Generative AI in insurance: from promise to performance
Published December 12, 2025
- Data & AI
- Insurance
Key takeaways
- This study was conducted by Wavestone, in partnership with OpinionWay, to assess the maturity of the French insurance market compared with Germany and the United Kingdom
- Insurers that have structured a robust technological infrastructure deploy their use cases 2.5 times faster and at lower cost
- Pioneer insurers are observing tangible productivity gains, particularly in operations, management and customer relations
- Of the more than 660 use cases identified in France, most remain at an experimental stage
- Despite significant operational gains, few insurers are yet integrating Finance and HR functions into the approach
- 76% of insurers already allocate a budget to agentic AI
What is the maturity of the French insurance market?
Based on factual data and interviews with industry executives, this study deciphers the trajectory of this transformation, from the first implementations to the rise of agentic AI, structured around four key questions:
- How can organisations move from experimentation to large‑scale industrialisation?
- How can productivity gains be converted into tangible economic value?
- What are the impacts on human capital and the resulting evolution of organisations and skills?
- Does the emergence of agentic AI foreshadow a reinvention of operational standards?
This year, the study is put into perspective through practices observed in Germany and the United Kingdom. This comparative approach highlights the differentiating levers at the European level.
For the past three years, Generative AI has marked a turning point for the insurance sector, going beyond the boundaries of traditional artificial intelligence. Its impact now extends across the entire value chain, unlocking new productivity gains: from operations to customer relations.
- Insurance
- Data & AI
Generative AI in insurance: from promise to performance
pdf · 485KO
Download the studySpecial thanks to Marin Tessel for his contribution to this study.
