Phillip Kangari

Phillip Kangari is founder of EasyEssence, an independent practice that scores artificial intelligence-generated coverage answers against carriers' own policy forms and reports what it finds.

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NAIC AI Risk Ratings Let Errors Slip

Phillip Kangari

Insurers' self-assessed AI risk ratings determine regulatory scrutiny, but rating customer-facing models too low leaves coverage errors undetected until claims arrive.

Six Things

Insurance Innovation: The View From Asia

By Paul Carroll

While the "not invented here" attitude is well-known, there is an "invented here" bias among us Americans when it comes to innovation. The view from Asia looks rather different.

AI's Conundrum for Underwriting

Underwriting AI systems are designed to assist rather than replace human judgment, but this efficiency trade-off may eliminate how juniors become experts.

When Insurance Data Can't Be Trusted

In the search for a single source of truth, insurers often force data into one clean gold layer - but make choices that are not always visible or acceptable to every consumer. 

The Answer to Too Much Technology Is More Technology

Claudeforce signals a shift from building tools for humans to use and toward creating infrastructure where machines increasingly do the work.

AI's Superpowers for Insurance Agents

AI can provide a huge boost to insurance agents on account planning, product and service knowledge, and sales skill.

Insurance Risks Losing Expertise to Retirements

As insurers automate entry-level roles to cut costs, they risk eliminating the farm system that produces tomorrow's underwriters and adjusters.

Insurers Struggle to Price AI Liability Coverage

AI liability insurance is emerging through scattered approaches, but the lack of independent model evaluation means underwriters are pricing uncertainty instead of risk.

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