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Sapiens Insurance AI Maturity Index 2026

Who’s Leading Insurance AI?

We benchmarked 475 senior insurance leaders across five regions to determine the state of AI in the insurance industry.

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What You'll Find in the Full Report

See how AI maturity varies by region, line of business, role, and organisation size
Compare how automation, AI, and agentic AI are used across distribution, underwriting, servicing, claims, fraud, and reinsurance
Explore where AI is already paying off, from faster product launches to lower manual handling costs
Learn what Autonomous Leaders do differently, from master data strategy to upskilling their people

Bar chart: 87% of insurers say agentic AI is important to their business, while 16% have adopted agentic AI in production.

Bar chart of top barriers to AI adoption among non-users: data privacy and security risks 63%, regulatory or compliance concerns 59%, integration with existing systems 51%, core systems need a significant overhaul 28%, don't know what solution they need 18%.

Bar chart of the most common reasons for human override of AI decisions: compliance or policy requirement 46%, customer vulnerability or exceptional handling 43%, poor or missing data quality 42%, lack of confidence in model or rule 39%, model doesn't fit edge cases 39%, audit or control process 27%.

Bar chart of the global Insurance AI Maturity Index distribution: Reactive 24%, Enabled 23%, Operational 28%, Autonomous Leaders 25%.

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Methodology

Conducted by Research in Finance for Sapiens, July to September 2026. Based on the results from 475 respondents that span the UK and Ireland, North America, South Africa, the Nordics, and Benelux, split between transformation leaders and business users.