Signal RoseIndependent agents and small agencies juggle a lot of repeat work: renewal reminders, quote follow-ups, explaining coverage in plain English, collecting information for applications, and answering the same service questions. Much of it is writing and sorting, which is where AI tends to help first. Here's where we'd start.
Where the week goes
- Renewal reminders and review appointments.
- Following up on quotes that went quiet.
- Explaining coverage and policy changes in plain English.
- Gathering information for applications and endorsements.
- Answering routine service requests by phone and email.
- Writing newsletters, social posts and website content.
AI uses worth trying first
| Task | What AI does | Who checks it | Effort to start |
|---|---|---|---|
| Renewal outreach | Drafts personalized renewal and review emails from your book | The agent before sending | Low |
| Quote follow-up | Drafts follow-up messages based on the quote and the client's questions | The agent | Low |
| Plain-English summaries | Drafts a simple explanation of a policy or change for the client | A licensed agent, against the policy | Medium |
| Service email sorting | Tags incoming requests (billing, change, claim, certificate) and drafts replies | Service staff | Medium |
| Call notes | Summarizes calls and pulls out follow-up tasks | The agent who took the call | Low |
| Marketing content | Drafts newsletters and educational posts | The agency owner, before publishing | Low |
Coverage explanations need special care. A summary that gets a limit or an exclusion wrong can mislead a client. A licensed person should check every one against the actual policy.
What isn't worth the money yet
- AI that gives coverage advice without a licensed person reviewing it.
- Voice bots handling claims conversations. Clients filing a claim usually need a person.
- Buying an AI add-on before checking your agency management system. Many already include AI features.
Rules to know before you start
- NAIC Model Bulletin on AI. In December 2023 the National Association of Insurance Commissioners adopted a Model Bulletin on the Use of Artificial Intelligence Systems by Insurers. It reminds insurers that decisions affecting consumers that are made or supported by AI must comply with existing insurance laws, including unfair trade practice laws, and it expects insurers to have a written AI governance program. It's aimed at carriers, and each state decides whether to adopt it, but carriers you work with may ask agencies about their own AI use.
- Client information. Applications and policies hold personal and sometimes health or financial information. Use business AI plans with training on your data turned off, and decide what never goes in.
- State rules and carrier agreements on advertising, recordkeeping and data handling still apply.
This is general information, not legal advice. Check with your state department of insurance guidance and your own advisor.
Your first week
- List the five service and sales tasks that take the most time each week.
- Write a one-page AI policy: approved tools, what client data may never be entered, and who reviews what.
- Start with a low-risk task that uses little client data, like renewal reminder drafts or newsletters.
- Measure time spent before and after for two to four weeks.
- Add plain-English policy summaries only once review steps are in place.
Questions insurance agents ask
What are the best AI tools for insurance agents?
Start with AI features in your agency management system and CRM, plus one general AI assistant on a business plan for drafting. We don't take commissions on any tool.
Can AI help life insurance agents?
Yes, mostly with follow-ups, appointment reminders, call summaries and educational content. Anything that describes a product or recommends coverage needs a licensed person's review.
Is it legal for insurance agencies to use AI?
Generally yes, with care. Existing insurance laws still apply to AI-assisted work, and a number of states have adopted versions of the NAIC's AI bulletin for insurers. Check your state's guidance.
Related
Sources
- NAIC, "NAIC Members Approve Model Bulletin on Use of AI by Insurers," 4 December 2023: https://content.naic.org/article/naic-members-approve-model-bulletin-use-ai-insurers
- NAIC Model Bulletin: Use of Artificial Intelligence Systems by Insurers (adopted 4 December 2023): https://content.naic.org/sites/default/files/inline-files/2023-12-4%20Model%20Bulletin_Adopted_0.pdf
Last reviewed 30 September 2026. This page is general information, not legal advice.