Agentic AI promises a world of touchless claims, autonomous underwriting, and real-time fraud defence. But for most insurers, the bottleneck isn’t the technology — it’s the architecture beneath it. In a new article published on Insurance Thought Leadership, Jitendra Kukday, Global Head of the Growth Office at Brillio, makes the case that fragmented legacy systems, data quality debt, and brittle policy administration are the real barriers standing between pilots and production.
Jitendra argues that deploying agentic AI onto legacy foundations doesn’t just stall ROI — it introduces new forms of operational and regulatory fragility. From data quality becoming a solvency risk in autonomous decision loops, to the need for immutable audit trails that can reconstruct every agent action months after the fact, the demands of agentic readiness go far deeper than most carriers anticipate.
The article also flags a distribution risk that extends beyond internal operations: insurers unable to expose pricing, underwriting rules, and policy data through real-time APIs risk being disintermediated entirely as brokers and aggregators shift to AI-native ecosystems.
