Insurers Strengthen Cores For AI-Enabled Growth
Insurers entering 2026 are prioritizing full core modernization to enable scalable, AI-driven underwriting, claims, and service. After 2025’s failures of patched legacy and modern-legacy platforms, firms plan event-driven, data-fluid cores with embedded governance, explainability, and real-time decisioning. The shift aims to unlock continuous underwriting, regulatory auditability, and ecosystem integration while reducing integration cost and improving customer experience.
Key Points
- 1Rebuild core systems across insurers to replace legacy and modern-legacy monoliths.
- 2Enable operational AI by delivering clean, real-time contextual data and end-to-end governance.
- 3Adopt event-driven, AI-ready cores to support continuous underwriting, explainability, and regulatory compliance.
Scoring Rationale
Actionable, industry-wide insight into core modernization; limited by analytic/opinion basis lacking independent empirical benchmarks or vendor-neutral data.
Sources
Public references used for this report.
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