Insurance in the Agentic Era: From AI use cases to an Agentic Insurance Core Operating System

A new whitepaper from Google and CoverGo explores what the rise of Agentic AI means for the future of insurance

New York, NY (Feb. 26, 2026) – CoverGo is pleased to announce the publication of a new whitepaper, Insurance in the Agentic Era: From AI use cases to an Agentic Insurance Core Operating System, by Maxim Afanasyev, PhD, Financial Services Industry Head for Asia Pacific and Japan at Google Cloud, and Tomas Holub, CEO & Founder of InsurTech CoverGo, which 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.

Insurance in the Agentic Era

AI in insurance is moving beyond individual use cases and productivity gains. As AI agents increasingly act on behalf of customers, brokers, insurers, and other participants across the insurance ecosystem, the way insurance organizations operate will need to evolve with them.

In this whitepaper, Google and CoverGo explore the shift from isolated AI use cases toward an Agentic Insurance Operating System – and the business, organizational, data, and technology foundations insurers need to make that transition. You will learn:

• Why Agentic AI could fundamentally change insurance – not just make existing processes faster.
• How AI agents could reshape distribution, underwriting, claims, and servicing.
• The technology, data, governance, and human oversight required for agentic insurance.
• How insurers can move from standalone AI initiatives toward coordinated AI agents.
• A practical five-step approach to modernizing legacy insurance technology for the agentic era.

Download the whitepaper from CoverGo: Insurance in the Agentic Era: From AI use cases to an Agentic Insurance Core Operating System.

• Learn more about CoverGo in the InsurTech Spotlight.

About Google and CoverGo

CoverGo, a leading global modular A I insurance platform for health, life, and P&C, works with insurance organizations worldwide, including AXA, Bupa, Blue Cross, Sun Life, Prudential, MSIG, Marsh, and many others. CoverGo partners with Google to advance A I innovation in insurance, bringing together Google’s A I and cloud technologies with CoverGo’s insurance technology and domain expertise. The collaboration explores how Agentic AI can transform insurance operations and support the industry’s evolution toward more intelligent, connected operating models.

About CoverGo

CoverGo is the leading global AI, no-code insurance platform for health, life, and P&C, enabling insurers to transform digitally in the most flexible, scalable, and cost-effective way, with AI Agents across the value chain. A growing number of insurance companies across the globe adopt CoverGo to digitize and automate their processes across omni-channel distribution, policy servicing, and claims. CoverGo’s clients include AXA, Bupa, Sun Life, Prudential, MSIG (MS&AD), Dai-ichi Life, Marsh, and many others. For more information, visit www.covergo.com.

SOURCE: CoverGo