Best 9 AI Tools for Insurance Companies in 2026

In 2026, insurers are no longer asking if they should use AI; they’re asking where it drives the most value. From claims adjudication and underwriting to servicing, renewals, and even marketing materials, artificial intelligence now supports high-volume decision-making across the insurance value chain.

But not all AI tools for insurance companies are created equal. The difference between solving a task and transforming operations lies in how insurers implement AI technology:

• Point AI tools solve specific problems, such as classifying documents or scoring claims data.
• Workflow-level automation platforms use AI agents to orchestrate end-to-end processes across systems, channels, and teams.

Choosing the right category of AI solution matters more than selecting the most popular tool. Here's what top insurance agencies and carriers are using to increase operational efficiency, improve customer satisfaction, and reduce the need for human intervention in 2026.

Best AI Tools for Insurance Companies

AgentFlow – Best for End-to-End Insurance Workflow Automation

AgentFlow is a purpose-built platform that automates complete workflows across claims processing, underwriting, renewals, servicing, compliance, and cross-selling.

Instead of relying on task-specific AI models, AgentFlow enables insurance teams to define workflows using internal documents, historical data, and subject matter expertise, and then deploy them as governed, auditable AI agents.

With 100+ prebuilt insurance-specific templates, deployment timelines are shortened to under 90 days. AgentFlow turns tribal knowledge from senior underwriters and claims handlers into machine-executable, auditable workflows.

Who uses it: Underwriting, claims, operations, and compliance teams at leading insurance companies.

Standout capabilities:

• Orchestrates multi-step workflows across chat, voice, documents, and back-end systems
• Supports voice agents and AI-powered chatbots for intake, triage, and follow-up
• Includes risk assessment, policy generation, and claims adjudication templates out of the box

Boundary: AgentFlow does not offer a "free version" but provides rapid ROI (typically <90 days) through automation of routine tasks.

Pricing: Request a demo to get a customized quote based on your workflow automation goals.

Tractable – Best for Claims Image and Damage Assessment

Tractable uses computer vision to assess vehicle and property damage based on photos uploaded by claimants. Insurers rely on it to speed up claims processing, reduce adjuster workload, and improve accuracy in damage estimates.

Who uses it: Auto and property claims teams, field adjusters.

Standout capabilities:

• Real-time photo analysis for car crashes and property damage
• Integration with claims management systems
• Predictive analytics for repair costs and timelines

Boundary: Tractable only works on visual inspection tasks; it doesn’t handle claims triage, communications, or approval workflows.

Pricing: Contact the Tractable sales team to request a live demo and custom pricing.

Hyperscience – Best for Document and Policy Intelligence

Hyperscience automates the extraction, classification, and validation of data from complex insurance forms, including policy jackets, medical records, and claims submissions.

Who uses it: Underwriting, compliance, policy servicing, and back-office teams.

Standout capabilities:

• Handles handwritten forms and noisy PDFs
• Supports dynamic document formats without retraining
• Includes confidence scoring and human-in-the-loop review

Boundary: Hyperscience is a point solution focused on document intelligence. It doesn't integrate downstream decisions or workflows.

Pricing: Book a sales consultation on the Hyperscience website to get pricing based on your document volume and use case.

Planck – Best for Underwriting Risk Signals and Enrichment

Planck aggregates public and proprietary data to generate underwriting insights, especially in commercial P&C. It enriches applications with external signals such as web presence, financial risk, and historical violations.

Who uses it: Commercial underwriting teams, risk assessors.

Standout capabilities:

• Real-time risk profile enrichment using web data
• Industry-specific risk scoring
• API integration into underwriting workbenches

Boundary: Planck doesn’t automate underwriting workflows; it provides data-driven decisions that still require manual follow-up.

Pricing: Reach out to the Planck sales team to receive a tailored quote for your data enrichment needs.

Ada – Best for Customer Communication and Engagement in Insurance

Ada’s AI platform automates policyholder communication across channels like web chat, SMS, and mobile apps. It reduces call center load and improves customer experience by offering fast, consistent support.

Who uses it: Customer service, digital engagement, and marketing teams.

Standout capabilities:

• Trains on internal policy and FAQ data to resolve common inquiries
• Delivers multilingual and 24/7 self-service support
• Integrates with policy admin systems for personalized responses

Boundary: Ada improves customer interactions, but doesn’t connect communication to claims, policy, or compliance systems without external orchestration.

