In short

• Many insurance companies are already using AI tools, with Chinese insurers leading the way in adoption and integration.
• Teams considering using AI still need to consider where the tech can best be used to improve productivity, before assessing the tool and model options.
• For insurance professionals who are just starting to experiment with generative AI, prompt engineering is a critical skill to learn. Plus, the model you use and the contextual information you provide can change the AI output significantly.

Three years after ChatGPT was launched on an unsuspecting world, the question is no longer whether generative AI will affect insurance, but how rapidly and profoundly it will transform the industry.

Chinese insurers have moved faster with AI than most of their global peers. A 2025 Society of Actuaries survey authored by Jian Gang He and Hong Li found just over 60 per cent of surveyed insurers already run large language model (LLM) applications in production, often co-developed with tech giants like Alibaba or Tencent.

While co-development is the norm, 62 per cent also build in house, with Alibaba’s Qwen a common partner. Looking ahead, it’s clear AI should be viewed not as an experiment but as essential infrastructure.

Insurers need to embed domain-specific tools into their everyday processes and partner with local tech ecosystems to accelerate deployment.

The practical use cases

Many of our current generative AI tools are particularly good at content creation, making them ideal for communications-related tasks.

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