2026 Industry Report

AI for Insurance Agencies: Adoption Trends, Real-World Use Cases, & What's Next

Survey data from health, life, Medicare, and employee benefits agencies shows AI is already saving time on everyday tasks. But most agencies aren't yet using it where it would help most. Here's what the data shows.


See How Your Agency Compares

Only 12% of Agencies Say Their AI Use Is Strategic. Here's What the Other 88% Are Doing.

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Agencies across health, life, Medicare, and employee benefits are using AI today. For many, it's already cutting time on routine tasks: drafting emails, summarizing calls, putting together marketing content. But how far agencies have taken it varies a lot. Some have built AI into defined workflows, while many are still testing things out.

This report is based on direct survey responses from agencies of all sizes. It documents what agencies are using AI for, which tools they rely on, what's holding them back, and what they want next. If you want to know where your agency stands relative to the rest of the industry, the data is here.

Key Trends & Topics Covered

  • AI adoption stages across agency types and sizes
  • Most and least common AI use cases in insurance agencies today
  • Which AI tools agencies are using and how
  • Where AI is delivering value and where it's falling short
  • Trust, compliance, and security concerns affecting adoption
  • Agency priorities for AI over the next 12-24 months
  • Practical recommendations for agencies at different stages of adoption

This report combines insights from:

  • Survey responses from small to mid-size health, Medicare, and group benefits agencies
  • AgencyBloc anonymous client studies
  • Industry research from organizations such as BenefitsPro, Big "I", CMS.gov, and more

Download the Industry Report:

KEY INSIGHT
91% of Insurance Agencies Are Using AI

But, just 11% call it a real strategy. Nearly every agency surveyed has started using AI in some form, and 58% use it daily. But formal process hasn't caught up with daily habit. A third describe their use as informal experimentation, and only 11% say AI is a significant part of their broader agency strategy.

KEY INSIGHT
Administrative Relief is the Clearest Near-Term Value

Drafting emails and client communications is the top use case today at 80%, and reducing administrative work is the #1 priority agents want AI to deliver over the next 12-24 months, landing in the top 3 for 88% of respondents. The pattern holds across the entire report: agencies want AI to assist with work on their plate, not just write better copy.

KEY INSIGHT
Agencies Are Asking for AI Inside the Systems They Already Use

61% say it's extremely or very important that AI be built into their existing AMS or CRM rather than used as a separate tool. Only 24% currently have that today, while 83% are using general-purpose tools like ChatGPT instead. The most-requested capabilities (renewal reminders, follow-up drafting, data entry) all depend on data that already lives inside the systems agencies use every day.