AI systems are evolving from “assistants” to “agents”. In our whitepaper “From OpenClaw to primary insurers”, we draw on insights from Munich Re where AI creates real added value, and what is needed to deploy it on a large scale in the insurance industry.

Artificial intelligence is moving from experimentation to real-world impact, evolving from simple assistants to autonomous agents that can plan, act and deliver results. As “From OpenClaw to primary insurers” shows, this evolution opens up significant opportunities for (re)insurers – grounded in insights from Munich Re’s own AI adoption journey: from faster claims handling and smarter underwriting to improved customer experience and better use of scarce expertise.

What you’ll find inside:

• From chat to action: How AI is evolving from conversational assistants towards more agent-based systems
• Where AI can create value: Opportunities across underwriting, claims, customer service and knowledge work
• Insurance realities that shape adoption: The role of operating models, governance and AI readiness in determining what can scale
• Building the foundations for success: Data, technology, processes, skills and controls as prerequisites for sustainable AI investments

Yet the real challenge is not technology but integration into the realities of the insurance industry and execution. Insurance operating models, regulatory requirements and legacy systems demand a disciplined approach to scaling AI. Success depends on selecting the right use cases, embedding governance by design, and building robust foundations in data, technology, processes and skills.

AI agents can be a game changer – but only for insurers who invest with focus, align capabilities with their operating reality, and build readiness early. Those who do will turn AI into a sustainable source of productivity, quality and competitive advantage.