Insurance is uniquely exposed to ‘Agentic Commerce’ - AI agents buying and selling insurance on behalf of humans - due to five factors:

1. Standardized products, price-sensitive consumers: Insurance comparison is tedious—consumers want to delegate this.

2. Complex comparison processes: AI can do it better.

3. Renewal vulnerability: Consumer agents will conduct automated policy reviews.

4. Intermediary commoditization: AI makes aggregation instant.

5. Hidden information architecture: Carriers with agent-readable APIs will capture disproportionate share in early pilots.

100 trillion AI tokens processed last quarter prove the Infinite AI Workforce is already here. When Satya Nadella announced that Azure processed "over 100 trillion tokens [in Q3]" during Microsoft's recent earnings call

The Economist's lead story last week outlined the macro impact of AI: If Silicon Valley's AI predictions prove even partially correct, we're facing economic disruption comparable to the Industrial Revolution.