Generative AI is no longer a future opportunity for insurers; it’s becoming a competitive dividing line
EIOPA’s latest perspective from The European Insurance and Occupational Pensions Authority (EIOPA)’s 2025 market-wide study[1], issued on 2 February 2026 and based on responses from 347 insurance undertakings across 25 EU/EEA markets, underscores this shift: the industry is moving rapidly toward AI-enabled operations, but with strong human oversight and a cautious approach to risk.
Against this backdrop, we’ve distilled EIOPA’s analysis through the lens of our market experience, client engagements, and our vision for a next-generation Human + AI Agent operating model—highlighting what leading analytical teams need to thrive.
All these features align with EIOPA’s emphasis on improving decision quality and oversight. By embedding intelligence and automation at the core of the pricing process (while maintaining human control), Radar 5 technology supports the industry’s AI-enabled future.
As automation takes over routine analytical tasks, insurers must be intentional about developing deep expertise in insurance and analytics. With fewer day‑to‑day tasks available for traditional on‑the‑job learning, insurers will need structured, proactive training to ensure future teams build the knowledge and analytical judgment required to work effectively with AI‑driven systems.
AI gives experts greater leverage and reach by handling mundane work and providing intelligent analysis, so that human specialists can focus on high-value decisions. It elevates the importance of seasoned analytical expertise by enabling those experts to have a bigger impact.
EIOPA’s 2025 Generative AI report supports our vision of the future of insurance analytics:
- AI is transformative, but it must be implemented in a responsible, controlled manner.
- Human accountability remains paramount, though how human assessment is applied will change profoundly.
- The insurance operating model will shift to Human + AI Agent teams, fundamentally redesigning how work gets done.
- Governance must become embedded and real-time to provide continuous oversight, rather than periodic checks, which will be the new standard.
- Deep domain expertise is more essential than ever and will be the key differentiator for market leaders.
- Insurers that move beyond experimentation and truly operationalize AI will lead the industry in the coming decade.
WTW is already investing in this future. We are building the tools, models, and advisory frameworks – including Radar 5 – that align with our market experience. In short, we believe that a Human + AI approach will define the next chapter of insurance analytics, and we are committed to helping our clients make that transition successfully.
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