly operate across distribution, underwriting, claims and servicing, insurers will need to consider how their businesses, operating models and technology foundations evolve with them.
At the center of the paper is the concept of an Agentic Insurance Operating System: an environment in which specialized AI agents can access insurance context and tools, collaborate with other agents, interact with core systems and workflows, and involve people when human judgment is required. The paper examines the new challenges this creates, from agent conflicts and authority boundaries to data readiness, governance and human oversight. Pasted text
The whitepaper also presents a reference architecture illustrating how these components can work together, alongside a five-step modernization approach for insurers moving from isolated AI initiatives toward coordinated, agentic operations. Pasted text Pasted text
The central message: Agentic AI is not simply the next wave of insurance automation. It has the potential to reshape how insurance operates, requiring insurers to rethink the foundations on which their future businesses will run.
About Google and CoverGo
CoverGo, a leading global modular A I insurance platform for health, life, and P&C, works with insurance organizatio ns worldwide, including AXA, Bupa, Blue Cross, Sun Life, Prudential, MSIG, Marsh, and many others. CoverGo partners with Google to advance A I inn ovatio n in insurance, bringing together Google’s A I and cloud techn ologies with CoverGo’s insurance techn ology and domain expertise. The collaboratio n explores how Agentic A I can transform insurance operatio ns and support the industry’s evolutio n toward more intelligent, co nnected operating models.
Featured in the media
The Google x CoverGo whitepaper, Insurance in the Agentic Era, has attracted coverage and commentary across insurance and technology publications. Explore how different outlets are examining the implications of Agentic AI for the insurance industry.
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Explore the full whitepaper on Agentic AI in Insurance
Discover the complete insights, reference architecture and practical modernization approach in Insurance in the Agentic Era, by Google and CoverGo.