06/17/2026
A policyholder starts a claim on the website, switches to SMS because they're heading out, then calls in later to follow up. Three channels. One conversation or three separate ones, depending on the platform.
Most insurers are running the three-separate-conversations version. The policyholder repeats their story each time, the agent has no record of what's already been discussed, and the whole interaction takes longer than it should.
Carriers building toward a single continuous conversation, where context carries across channels and from AI to human agent, are solving a problem that has less to do with AI capability than with how their systems talk to each other. The AI needs access to the same interaction history regardless of where the conversation is happening.
There's a full breakdown of how insurers are approaching this, along with the other top use cases in 2026, at the link below.
https://bit.ly/3QlIjhr