Pricing: Schedule a discovery call with Ada to receive pricing based on conversation volume and channels supported.

Shift Technology – Best for Fraud Detection or Anomaly Detection

Shift Technology uses machine learning to flag suspicious claim patterns and detect fraudulent activities. It’s a go-to tool for insurers seeking to improve claims data integrity and reduce losses.

Who uses it: SIU (Special Investigation Units), fraud analysts, and claims leadership.

Standout capabilities:

• Real-time anomaly detection during claims processing
• Pattern recognition across large datasets
• Alerts tied to business rules and past outcomes

Boundary: Shift doesn’t handle claim adjudication or resolution; it only flags anomalies.

Pricing: Contact Shift Technology to schedule a platform demo and get custom pricing details.

Sprout.ai – Best for Proposal, Policy, or RFP Automation

Sprout.ai uses NLP and document extraction to automate the intake and validation of proposal documents, policy renewals, and RFPs. It shortens quote turnaround time and improves accuracy.

Who uses it: Commercial insurance quoting teams, underwriters, and business development.

Standout capabilities:

• Contextual reading of long-form policy documents
• Auto-extraction of critical values (coverage, premiums, exclusions)
• Pre-fill integrations with quoting systems

Boundary: Sprout.ai doesn’t make underwriting or pricing decisions; it assists with document prep.

Pricing: Request a custom quote through Sprout.ai's contact form based on your document intake workflows.

Gradient AI – Best for Health and Workers’ Comp Underwriting

Gradient AI provides predictive analytics models for underwriting in group health, life, and workers’ compensation. It identifies trends in large, complex datasets to improve pricing decisions.

Who uses it: Group underwriters, actuaries, workers’ comp specialists.

Standout capabilities:

• Pre-trained machine learning models for health and injury risk
• Benchmarking vs. industry datasets
• Custom model training options

Boundary: Gradient AI improves risk scoring, but not process automation.

Pricing: Contact the Gradient AI team for a demo and pricing conversation tailored to your segment and data needs.

Hi Marley – Best for AI-Powered Texting and Customer Engagement

Hi Marley enables real-time, SMS-based conversations between carriers and policyholders. It simplifies communications, automates follow-ups, and drives customer engagement during key events like FNOL and renewals.

Who uses it: Claims teams, CX leaders, and retention and renewal teams.

Standout capabilities:

• Mobile-first interface with carrier branding
• Smart scripts for handling common events
• Integration with CRM and core systems

Boundary: Hi Marley focuses on messaging; it doesn't manage the full workflow.

Pricing: Book a discovery meeting with Hi Marley to discuss your texting volume and get pricing tailored to your team.

Why Most AI Tools Solve Tasks, Not Insurance Operations

Insurers often adopt AI tools for individual tasks, like document extraction or chatbot triage, without realizing these tools don’t communicate with each other.

As a result, carriers end up with disconnected tools that:

• Require manual work between systems
• Introduce process delays
• Increase regulatory risk

AI technology must operate at the level of workflows, not tasks. That’s the difference between deploying virtual assistants for policy FAQs and deploying AI agents that handle renewals, compliance, or cross-selling across teams.

AgentFlow solves this by providing secure, auditable orchestration across the full insurance value chain, using your own logic, documents, and customer interactions.

Book a Demo for AgentFlow

Would you like to learn how AgentFlow can help you automate end-to-end workflows across underwriting, claims, policy administration, and more?

Please book a demo and see AgentFlow in action, and learn how you can deploy it in your existing workflows in 90 days or less.

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FAQs

How can insurance agents use AI?

AI for insurance agents includes chatbots, virtual assistants, and smart CRMs that reduce manual entry, recommend next steps, and automate follow-ups. These tools help agents focus on building relationships and improving customer interactions.

What is an example of AI in insurance?

A typical example: using computer vision to assess car damage from accident photos and generate instant repair estimates. Another example: auto-triaging claims data for fraud risk or missing documentation.

How is AI used in healthcare insurance?

In health insurance, AI is used for predictive analytics, risk scoring, eligibility checks, and automating medical claims reviews. Gradient AI, for instance, helps underwrite group health using machine learning models trained on anonymized industry benchmarks.