Standard Life launched AI Coach in August 2026, a digital tool that helps customers plan home ownership. It covers saving for a deposit, mortgage readiness and the long-term financial impact of buying a property, linking a customer's liquid assets with their property plans, for first-time buyers as well as homeowners who want to move or remortgage.
Generative AIConversational AIIndividual life insurance
Generate
On 20 July 2026 AXA announced a global, progressive rollout of Microsoft 365 Copilot to its employees, embedding generative-AI assistance in Teams, Outlook and Word. AXA presents it as the next step after Secure GPT, its in-house LLM service launched three years earlier, and pairs it with an AI upskilling programme and a reminder to keep human oversight of key decisions. No headcount, country list or productivity metrics have been published, and trade press notes that the number of users has not been independently confirmed. This is a licensed Microsoft productivity tool, distinct from the AXA-built Secure GPT platform.
Generative AIIndividual life insuranceSupplementary health insurance+3
Collaborate
Aviva uses generative AI to read medical reports and condense them into short summaries that highlight what underwriters need, roughly halving underwriters' review time per case. The tool launched for individual life insurance applications in November 2025 and was extended to individual critical illness cover in March 2026; income protection is the next focus.
Generative AINatural language processingIndividual life insurance
Understand
Zurich UK uses Quantexa's Decision Intelligence platform for real-time claims fraud detection. As claims are submitted online or by phone, it maps the people, addresses, businesses and solicitors linked to a claim, checks them against CUE, the Insurance Fraud Register and Companies House data, and gives handlers a risk rating and scenarios for deciding on referral to the fraud team. Announced in October 2025 as Quantexa's first UK insurer partnership, it went live that month across six lines including motor, property and casualty, with Guidewire, Microsoft and Databricks as further vendors. Celent reports GBP 4m of net-new fraud found in the first nine weeks and about twice the legacy system's fraud indemnity impact. Winner of the 2026 Celent Model Insurer Award for Data, Analytics and AI.
Machine learning and predictive analyticsAnomaly detectionProperty insuranceMotor vehicle insurance+1
DecideAI Development Index (ADI) 12/36
Zurich Malaysia launched Z Buddy in July 2025, an AI-powered virtual assistant for its insurance and takaful agents, accessed through WhatsApp. In its initial phase it answers agents' questions on travel and motor insurance/takaful, claims procedures and general product information, including coverage details, with real-time replies around the clock, so agents can respond to customers faster. Planned enhancements include generating motor quotations and guiding agents through tailored customer requests. Zurich Malaysia did not disclose the underlying AI technology or vendor, and no usage figures have been published. The assistant serves the distribution force only, not end customers.
Conversational AINatural language processingMotor vehicle insurance
Project Nemo is Allianz's first agentic-AI claims use case, launched by Allianz Australia in July 2025 and taken live in under 100 days. Seven task-specific agents (planner, cyber, coverage, weather, fraud, payout and audit) handle food-spoilage claims under home contents cover caused by power outages after severe weather, up to AUD 500. They check coverage, weather data and fraud risk and prepare a payout recommendation. The audit agent summarises the AI decisions and a human makes every payout decision. Allianz reports an 80% reduction in processing and settlement time, from several days to about one day or a few hours. Allianz is exploring extensions to travel delays, simple motor claims and property damage.
Generative AIMachine learning and predictive analyticsProperty insurance
Act