Top 8 Insurance Industry Trends & Innovations in 2025
Here are 8 major trends & innovations shaping the insurance industry in 2025 — each with what’s driving it, how it’s playing out, and what to watch for. 1. AI / Machine Learning across the value chain 8 Why it matters: AI is becoming foundational (not just “nice to have”) in underwriting, claims, fraud‑detection and customer service. International Finance +3 kotokiven.com +3 blog.softtek.com +3 With larger data sets (telemetry, IoT, wearables), machine‑learning can assess risk more precisely and speed up decision‑making. blog.softtek.com +1 Chatbots and virtual agents are now 24/7 and taking on more complex tasks. StartUs Insights +1 What’s happening: Underwriting: AI models analysing driving behaviour, health data, etc., to set premiums dynamically. kotokiven.com +1 Claims: Bots and automation process first notices of loss (FNOL), flag fraud and even initiate payouts. kotokiven.com +1 Risk & pricing: Predictive analytics anticipate emerging risks (climate, c...